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One Size Does Not Fit All Choosing The Right Loan For You ... The year 2003 was a rollercoaster ride for the American stock market, but was consistently steady for the real estate market. Though the prices of homes continued to soar, it proved to be a happy trend as it proved that people still saw a home as a smart investment...

We are born into them, marry into them, even create them among the people we love. They come large and extended...or small and nuclear. But whatever their size or wherever they live, strong families give us the nurturance and strength we need in order to survive.
—Andrea Davis (20th century)

Adults have their defense against time; it is called “responsibility,” and once one assumes it he can transform his life into a set of routines which will account for all those hours when he is stale or tired. It is not size or age or childishness that separates children from adults. It is “responsibility.” Adults come in all sizes, ages, and differing varieties of childishness, but as long as they have “responsibility” we recognize, often by the light gone out of their eyes, that they are what we call grownup. When grownups cope with “responsibility” for enough number of years they are retired from it. They are given, in exchange, a “leisure problem.” They sit around with their “leisure problem” and try to figure out what to do with it. Sometimes they go crazy. Sometimes they get other jobs. Sometimes it gets too much for them and they die. They have been handed an undetermined future of nonresponsible time and they don’t know what to do about it. And that is precisely the way it is with children. Time is the everpresent factor in their lives. It passes slowly or fast, always against their best interests: good time is over in a minute; bad time takes forever. Short on “responsibility,” they are confronted with a “leisure problem.”
—Jules Feiffer (b. 1929)

According to the record of an old inhabitant of Tyngsborough, now dead, whose farm we were now gliding past, one of the greatest freshets on this river took place in October, 1785, and its height was marked by a nail driven into an apple tree behind his house....
The revolutions of nature tell as fine tales, and make as interesting revelations, on this river’s banks, as on the Euphrates or the Nile. This apple tree, which stands within a few rods of the river, is called “Elisha’s apple tree,” from a friendly Indian who was anciently in the service of Jonathan Tyng, and, with one other man, was killed here by his own race in one of the Indian wars,—the particulars of which affair were told us on the spot. He was buried close by, no one knew exactly where, but in the flood of 1785, so great a weight of water standing over the grave caused the earth to settle where it had once been disturbed, and when the flood went down, a sunken spot, exactly of the form and size of the grave, revealed its locality; but this was now lost again, and no future flood can detect it; yet, no doubt, nature will know how to point it out in due time, if it be necessary, by methods yet more searching and unexpected. Thus there is not only the crisis when the spirit ceases to inspire and expand the body, marked by a fresh mound in the churchyard, but there is also a crisis when the body ceases to take up room as such in nature, marked by a fainter depression in the earth.
—Henry David Thoreau (1817–1862)