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"Cost of living makes all of the difference in the world"
No, it's the quality of life that makes all the difference in the world. A cheap cost of living generally equates with a low quality of life (note the "bingo crowds" as they invade the one-armed bandits in Las Vegas and the all-you-can-eat buffets). NYC has a high cost of living and, appropriately, a high quality of life.
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