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Have you heard the news? The Great Recession is over! Yep, the media are simply awash in glad tidings, from the first quarter’s nationwide employment growth of 162,000, to the sudden burst in home sales in many metropolitan areas, to the Dow topping 11,000! Woo-hoo! Happy days are here again!

Well, except that unemployment is still hovering at 9.7 percent, the housing sales heat will likely cool off after the federal tax credit expires and layoffs in the financial services industry, including the insurance sector, are well above the norm.

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