FILE - In this Tuesday, Dec. 6, 2011, file photo, an Occupy Wall Street activist places tape on a boarded up house during a tour of foreclosed homes in the East New York neighborhood of the Brooklyn borough of New York. Goldman Sachs and Morgan Stanley announced Jan. 16, 2013, they will pay a combined $557 million to settle federal complaints that they wrongfully foreclosed on homeowners who should have been allowed to stay in their homes. (AP Photo/Mary Altaffer, File)
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