People pass a Bank of America brach, in New York,  Monday, Jan. 7, 2013. Bank of America was by far the largest mortgage servicer in the  Home Affordable Modification Program. (AP Photo/Richard Drew)

Photo by Richard Drew

People pass a Bank of America brach, in New York, Monday, Jan. 7, 2013. Bank of America was by far the largest mortgage servicer in the Home Affordable Modification Program. (AP Photo/Richard Drew)

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