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In this Thursday, Oct. 11, 2012, photo, Ford Smith works on a new home under construction in Chicago. U.S builders started construction last month on the most single-family homes and apartments since July 2008, more evidence that the housing recovery is gaining momentum. The Commerce Department says housing starts jumped 3.6 percent in October from September to a seasonally adjusted annual rate of 894,000. Single-family home construction dipped 0.2 percent after hitting the fastest rate in four years in the previous month. (AP Photo/Nam Y. Huh)