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Glub, glub.

One of every five US mortgage holders is "underwater" - owing more to the lender than the home is worth, a shocking new study found yesterday.

So far, New Yorkers have weathered the storm better than any other state. But this could change as fallout from the Wall Street meltdown spreads, research found.

Nationwide, some 8.31 million properties had "negative equity" at the end of 2008.
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