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spec: They said that adjusting to a new life after his return was difficult and it took about five years for them to become a " relatively normal family . One concern was that brokerage firms had an incentive to " churn " accounts , i.e ., to encourage excessive trading to generate brokerage commissions . Calm extends into mid week no real come down if it is it is very very gentle - like salvia , I feel I have been taught something . Many returning students are surprised to find that adjusting to life " back home " is more difficult than the adjustment they made to life in a foreign country .