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When I go out to lunch there is a syndicated radio program that airs, with a host named Dave Ramsey, who coaches people who are heavily in debt. As someone who has never had any debt in my whole life, I admit I can't be moved to follow the advice given on this program, but I can smile at the down home good sense he recommends--things like saving the money first and then buying the car. (How did anyone ever think it was supposed to work the other way?) So this was created as fan fabric.