Gen Z can’t afford the American Dream—so they’ve traded homeownership for paying off debt. ‘Their debt feels heavier because it hits earlier’

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Android users can customise their Calling Card to display a chosen photo, as well choose the font and colour of their name. Unlike iPhone's similar feature, Android's Calling Cards don't appear to let you directly choose a representative avatar or emoji rather than a photo. However, you can select images from your gallery, so you may be able to save a photo to your phone for use as a workaround. Just remember to be responsible with it.

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pubmed.ncbi.nlm.nih.gov