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WASHINGTON - A deepening housing slump probably will be a “significant drag” on economic growth into next year and it will take time for Wall Street to fully recover from a painful credit crisis, Federal Reserve Chairman Ben Bernanke warned Monday. Bernanke once again pledged to “act as needed” to help financial markets - which have suffered through several months of turbulence - function smoothly and to keep the economy and inflation on an even keel. More…