FILE-In this July 11, 2012 file photo, workers frame a home in Gilbert, Ariz., 20 miles outside Phoenix. The combination of fewer foreclosures coming onto the Phoenix market and investor demand for bank-owned homes has created bidding wars, driving prices higher. Foreclosures have plummeted in the Phoenix area since the peak of the housing crisis. Lenders took back a record 5,100 homes in the metro area in March 2010, but only 697 homes were the subjects of foreclosures last month. (AP Photo/Matt York, File)
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