WASHINGTON — President George W. Bush announced steps at the national level last week to help keep homeowners in their homes.

"It's not the government's job to bail out speculators, or those who made the decision to buy a home they knew they could never afford. Yet there are many American homeowners who could get through this difficult time with a little flexibility from their lenders, or a little help from their government," he said.

"So I strongly urge lenders to work with homeowners to adjust their mortgages."

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