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Commentary: The ultimate gift remains in our faith

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Examples of faith abound at this time of year. There is the faith children put in Santa Claus to bring them stuff that magically no one seems to have paid for. Call it a "bailout" for kids.

There is adult faith which believes that a Bernard Madoff can do what no one else can: guarantee a consistent rate of return on money invested with him while others who invest the legal and old-fashioned way experience the normal ebb and flow of the stock market.

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