Gwen is a real estate agent, and she knows that she will have some good years and some bad years. She figures that half the time she'll earn $$90,000$ per year, and half the time she'll earn $$20,000$ per year. These numbers are after taxes and after saving for retirement. These numbers are all she has to worry about. If we ignore interest costs just to keep things simple, how many dollars will she borrow during the bad years?

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