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It's not too late for young people to dial down their exposure to a level they can tolerate, make a change when things are down 10 percent instead of 40 percent. Things can get worse, and then you'll make really non-rational, emotional decisions.

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    Quiz

    Are you a quotes master?

    »
    Barbra Streisand's first line in her first movie was...?
    A "Hello gorgeous!"
    B "Hi, I am here!"
    C "Papa, can you hear me?"
    D "Hello, Dolly!"