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    This morning I was sitting on a park bench next to a homeless man. I started a conversation by asking him how he ended up this way.

    He said, "Up until last week, I still had it all. I had plenty to eat, my clothes were washed and pressed, I had a roof over my head, I had TV and Internet, and I went to the gym, the pool, and the library.
    "I was working on my MBA on-line. I had no bills and no debt. I even had full medical coverage."

    I felt sorry for him, so I asked, "What happened? Drugs? Alcohol? Divorce?"

    "Oh no, nothing like that," he said. "I was released from prison."
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