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Since his mother desired to identify him John and his father chosen to call him Ray when he was born, they compromised within the initials "J. R.
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So we really know what it's like, the fluctuations, but the new generation which can be around with home loans and putting together households and college service fees, I'm sure they're struggling, and it's not just a guess. I'm observing it each day. So it's pretty unhappy to check out our potential struggling a great deal."
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