The link above is to a story from sfgate.com about foreclosures and the effect of meditation laws on them. The lead points out immediately what the subject is: Laws in California and other states requiring mortgage companies to talk to troubled homeowners before foreclosing on them. The who is the mortgage companies, and their interactions with homeowners. When is stated at the front of the lead: (09-23) 19:06 PDT. The where is California and other states, and the why is not explicitly given in the lead but it is clear it will be delivered in the story.
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