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Meadandale, I can only assume that you are a member of Generation Greed (i.e. Baby Boomers).
How much was the average 4 year college when you were 18?
How much was the average starter home when you got out of college?
How many banks/credit institutions specifically marketed to you everyday while you were in High School and College?
How many Best Buys, Wal-Marts, Shopping Malls, etc. were located in your neighborhood growing up?
LOL.