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Don’t forget - you were also BORN into a once in a generation economic crisis: The savings and loan crisis of the 1980s and 1990s was the failure of approximately a third of the savings and loan associations in the United States between 1986 and 1995. These thrifts were banks that historically specialized in fixed-rate mortgage lending.
https://en.m.wikipedia.org/wiki/Savings_and_loan_crisis