I don’t ordinarily like to publish long letters, but this one is worth the space because it captures the mood of a sizable segment of the population:

"I’m upset by your recent article advising people having trouble with their mortgage on how to get it modified. In my view, they should be allowed to take their lumps.

My first home was a single-wide trailer that cost $18,000, which was all we could afford at the time. We have upgraded three times …

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