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They are also just responding to more business, particularly from first time home buyers who have been largely on the sidelines until now. And it works well, when it does work -- and when you have the original key. Banks still have time to meet their obligations under the settlement, which requires that 30 percent of total relief come in the form of first mortgage principal reduction.

Also, they told me if I mention Yelp the second time I go in for an oil change I'll get a tire rotation free.