jingle mail is the package containing the keys to your house that you send back to the bank when the interest rate on your adjustable-rate or io/neg-am mortgage resets, or the property tax bill gets reassessed at double what it was two years ago, or you find out that heating and ac and repairs cost a ton of freaking money, or you lose your job because of the recession that's coming with the housing crash, and you can't make the payments any more.

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