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FILE - In this May 16, 2012 file photo, construction workers wrap a home in protective sheeting as they frame a new home in Chester, Va. After a six-year slump that sent more than 4 million homes into foreclosure and shrank home prices about one-third nationwide, the U.S. housing market began to recover in 2012. Modest job gains and record-low mortgage rates fueled demand. (AP Photo/Steve Helbe, File)