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    American spending will slow because it is more expensive to borrow, and because consumers will see less of an increase in home equity to borrow against. Oil prices have dropped and may help offset some of the obstacles in the marketplace, suggesting t
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    e of the obstacles in the marketplace, suggesting that consumers may slow down, but prices are unlikely to go into reverse unless mortgage rates continue to be lowered.

    In the current economy, home equity loans are available as sub-prime loans in

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