Government: No benefit hike for Social Security next year - Washington Post :: https://www.washingtonpost.com/politics/millions-of-social-security-recipients-to-learn-cola-fate/2015/10/15/6c2e8efe-730f-11e5-ba14-318f8e87a2fc_story.html
Dollar rises on inflation data; Wall St. gains - Reuters :: http://www.reuters.com/article/2015/10/15/us-global-markets-idUSKCN0S901220151015
Gasoline weighs on US consumer prices, but inflation set to rise - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Women get paid more than men at GoDaddy - CNNMoney :: http://money.cnn.com/2015/10/15/technology/godaddy-women-pay/
Twitter CEO Jack Dorsey's Jam-Packed Month Includes IPO for Square - ABC News :: http://abcnews.go.com/Technology/twitter-ceo-jack-dorseys-jam-packed-month-includes/story?id%3D34498792
Negative rates work their way on to radar for a few at the Fed - Reuters :: http://www.reuters.com/article/2015/10/15/usa-fed-policy-idUSL1N1281DA20151015
Philly Fed manufacturing index contracts for 2nd month in October - Nasdaq :: http://www.nasdaq.com/article/philly-fed-manufacturing-index-contracts-for-2nd-month-in-october-cm531006
First Data's new CFO talks IPO - Fortune :: http://fortune.com/2015/10/15/first-datas-new-cfo-talks-ipo/
U.S. Budget Gap Hits Eight-Year Low as Tax Receipts Reach Record - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/u-s-budget-gap-hits-eight-year-low-as-tax-receipts-reach-record
Opinion: 5 ways the AB InBev-SABMiller deal will ruin your beer - MarketWatch :: http://www.marketwatch.com/story/5-ways-the-a-b-inbev-sabmiller-deal-will-ruin-your-beer-2015-10-14
Thursday, October 15, 2015
15-Oct-2015 21:28
Jobless Claims in U.S. Fall to Match Lowest Level Since 1973 - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/jobless-claims-in-u-s-decrease-to-match-lowest-level-since-1973
Gasoline weighs on US consumer prices, but inflation set to rise - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Wall St. rises as financials recover after Citi results - Reuters :: http://www.reuters.com/article/2015/10/15/us-markets-stocks-idUSKCN0S919G20151015
Goldman CFO on Bond-Trading Turnaround: That May Take a While - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
Small Increase Expected in Health Insurance Enrollment - New York Times :: http://www.nytimes.com/2015/10/16/us/politics/health-insurance-enrollment-expected-to-see-small-increase.html
Albertsons Delayed IPO Marks Setback for Kroger Rival - Wall Street Journal :: http://www.wsj.com/articles/albertsons-delayed-ipo-marks-setback-for-kroger-rival-1444932483
Tips for Social Security recipients worried about no COLA for 2016 - USA TODAY :: http://www.usatoday.com/story/money/personalfinance/2015/10/15/tips-social-security-recipients-worried-no-cola-2016/73993428/
New York Fed's Dudley downplays Fed divisions, says policymakers on same page - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-fed-dudley-idUSKCN0S91WU20151015
FOREX-Dollar rises on inflation data, euro falls on Nowotny remarks - Reuters :: http://www.reuters.com/article/2015/10/15/global-forex-idUSL1N12F21I20151015
Opinion: 5 ways the AB InBev-SABMiller deal will ruin your beer - MarketWatch :: http://www.marketwatch.com/story/5-ways-the-a-b-inbev-sabmiller-deal-will-ruin-your-beer-2015-10-14
Gasoline weighs on US consumer prices, but inflation set to rise - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Wall St. rises as financials recover after Citi results - Reuters :: http://www.reuters.com/article/2015/10/15/us-markets-stocks-idUSKCN0S919G20151015
Goldman CFO on Bond-Trading Turnaround: That May Take a While - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
Small Increase Expected in Health Insurance Enrollment - New York Times :: http://www.nytimes.com/2015/10/16/us/politics/health-insurance-enrollment-expected-to-see-small-increase.html
Albertsons Delayed IPO Marks Setback for Kroger Rival - Wall Street Journal :: http://www.wsj.com/articles/albertsons-delayed-ipo-marks-setback-for-kroger-rival-1444932483
Tips for Social Security recipients worried about no COLA for 2016 - USA TODAY :: http://www.usatoday.com/story/money/personalfinance/2015/10/15/tips-social-security-recipients-worried-no-cola-2016/73993428/
New York Fed's Dudley downplays Fed divisions, says policymakers on same page - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-fed-dudley-idUSKCN0S91WU20151015
FOREX-Dollar rises on inflation data, euro falls on Nowotny remarks - Reuters :: http://www.reuters.com/article/2015/10/15/global-forex-idUSL1N12F21I20151015
Opinion: 5 ways the AB InBev-SABMiller deal will ruin your beer - MarketWatch :: http://www.marketwatch.com/story/5-ways-the-a-b-inbev-sabmiller-deal-will-ruin-your-beer-2015-10-14
15-Oct-2015 20:27
China slump hits rich countries - The Australian :: http://www.theaustralian.com.au/business/wall-street-journal/china-slump-hits-rich-countries/story-fnay3ubk-1227570591682
Jobless Claims in U.S. Fall to Match Lowest Level Since 1973 - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/jobless-claims-in-u-s-decrease-to-match-lowest-level-since-1973
Philly Fed, Empire State both show grim conditions in manufacturing - MarketWatch :: http://www.marketwatch.com/story/philly-fed-empire-state-both-show-grim-conditions-in-manufacturing-2015-10-15
Dudley downplays Fed divisions, says policymakers on same page - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-fed-dudley-idUSKCN0S91WU20151015
Wall St. rises as financials recover after Citi results - Reuters :: http://www.reuters.com/article/2015/10/15/us-markets-stocks-idUSKCN0S919G20151015
Tips for Social Security recipients worried about no COLA for 2016 - USA TODAY :: http://www.usatoday.com/story/money/personalfinance/2015/10/15/tips-social-security-recipients-worried-no-cola-2016/73993428/
Citi shines in gloomy bank earnings season - Financial Times :: http://www.ft.com/cms/s/0/11a21fee-7334-11e5-bdb1-e6e4767162cc.html
Small Increase Expected in Health Insurance Enrollment - New York Times :: http://www.nytimes.com/2015/10/16/us/politics/health-insurance-enrollment-expected-to-see-small-increase.html
Walmart's woes stem from need to invest - Financial Times :: http://www.ft.com/cms/s/0/bc405970-7343-11e5-bdb1-e6e4767162cc.html
How the Latest Inflation Data Plays Into the Fed's Thinking - Wall Street Journal :: http://www.wsj.com/articles/how-the-latest-inflation-data-plays-into-the-feds-thinking-1444931808
Jobless Claims in U.S. Fall to Match Lowest Level Since 1973 - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/jobless-claims-in-u-s-decrease-to-match-lowest-level-since-1973
Philly Fed, Empire State both show grim conditions in manufacturing - MarketWatch :: http://www.marketwatch.com/story/philly-fed-empire-state-both-show-grim-conditions-in-manufacturing-2015-10-15
Dudley downplays Fed divisions, says policymakers on same page - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-fed-dudley-idUSKCN0S91WU20151015
Wall St. rises as financials recover after Citi results - Reuters :: http://www.reuters.com/article/2015/10/15/us-markets-stocks-idUSKCN0S919G20151015
Tips for Social Security recipients worried about no COLA for 2016 - USA TODAY :: http://www.usatoday.com/story/money/personalfinance/2015/10/15/tips-social-security-recipients-worried-no-cola-2016/73993428/
Citi shines in gloomy bank earnings season - Financial Times :: http://www.ft.com/cms/s/0/11a21fee-7334-11e5-bdb1-e6e4767162cc.html
Small Increase Expected in Health Insurance Enrollment - New York Times :: http://www.nytimes.com/2015/10/16/us/politics/health-insurance-enrollment-expected-to-see-small-increase.html
Walmart's woes stem from need to invest - Financial Times :: http://www.ft.com/cms/s/0/bc405970-7343-11e5-bdb1-e6e4767162cc.html
How the Latest Inflation Data Plays Into the Fed's Thinking - Wall Street Journal :: http://www.wsj.com/articles/how-the-latest-inflation-data-plays-into-the-feds-thinking-1444931808
15-Oct-2015 19:26
China economic growth seen slowing despite policy easing - Reuters :: http://www.reuters.com/article/2015/10/15/us-economy-poll-china-idUSKCN0S90J220151015
AB InBev Plans $55 Billion Bond Sale to Fund SABMiller Deal - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/ab-inbev-said-to-plan-55-billion-bond-sale-for-sabmiller-deal
Goldman Misses Estimates on Bigger Trading Drop Than Rivals - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
VW Will Recall 8.5 Million Rigged Diesels After German Hard Line - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/vw-faces-mandatory-recall-in-germany-over-diesel-cheating
Jobless claims in U.S. fall to match lowest level since 1973 - Chicago Tribune :: http://www.chicagotribune.com/news/sns-wp-blm-jobs-756a9a18-734a-11e5-ba14-318f8e87a2fc-20151015-story.html
American manufacturing is in a recession - Business Insider :: http://www.businessinsider.com/us-manufacturing-is-in-recession-2015-10
Gasoline weighs on US consumer prices, but inflation set to rise - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Medicare Recipients Face Higher Drug-Plan Costs, Other Changes - Wall Street Journal :: http://www.wsj.com/articles/medicare-recipients-face-higher-drug-plan-costs-other-changes-1444927389
New Technology in Credit Cards Leads to Headaches for Some - New York Times :: http://www.nytimes.com/aponline/2015/10/15/business/ap-us-new-credit-cards-subscription-problems.html
Dudley downplays Fed divisions, says policymakers on same page - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-fed-dudley-idUSKCN0S91WU20151015
AB InBev Plans $55 Billion Bond Sale to Fund SABMiller Deal - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/ab-inbev-said-to-plan-55-billion-bond-sale-for-sabmiller-deal
Goldman Misses Estimates on Bigger Trading Drop Than Rivals - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
VW Will Recall 8.5 Million Rigged Diesels After German Hard Line - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/vw-faces-mandatory-recall-in-germany-over-diesel-cheating
Jobless claims in U.S. fall to match lowest level since 1973 - Chicago Tribune :: http://www.chicagotribune.com/news/sns-wp-blm-jobs-756a9a18-734a-11e5-ba14-318f8e87a2fc-20151015-story.html
American manufacturing is in a recession - Business Insider :: http://www.businessinsider.com/us-manufacturing-is-in-recession-2015-10
Gasoline weighs on US consumer prices, but inflation set to rise - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Medicare Recipients Face Higher Drug-Plan Costs, Other Changes - Wall Street Journal :: http://www.wsj.com/articles/medicare-recipients-face-higher-drug-plan-costs-other-changes-1444927389
New Technology in Credit Cards Leads to Headaches for Some - New York Times :: http://www.nytimes.com/aponline/2015/10/15/business/ap-us-new-credit-cards-subscription-problems.html
Dudley downplays Fed divisions, says policymakers on same page - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-fed-dudley-idUSKCN0S91WU20151015
15-Oct-2015 18:25
China economic growth seen slowing despite policy easing - Reuters :: http://www.reuters.com/article/2015/10/15/us-economy-poll-china-idUSKCN0S90J220151015
Brewers' big taste for mergers - Los Angeles Times :: http://www.latimes.com/business/la-fi-qa-beer-20151015-story.html
Goldman Misses Estimates on Bigger Trading Drop Than Rivals - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
Citigroup Beats Estimates as Cost Cuts Outpace Revenue Drop - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/citigroup-beats-estimates-as-cost-cuts-outpace-revenue-declines
Government: No benefit hike for Social Security next year - Washington Post :: https://www.washingtonpost.com/politics/millions-of-social-security-recipients-to-learn-cola-fate/2015/10/15/6c2e8efe-730f-11e5-ba14-318f8e87a2fc_story.html
Gasoline weighs on US consumer prices; jobless claims fall - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Treasury moves up debt limit deadline to Nov. 3 and warns of default risk - Los Angeles Times :: http://www.latimes.com/business/la-fi-debt-limit-treasury-20151015-story.html
Dollar rises on inflation data, euro slips on Nowotny remark - Reuters :: http://www.reuters.com/article/2015/10/15/us-global-forex-idUSKCN0S921T20151015
U.S. Sets 2016 Obamacare Goal at 10 Million Amid Cost Challenges - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/u-s-sets-2016-obamacare-goal-at-10-million-amid-cost-challenges
American manufacturing is in a recession - Business Insider :: http://www.businessinsider.com/us-manufacturing-is-in-recession-2015-10
Brewers' big taste for mergers - Los Angeles Times :: http://www.latimes.com/business/la-fi-qa-beer-20151015-story.html
Goldman Misses Estimates on Bigger Trading Drop Than Rivals - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
Citigroup Beats Estimates as Cost Cuts Outpace Revenue Drop - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/citigroup-beats-estimates-as-cost-cuts-outpace-revenue-declines
Government: No benefit hike for Social Security next year - Washington Post :: https://www.washingtonpost.com/politics/millions-of-social-security-recipients-to-learn-cola-fate/2015/10/15/6c2e8efe-730f-11e5-ba14-318f8e87a2fc_story.html
Gasoline weighs on US consumer prices; jobless claims fall - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Treasury moves up debt limit deadline to Nov. 3 and warns of default risk - Los Angeles Times :: http://www.latimes.com/business/la-fi-debt-limit-treasury-20151015-story.html
Dollar rises on inflation data, euro slips on Nowotny remark - Reuters :: http://www.reuters.com/article/2015/10/15/us-global-forex-idUSKCN0S921T20151015
U.S. Sets 2016 Obamacare Goal at 10 Million Amid Cost Challenges - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/u-s-sets-2016-obamacare-goal-at-10-million-amid-cost-challenges
American manufacturing is in a recession - Business Insider :: http://www.businessinsider.com/us-manufacturing-is-in-recession-2015-10
15-Oct-2015 17:24
China economic growth seen slowing despite policy easing - Reuters :: http://www.reuters.com/article/2015/10/15/us-economy-poll-china-idUSKCN0S90J220151015
AB InBev Plans $55 Billion Bond Sale to Fund SABMiller Deal - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/ab-inbev-said-to-plan-55-billion-bond-sale-for-sabmiller-deal
Goldman Misses Estimates on Bigger Trading Drop Than Rivals - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
Walmart's Disappointing Sales And Earnings Forecasts Spell Doom For The Industry - Forbes :: http://www.forbes.com/sites/walterloeb/2015/10/15/walmarts-disappointing-sales-and-earnings-spell-doom-for-the-industry/
Valeant subpoenaed by US prosecutors over drug pricing - Reuters :: http://www.reuters.com/article/2015/10/15/us-valeant-pharms-subpoena-idUSKCN0S90XO20151015
Government: No benefit hike for Social Security next year - Washington Post :: https://www.washingtonpost.com/politics/millions-of-social-security-recipients-to-learn-cola-fate/2015/10/15/6c2e8efe-730f-11e5-ba14-318f8e87a2fc_story.html
Gasoline weighs on US consumer prices; jobless claims fall - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Fitch Cuts Brazil Rating to Cusp of Junk With Negative Outlook - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/fitch-cuts-brazil-rating-to-cusp-of-junk-with-negative-outlook
Citigroup profit soars as lower costs trump revenue fall - Reuters :: http://www.reuters.com/article/2015/10/15/us-citigroup-results-idUSKCN0S91FE20151015
Tipping to Be Eliminated at NYC Restaurant - Fox 28 :: http://www.myfox28columbus.com/news/features/top-stories/stories/Tipping-to-Be-Eliminated-at-NYC-Restaurant-219346.shtml
AB InBev Plans $55 Billion Bond Sale to Fund SABMiller Deal - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/ab-inbev-said-to-plan-55-billion-bond-sale-for-sabmiller-deal
Goldman Misses Estimates on Bigger Trading Drop Than Rivals - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
Walmart's Disappointing Sales And Earnings Forecasts Spell Doom For The Industry - Forbes :: http://www.forbes.com/sites/walterloeb/2015/10/15/walmarts-disappointing-sales-and-earnings-spell-doom-for-the-industry/
Valeant subpoenaed by US prosecutors over drug pricing - Reuters :: http://www.reuters.com/article/2015/10/15/us-valeant-pharms-subpoena-idUSKCN0S90XO20151015
Government: No benefit hike for Social Security next year - Washington Post :: https://www.washingtonpost.com/politics/millions-of-social-security-recipients-to-learn-cola-fate/2015/10/15/6c2e8efe-730f-11e5-ba14-318f8e87a2fc_story.html
Gasoline weighs on US consumer prices; jobless claims fall - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Fitch Cuts Brazil Rating to Cusp of Junk With Negative Outlook - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/fitch-cuts-brazil-rating-to-cusp-of-junk-with-negative-outlook
Citigroup profit soars as lower costs trump revenue fall - Reuters :: http://www.reuters.com/article/2015/10/15/us-citigroup-results-idUSKCN0S91FE20151015
Tipping to Be Eliminated at NYC Restaurant - Fox 28 :: http://www.myfox28columbus.com/news/features/top-stories/stories/Tipping-to-Be-Eliminated-at-NYC-Restaurant-219346.shtml
15-Oct-2015 16:23
China economic growth seen slowing despite policy easing - Reuters :: http://www.reuters.com/article/2015/10/15/us-economy-poll-china-idUSKCN0S90J220151015
AB InBev Plans $55 Billion Bond Sale to Fund SABMiller Deal - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/ab-inbev-said-to-plan-55-billion-bond-sale-for-sabmiller-deal
Blackstone posts third-quarter loss as asset values drop - Reuters :: http://www.reuters.com/article/2015/10/15/us-blackstone-results-idUSKCN0S91B320151015
Goldman Misses Estimates on Bigger Trading Drop Than Rivals - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
Walmart's Disappointing Sales And Earnings Forecasts Spell Doom For The Industry - Forbes :: http://www.forbes.com/sites/walterloeb/2015/10/15/walmarts-disappointing-sales-and-earnings-spell-doom-for-the-industry/
Citigroup Beats Estimates as Cost Cuts Outpace Revenue Drop - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/citigroup-beats-estimates-as-cost-cuts-outpace-revenue-declines
Valeant subpoenaed by US prosecutors over drug pricing - Reuters :: http://www.reuters.com/article/2015/10/15/us-valeant-pharms-subpoena-idUSKCN0S90XO20151015
Gasoline weighs on US consumer prices; jobless claims fall - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Government: No benefit increase for Social Security next year - USA TODAY :: http://www.usatoday.com/story/money/personalfinance/2015/10/15/government-no-benefit-rise-social-security-next-year/73976990/
Lew Sets Earlier Deadline for Congress to Raise Debt Ceiling - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/lew-moves-up-u-s-debt-limit-deadline-by-two-days-to-nov-3
AB InBev Plans $55 Billion Bond Sale to Fund SABMiller Deal - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/ab-inbev-said-to-plan-55-billion-bond-sale-for-sabmiller-deal
Blackstone posts third-quarter loss as asset values drop - Reuters :: http://www.reuters.com/article/2015/10/15/us-blackstone-results-idUSKCN0S91B320151015
Goldman Misses Estimates on Bigger Trading Drop Than Rivals - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/goldman-misses-estimates-on-bigger-trading-drop-than-rivals
Walmart's Disappointing Sales And Earnings Forecasts Spell Doom For The Industry - Forbes :: http://www.forbes.com/sites/walterloeb/2015/10/15/walmarts-disappointing-sales-and-earnings-spell-doom-for-the-industry/
Citigroup Beats Estimates as Cost Cuts Outpace Revenue Drop - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/citigroup-beats-estimates-as-cost-cuts-outpace-revenue-declines
Valeant subpoenaed by US prosecutors over drug pricing - Reuters :: http://www.reuters.com/article/2015/10/15/us-valeant-pharms-subpoena-idUSKCN0S90XO20151015
Gasoline weighs on US consumer prices; jobless claims fall - Reuters :: http://www.reuters.com/article/2015/10/15/us-usa-economy-idUSKCN0S91IC20151015
Government: No benefit increase for Social Security next year - USA TODAY :: http://www.usatoday.com/story/money/personalfinance/2015/10/15/government-no-benefit-rise-social-security-next-year/73976990/
Lew Sets Earlier Deadline for Congress to Raise Debt Ceiling - Bloomberg :: http://www.bloomberg.com/news/articles/2015-10-15/lew-moves-up-u-s-debt-limit-deadline-by-two-days-to-nov-3
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