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     <title>Reckless Spending, Not Illness or Job Loss, Causes Most Bankruptcy</title>
   	 <description>(PhysOrg.com) -- Simple overspending has driven most personal bankruptcies in recent years, a change from previous decades when illness and unemployment were major factors, concludes a new study from the University of California, Davis, Graduate School of Management.</description>
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	 <pubDate>Fri, 29 Aug 2008 14:03:58 EST</pubDate>
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