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New restrictions on what they can charge in fees on credit cards has most of the banks looking to increase revenue from whatever other sources they can. Good luck- hopefully you don't have too many more years to borrow for. You could end up owing more than I bought my condo for by the time you graduate.
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I add new pictures to my photo gallery pretty regularly. You can see them here if you are interested: http://www.pbase.com/jeffryz 
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