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A hypothetical duck-alignment.
Seriously... it's hypothetical, it's not about me... I promise!
Alan is a great agent, stellar, in fact... but two years ago, Mrs. Alan lost her job, due to health problems, she'd been in and out of her doctor's offices, and had a couple of surgeries.  The bills have piled up, and there are a lot of medical bills. 
Due to the loss of her job, they're been surviving on Alan's income alone for the last two years, due in large part, to Alan's juggling of lots of ducks.  Fortunately, Alan planned well, and did what any good real estate agent would do.  He set aside a full third of his income, year after year, and had plenty of money set aside for a down market.
Unfortunately, nobody expected this down market to last quite as long as it has, and for Mrs. Alan's medical problems to coincide perfectly with the down market.
To top things off, this is the year, that Mr. and Mrs. Alan's older daughter began college, and while it's not Harvard, it's also not cheap. And yet, due to Alan's smart planning, and lining ducks in a row, they've managed.
Mrs. Alan is on the mend, and almost ... more

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