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Every night on the news, we hear about how the politicians in Washington can't agree on how to handle our country's debt ceiling. It is becoming a high-stakes game of chicken with taxpayers livelihoods and lifestyles on the line one more time. Have you thought about how all this might actually affect you? Beyond the plunging value of your investment portfolio, there may be government services that disappear overnight. Some of these services affect mortgages and lending.