In this Aug, 2008 photo released by Charles Schwab Corp., Liz Ann Sonders, chief investment strategist for Charles Schwab Corp., is shown. The bursting of the housing market bubble

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In this Aug, 2008 photo released by Charles Schwab Corp., Liz Ann Sonders, chief investment strategist for Charles Schwab Corp., is shown. The bursting of the housing market bubble five years ago was the catalyst for the great recession. Sonders believes that in 2012 housing is recovering to such an extent that it will be one of the key drivers of the economy in 2013 and could add as much as 1 percentage point to growth. (AP Photo/Charles Schwab Corp.,Stuart Schwartz) less