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You can tack on a big question mark after you write the year 2012. Given the many and often-interrelated issues the industry—and on a macro-level, the country—faces, no one can say for sure where the year will end. The consensus seems to indicate progress over 2011 . . . if the jobs continue to mount, if the global debt crisis doesn't further complicate the stateside lending picture and DC politicos finally do something for the American people.

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