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UTILITIES

                                Services such as electricity, gas, water, and waste disposal are
                            known as utilities in the United States. Most utilities are provided
                            by private corporations, but they are closely regulated by state and
                            local government authorities in order to protect the public. They
                            set service and safety standards, as well as establishing rates and
                            charges for each utility.
                                Some companies provide more than one service, so they may
                            send a combined bill for electricity and gas, for example. Utilities
                            must be in the name of the person who lives in a house or apart-
                            ment,  and  a  returnable  deposit  of  $50  to  $300  may  be  required
                            before a service is provided. There may also be a connection fee.
                            Water rates may be charged separately, or they may be included in
                            local property taxes.


                                               HOUSING OPTIONS

                                Of course, not all Americans live in a detached single-family
                            house. In large cities, for example, many people live in apartments.
                            These  are  usually  found  in  apartment  buildings,  with  a  few
                            apartments  on  each  floor  of  a  relatively  tall  building,  although
                            large older houses are also divided into apartments.
                                In  smaller  cities,  where  there  is  more  space  for  building
                            horizontally,  apartment  complexes  are  a  common  sight-large
                            developments  of  two-  and  three-story  buildings  containing  a
                            variety at different-sized apartments. They have facilities such as
                            laundry  rooms,  swimming  pools,  and  gyms  for  the  use  of  the
                            residents.  A  management  company  usually  owns  and  runs  these
                            complexes.
                                A  quirk  of  American buildings  is  that  there is hardly  ever  a
                            thirteenth  floor  in  them  because  it  is  considered  bad  luck.  The
                            numbering of the floors skips from the twelfth to the fourteenth.
                                Most people who live in apartments rent them, but there are a
                            few options for people who want to own their apartments. The first
                            and  probably  most  common  is  the  condominium  or  condo.  The
                            apartment  is  owned  by  the  person  who  lives  in  it  who  pays  a
                            maintenance fee for the upkeep of the building and for the use of
                            any facilities in the building. Another option the co-op, in which
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