<?xml version='1.0' encoding='utf-8'?>
<alto xmlns="http://www.loc.gov/standards/alto/ns-v3#" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/standards/alto/ns-v3# http://www.loc.gov/standards/alto/v3/alto-3-1.xsd"><Description><MeasurementUnit>pixel</MeasurementUnit><sourceImageInformation><fileIdentifier>840464</fileIdentifier></sourceImageInformation></Description><Layout><Page WIDTH="1653" PHYSICAL_IMG_NR="1" ID="p840440" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840440" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840440" HEIGHT="2338"><TextLine HPOS="950" VPOS="50" ID="tl1-0" WIDTH="506" HEIGHT="29"><String HEIGHT="29" CONTENT="INTERNATIONAL" WIDTH="239" HPOS="950" VPOS="50" ID="st1-0"/><SP/><String HEIGHT="29" CONTENT="POLICY" WIDTH="106" HPOS="1198" VPOS="50" ID="st1-1"/><SP/><String HEIGHT="29" CONTENT="ANALYSIS" WIDTH="143" HPOS="1313" VPOS="50" ID="st1-2"/></TextLine><TextLine HPOS="799" VPOS="563" ID="tl1-1" WIDTH="657" HEIGHT="68"><String HEIGHT="68" CONTENT="Tipping" WIDTH="252" HPOS="799" VPOS="563" ID="st1-3"/><SP/><String HEIGHT="68" CONTENT="the" WIDTH="111" HPOS="1070" VPOS="563" ID="st1-4"/><SP/><String HEIGHT="68" CONTENT="Balance" WIDTH="255" HPOS="1201" VPOS="563" ID="st1-5"/></TextLine><TextLine HPOS="694" VPOS="651" ID="tl1-2" WIDTH="762" HEIGHT="47"><String HEIGHT="47" CONTENT="Collective" WIDTH="198" HPOS="694" VPOS="651" ID="st1-6"/><SP/><String HEIGHT="47" CONTENT="Action" WIDTH="136" HPOS="905" VPOS="651" ID="st1-7"/><SP/><String HEIGHT="47" CONTENT="by" WIDTH="49" HPOS="1054" VPOS="651" ID="st1-8"/><SP/><String HEIGHT="47" CONTENT="Finance" WIDTH="154" HPOS="1117" VPOS="651" ID="st1-9"/><SP/><String HEIGHT="47" CONTENT="Workers" WIDTH="171" HPOS="1285" VPOS="651" ID="st1-10"/></TextLine><TextLine HPOS="758" VPOS="712" ID="tl1-3" WIDTH="698" HEIGHT="47"><String HEIGHT="47" CONTENT="Creates" WIDTH="154" HPOS="758" VPOS="712" ID="st1-11"/><String HEIGHT="47" CONTENT="»" WIDTH="22" HPOS="925" VPOS="712" ID="st1-12"/><String HEIGHT="47" CONTENT="Regulation" WIDTH="224" HPOS="947" VPOS="712" ID="st1-13"/><SP/><String HEIGHT="47" CONTENT="From" WIDTH="105" HPOS="1185" VPOS="712" ID="st1-14"/><SP/><String HEIGHT="47" CONTENT="Below" WIDTH="127" HPOS="1303" VPOS="712" ID="st1-15"/><String HEIGHT="47" CONTENT="«" WIDTH="26" HPOS="1430" VPOS="712" ID="st1-16"/></TextLine><TextLine HPOS="973" VPOS="989" ID="tl1-4" WIDTH="483" HEIGHT="29"><String HEIGHT="29" CONTENT="STEPHEN" WIDTH="131" HPOS="973" VPOS="989" ID="st1-17"/><SP/><String HEIGHT="29" CONTENT="LERNER" WIDTH="102" HPOS="1112" VPOS="989" ID="st1-18"/><String HEIGHT="29" CONTENT="," WIDTH="18" HPOS="1214" VPOS="989" ID="st1-19"/><SP/><String HEIGHT="29" CONTENT="RITA" WIDTH="66" HPOS="1241" VPOS="989" ID="st1-20"/><SP/><String HEIGHT="29" CONTENT="BERLOFA" WIDTH="123" HPOS="1315" VPOS="989" ID="st1-21"/><String HEIGHT="29" CONTENT="," WIDTH="18" HPOS="1438" VPOS="989" ID="st1-22"/></TextLine><TextLine HPOS="846" VPOS="1025" ID="tl1-5" WIDTH="610" HEIGHT="29"><String HEIGHT="29" CONTENT="MOLLY" WIDTH="101" HPOS="846" VPOS="1025" ID="st1-23"/><SP/><String HEIGHT="29" CONTENT="MCGRATH" WIDTH="139" HPOS="956" VPOS="1025" ID="st1-24"/><String HEIGHT="29" CONTENT="," WIDTH="20" HPOS="1095" VPOS="1025" ID="st1-25"/><SP/><String HEIGHT="29" CONTENT="AND" WIDTH="67" HPOS="1124" VPOS="1025" ID="st1-26"/><SP/><String HEIGHT="29" CONTENT="COREY" WIDTH="100" HPOS="1200" VPOS="1025" ID="st1-27"/><SP/><String HEIGHT="29" CONTENT="KLEMMER" WIDTH="148" HPOS="1308" VPOS="1025" ID="st1-28"/></TextLine><TextLine HPOS="1242" VPOS="1062" ID="tl1-6" WIDTH="214" HEIGHT="28"><String HEIGHT="28" CONTENT="September" WIDTH="141" HPOS="1242" VPOS="1062" ID="st1-29"/><SP/><String HEIGHT="28" CONTENT="2018" WIDTH="65" HPOS="1391" VPOS="1062" ID="st1-30"/></TextLine><TextLine HPOS="433" VPOS="1170" ID="tl1-7" WIDTH="20" HEIGHT="27"><String HEIGHT="27" CONTENT="" WIDTH="20" HPOS="433" VPOS="1170" ID="st1-31"/></TextLine><TextLine HPOS="453" VPOS="1172" ID="tl1-8" WIDTH="1003" HEIGHT="26"><String HEIGHT="26" CONTENT="" WIDTH="8" HPOS="453" VPOS="1172" ID="st1-32"/><SP/><String HEIGHT="26" CONTENT="Ten" WIDTH="40" HPOS="472" VPOS="1172" ID="st1-33"/><SP/><String HEIGHT="26" CONTENT="years" WIDTH="60" HPOS="519" VPOS="1172" ID="st1-34"/><SP/><String HEIGHT="26" CONTENT="after" WIDTH="56" HPOS="586" VPOS="1172" ID="st1-35"/><SP/><String HEIGHT="26" CONTENT="the" WIDTH="38" HPOS="649" VPOS="1172" ID="st1-36"/><SP/><String HEIGHT="26" CONTENT="last" WIDTH="41" HPOS="694" VPOS="1172" ID="st1-37"/><SP/><String HEIGHT="26" CONTENT="big" WIDTH="37" HPOS="742" VPOS="1172" ID="st1-38"/><SP/><String HEIGHT="26" CONTENT="financial" WIDTH="98" HPOS="786" VPOS="1172" ID="st1-39"/><SP/><String HEIGHT="26" CONTENT="crisis" WIDTH="54" HPOS="891" VPOS="1172" ID="st1-40"/><String HEIGHT="26" CONTENT="," WIDTH="10" HPOS="945" VPOS="1172" ID="st1-41"/><SP/><String HEIGHT="26" CONTENT="major" WIDTH="68" HPOS="962" VPOS="1172" ID="st1-42"/><SP/><String HEIGHT="26" CONTENT="players" WIDTH="81" HPOS="1037" VPOS="1172" ID="st1-43"/><SP/><String HEIGHT="26" CONTENT="in" WIDTH="22" HPOS="1125" VPOS="1172" ID="st1-44"/><SP/><String HEIGHT="26" CONTENT="the" WIDTH="39" HPOS="1154" VPOS="1172" ID="st1-45"/><SP/><String HEIGHT="26" CONTENT="global" WIDTH="72" HPOS="1200" VPOS="1172" ID="st1-46"/><SP/><String HEIGHT="26" CONTENT="financial" WIDTH="99" HPOS="1279" VPOS="1172" ID="st1-47"/><SP/><String HEIGHT="26" CONTENT="sector" WIDTH="71" HPOS="1385" VPOS="1172" ID="st1-48"/></TextLine><TextLine HPOS="472" VPOS="1208" ID="tl1-9" WIDTH="984" HEIGHT="26"><String HEIGHT="26" CONTENT="continue" WIDTH="103" HPOS="472" VPOS="1208" ID="st1-49"/><SP/><String HEIGHT="26" CONTENT="to" WIDTH="25" HPOS="582" VPOS="1208" ID="st1-50"/><SP/><String HEIGHT="26" CONTENT="dominate" WIDTH="112" HPOS="614" VPOS="1208" ID="st1-51"/><SP/><String HEIGHT="26" CONTENT="markets" WIDTH="89" HPOS="733" VPOS="1208" ID="st1-52"/><String HEIGHT="26" CONTENT="," WIDTH="13" HPOS="822" VPOS="1208" ID="st1-53"/><SP/><String HEIGHT="26" CONTENT="neutralize" WIDTH="115" HPOS="842" VPOS="1208" ID="st1-54"/><SP/><String HEIGHT="26" CONTENT="regulation" WIDTH="120" HPOS="964" VPOS="1208" ID="st1-55"/><SP/><String HEIGHT="26" CONTENT="and" WIDTH="44" HPOS="1091" VPOS="1208" ID="st1-56"/><SP/><String HEIGHT="26" CONTENT="jeopardize" WIDTH="122" HPOS="1142" VPOS="1208" ID="st1-57"/><SP/><String HEIGHT="26" CONTENT="economies" WIDTH="127" HPOS="1270" VPOS="1208" ID="st1-58"/><SP/><String HEIGHT="26" CONTENT="with" WIDTH="52" HPOS="1404" VPOS="1208" ID="st1-59"/></TextLine><TextLine HPOS="472" VPOS="1244" ID="tl1-10" WIDTH="646" HEIGHT="26"><String HEIGHT="26" CONTENT="illicit" WIDTH="52" HPOS="472" VPOS="1244" ID="st1-60"/><String HEIGHT="26" CONTENT="," WIDTH="8" HPOS="524" VPOS="1244" ID="st1-61"/><SP/><String HEIGHT="26" CONTENT="reckless" WIDTH="90" HPOS="540" VPOS="1244" ID="st1-62"/><SP/><String HEIGHT="26" CONTENT="and" WIDTH="45" HPOS="638" VPOS="1244" ID="st1-63"/><SP/><String HEIGHT="26" CONTENT="sometimes" WIDTH="126" HPOS="691" VPOS="1244" ID="st1-64"/><SP/><String HEIGHT="26" CONTENT="illegal" WIDTH="68" HPOS="825" VPOS="1244" ID="st1-65"/><SP/><String HEIGHT="26" CONTENT="financial" WIDTH="99" HPOS="900" VPOS="1244" ID="st1-66"/><SP/><String HEIGHT="26" CONTENT="practices" WIDTH="99" HPOS="1007" VPOS="1244" ID="st1-67"/><String HEIGHT="26" CONTENT="." WIDTH="12" HPOS="1106" VPOS="1244" ID="st1-68"/></TextLine><TextLine HPOS="433" VPOS="1315" ID="tl1-11" WIDTH="20" HEIGHT="26"><String HEIGHT="26" CONTENT="" WIDTH="20" HPOS="433" VPOS="1315" ID="st1-69"/></TextLine><TextLine HPOS="453" VPOS="1316" ID="tl1-12" WIDTH="1003" HEIGHT="27"><String HEIGHT="27" CONTENT="" WIDTH="8" HPOS="453" VPOS="1316" ID="st1-70"/><SP/><String HEIGHT="27" CONTENT="Debates" WIDTH="96" HPOS="472" VPOS="1316" ID="st1-71"/><SP/><String HEIGHT="27" CONTENT="abound" WIDTH="91" HPOS="576" VPOS="1316" ID="st1-72"/><SP/><String HEIGHT="27" CONTENT="over" WIDTH="51" HPOS="676" VPOS="1316" ID="st1-73"/><SP/><String HEIGHT="27" CONTENT="regulatory" WIDTH="120" HPOS="736" VPOS="1316" ID="st1-74"/><SP/><String HEIGHT="27" CONTENT="oversight" WIDTH="108" HPOS="865" VPOS="1316" ID="st1-75"/><SP/><String HEIGHT="27" CONTENT="of" WIDTH="25" HPOS="981" VPOS="1316" ID="st1-76"/><SP/><String HEIGHT="27" CONTENT="large" WIDTH="58" HPOS="1015" VPOS="1316" ID="st1-77"/><SP/><String HEIGHT="27" CONTENT="banks" WIDTH="70" HPOS="1082" VPOS="1316" ID="st1-78"/><SP/><String HEIGHT="27" CONTENT="and" WIDTH="45" HPOS="1160" VPOS="1316" ID="st1-79"/><SP/><String HEIGHT="27" CONTENT="the" WIDTH="38" HPOS="1214" VPOS="1316" ID="st1-80"/><SP/><String HEIGHT="27" CONTENT="best" WIDTH="50" HPOS="1261" VPOS="1316" ID="st1-81"/><SP/><String HEIGHT="27" CONTENT="methods" WIDTH="104" HPOS="1319" VPOS="1316" ID="st1-82"/><SP/><String HEIGHT="27" CONTENT="of" WIDTH="24" HPOS="1432" VPOS="1316" ID="st1-83"/></TextLine><TextLine HPOS="472" VPOS="1352" ID="tl1-13" WIDTH="984" HEIGHT="27"><String HEIGHT="27" CONTENT="safeguarding" WIDTH="154" HPOS="472" VPOS="1352" ID="st1-84"/><SP/><String HEIGHT="27" CONTENT="consumers" WIDTH="126" HPOS="632" VPOS="1352" ID="st1-85"/><SP/><String HEIGHT="27" CONTENT="and" WIDTH="44" HPOS="765" VPOS="1352" ID="st1-86"/><SP/><String HEIGHT="27" CONTENT="economies" WIDTH="121" HPOS="815" VPOS="1352" ID="st1-87"/><String HEIGHT="27" CONTENT="," WIDTH="14" HPOS="936" VPOS="1352" ID="st1-88"/><SP/><String HEIGHT="27" CONTENT="yet" WIDTH="35" HPOS="956" VPOS="1352" ID="st1-89"/><SP/><String HEIGHT="27" CONTENT="little" WIDTH="51" HPOS="997" VPOS="1352" ID="st1-90"/><SP/><String HEIGHT="27" CONTENT="attention" WIDTH="108" HPOS="1054" VPOS="1352" ID="st1-91"/><SP/><String HEIGHT="27" CONTENT="has" WIDTH="41" HPOS="1168" VPOS="1352" ID="st1-92"/><SP/><String HEIGHT="27" CONTENT="been" WIDTH="58" HPOS="1215" VPOS="1352" ID="st1-93"/><SP/><String HEIGHT="27" CONTENT="paid" WIDTH="51" HPOS="1279" VPOS="1352" ID="st1-94"/><SP/><String HEIGHT="27" CONTENT="to" WIDTH="25" HPOS="1336" VPOS="1352" ID="st1-95"/><SP/><String HEIGHT="27" CONTENT="the" WIDTH="39" HPOS="1367" VPOS="1352" ID="st1-96"/><SP/><String HEIGHT="27" CONTENT="role" WIDTH="44" HPOS="1412" VPOS="1352" ID="st1-97"/></TextLine><TextLine HPOS="472" VPOS="1388" ID="tl1-14" WIDTH="985" HEIGHT="27"><String HEIGHT="27" CONTENT="that" WIDTH="48" HPOS="472" VPOS="1388" ID="st1-98"/><SP/><String HEIGHT="27" CONTENT="the" WIDTH="38" HPOS="526" VPOS="1388" ID="st1-99"/><SP/><String HEIGHT="27" CONTENT="nearly" WIDTH="71" HPOS="570" VPOS="1388" ID="st1-100"/><SP/><String HEIGHT="27" CONTENT="eight" WIDTH="60" HPOS="647" VPOS="1388" ID="st1-101"/><SP/><String HEIGHT="27" CONTENT="million" WIDTH="79" HPOS="713" VPOS="1388" ID="st1-102"/><SP/><String HEIGHT="27" CONTENT="commercial" WIDTH="135" HPOS="798" VPOS="1388" ID="st1-103"/><SP/><String HEIGHT="27" CONTENT="bank" WIDTH="59" HPOS="938" VPOS="1388" ID="st1-104"/><SP/><String HEIGHT="27" CONTENT="employees" WIDTH="125" HPOS="1003" VPOS="1388" ID="st1-105"/><SP/><String HEIGHT="27" CONTENT="in" WIDTH="21" HPOS="1134" VPOS="1388" ID="st1-106"/><SP/><String HEIGHT="27" CONTENT="the" WIDTH="39" HPOS="1161" VPOS="1388" ID="st1-107"/><SP/><String HEIGHT="27" CONTENT="global" WIDTH="72" HPOS="1206" VPOS="1388" ID="st1-108"/><SP/><String HEIGHT="27" CONTENT="banking" WIDTH="96" HPOS="1284" VPOS="1388" ID="st1-109"/><SP/><String HEIGHT="27" CONTENT="sector" WIDTH="71" HPOS="1386" VPOS="1388" ID="st1-110"/></TextLine><TextLine HPOS="472" VPOS="1425" ID="tl1-15" WIDTH="534" HEIGHT="26"><String HEIGHT="26" CONTENT="might" WIDTH="69" HPOS="472" VPOS="1425" ID="st1-111"/><SP/><String HEIGHT="26" CONTENT="play" WIDTH="48" HPOS="549" VPOS="1425" ID="st1-112"/><SP/><String HEIGHT="26" CONTENT="to" WIDTH="24" HPOS="605" VPOS="1425" ID="st1-113"/><SP/><String HEIGHT="26" CONTENT="foster" WIDTH="68" HPOS="637" VPOS="1425" ID="st1-114"/><SP/><String HEIGHT="26" CONTENT="better" WIDTH="71" HPOS="713" VPOS="1425" ID="st1-115"/><SP/><String HEIGHT="26" CONTENT="banking" WIDTH="96" HPOS="791" VPOS="1425" ID="st1-116"/><SP/><String HEIGHT="26" CONTENT="practices" WIDTH="99" HPOS="895" VPOS="1425" ID="st1-117"/><String HEIGHT="26" CONTENT="." WIDTH="12" HPOS="994" VPOS="1425" ID="st1-118"/></TextLine><TextLine HPOS="433" VPOS="1495" ID="tl1-16" WIDTH="20" HEIGHT="27"><String HEIGHT="27" CONTENT="" WIDTH="20" HPOS="433" VPOS="1495" ID="st1-119"/></TextLine><TextLine HPOS="453" VPOS="1497" ID="tl1-17" WIDTH="1003" HEIGHT="26"><String HEIGHT="26" CONTENT="" WIDTH="8" HPOS="453" VPOS="1497" ID="st1-120"/><SP/><String HEIGHT="26" CONTENT="Instead" WIDTH="85" HPOS="472" VPOS="1497" ID="st1-121"/><SP/><String HEIGHT="26" CONTENT="of" WIDTH="25" HPOS="568" VPOS="1497" ID="st1-122"/><SP/><String HEIGHT="26" CONTENT="relying" WIDTH="78" HPOS="604" VPOS="1497" ID="st1-123"/><SP/><String HEIGHT="26" CONTENT="on" WIDTH="30" HPOS="694" VPOS="1497" ID="st1-124"/><SP/><String HEIGHT="26" CONTENT="legal" WIDTH="55" HPOS="736" VPOS="1497" ID="st1-125"/><SP/><String HEIGHT="26" CONTENT="and" WIDTH="44" HPOS="803" VPOS="1497" ID="st1-126"/><SP/><String HEIGHT="26" CONTENT="supervisory" WIDTH="131" HPOS="859" VPOS="1497" ID="st1-127"/><SP/><String HEIGHT="26" CONTENT="systems" WIDTH="91" HPOS="1001" VPOS="1497" ID="st1-128"/><SP/><String HEIGHT="26" CONTENT="to" WIDTH="25" HPOS="1103" VPOS="1497" ID="st1-129"/><SP/><String HEIGHT="26" CONTENT="take" WIDTH="51" HPOS="1139" VPOS="1497" ID="st1-130"/><SP/><String HEIGHT="26" CONTENT="on" WIDTH="31" HPOS="1202" VPOS="1497" ID="st1-131"/><SP/><String HEIGHT="26" CONTENT="the" WIDTH="38" HPOS="1244" VPOS="1497" ID="st1-132"/><SP/><String HEIGHT="26" CONTENT="entire" WIDTH="67" HPOS="1294" VPOS="1497" ID="st1-133"/><SP/><String HEIGHT="26" CONTENT="task" WIDTH="48" HPOS="1372" VPOS="1497" ID="st1-134"/><SP/><String HEIGHT="26" CONTENT="of" WIDTH="25" HPOS="1431" VPOS="1497" ID="st1-135"/></TextLine><TextLine HPOS="472" VPOS="1533" ID="tl1-18" WIDTH="984" HEIGHT="26"><String HEIGHT="26" CONTENT="financial" WIDTH="99" HPOS="472" VPOS="1533" ID="st1-136"/><SP/><String HEIGHT="26" CONTENT="regulation" WIDTH="120" HPOS="579" VPOS="1533" ID="st1-137"/><String HEIGHT="26" CONTENT="»" WIDTH="14" HPOS="707" VPOS="1533" ID="st1-138"/><String HEIGHT="26" CONTENT="from" WIDTH="58" HPOS="721" VPOS="1533" ID="st1-139"/><SP/><String HEIGHT="26" CONTENT="above" WIDTH="67" HPOS="788" VPOS="1533" ID="st1-140"/><String HEIGHT="26" CONTENT="«" WIDTH="13" HPOS="855" VPOS="1533" ID="st1-141"/><String HEIGHT="26" CONTENT="," WIDTH="14" HPOS="868" VPOS="1533" ID="st1-142"/><SP/><String HEIGHT="26" CONTENT="the" WIDTH="39" HPOS="890" VPOS="1533" ID="st1-143"/><SP/><String HEIGHT="26" CONTENT="authors" WIDTH="90" HPOS="937" VPOS="1533" ID="st1-144"/><SP/><String HEIGHT="26" CONTENT="argue" WIDTH="68" HPOS="1035" VPOS="1533" ID="st1-145"/><SP/><String HEIGHT="26" CONTENT="that" WIDTH="48" HPOS="1111" VPOS="1533" ID="st1-146"/><SP/><String HEIGHT="26" CONTENT="employees" WIDTH="125" HPOS="1167" VPOS="1533" ID="st1-147"/><SP/><String HEIGHT="26" CONTENT="of" WIDTH="24" HPOS="1301" VPOS="1533" ID="st1-148"/><SP/><String HEIGHT="26" CONTENT="banks" WIDTH="69" HPOS="1334" VPOS="1533" ID="st1-149"/><SP/><String HEIGHT="26" CONTENT="and" WIDTH="45" HPOS="1411" VPOS="1533" ID="st1-150"/></TextLine><TextLine HPOS="472" VPOS="1569" ID="tl1-19" WIDTH="984" HEIGHT="26"><String HEIGHT="26" CONTENT="financial" WIDTH="99" HPOS="472" VPOS="1569" ID="st1-151"/><SP/><String HEIGHT="26" CONTENT="institutions" WIDTH="130" HPOS="580" VPOS="1569" ID="st1-152"/><SP/><String HEIGHT="26" CONTENT="can" WIDTH="42" HPOS="719" VPOS="1569" ID="st1-153"/><SP/><String HEIGHT="26" CONTENT="collectively" WIDTH="126" HPOS="771" VPOS="1569" ID="st1-154"/><SP/><String HEIGHT="26" CONTENT="assist" WIDTH="61" HPOS="907" VPOS="1569" ID="st1-155"/><SP/><String HEIGHT="26" CONTENT="regulatory" WIDTH="120" HPOS="978" VPOS="1569" ID="st1-156"/><SP/><String HEIGHT="26" CONTENT="efforts" WIDTH="77" HPOS="1107" VPOS="1569" ID="st1-157"/><String HEIGHT="26" CONTENT="»" WIDTH="14" HPOS="1193" VPOS="1569" ID="st1-158"/><String HEIGHT="26" CONTENT="from" WIDTH="58" HPOS="1207" VPOS="1569" ID="st1-159"/><SP/><String HEIGHT="26" CONTENT="below" WIDTH="73" HPOS="1275" VPOS="1569" ID="st1-160"/><String HEIGHT="26" CONTENT="«" WIDTH="15" HPOS="1348" VPOS="1569" ID="st1-161"/><SP/><String HEIGHT="26" CONTENT="and" WIDTH="39" HPOS="1372" VPOS="1569" ID="st1-162"/><String HEIGHT="26" CONTENT="," WIDTH="14" HPOS="1411" VPOS="1569" ID="st1-163"/><SP/><String HEIGHT="26" CONTENT="in" WIDTH="22" HPOS="1434" VPOS="1569" ID="st1-164"/></TextLine><TextLine HPOS="472" VPOS="1605" ID="tl1-20" WIDTH="984" HEIGHT="26"><String HEIGHT="26" CONTENT="doing" WIDTH="68" HPOS="472" VPOS="1605" ID="st1-165"/><SP/><String HEIGHT="26" CONTENT="so" WIDTH="22" HPOS="547" VPOS="1605" ID="st1-166"/><String HEIGHT="26" CONTENT="," WIDTH="12" HPOS="569" VPOS="1605" ID="st1-167"/><SP/><String HEIGHT="26" CONTENT="build" WIDTH="58" HPOS="588" VPOS="1605" ID="st1-168"/><SP/><String HEIGHT="26" CONTENT="safeguards" WIDTH="128" HPOS="653" VPOS="1605" ID="st1-169"/><SP/><String HEIGHT="26" CONTENT="for" WIDTH="34" HPOS="788" VPOS="1605" ID="st1-170"/><SP/><String HEIGHT="26" CONTENT="their" WIDTH="54" HPOS="829" VPOS="1605" ID="st1-171"/><SP/><String HEIGHT="26" CONTENT="own" WIDTH="52" HPOS="890" VPOS="1605" ID="st1-172"/><SP/><String HEIGHT="26" CONTENT="jobs" WIDTH="48" HPOS="949" VPOS="1605" ID="st1-173"/><SP/><String HEIGHT="26" CONTENT="against" WIDTH="85" HPOS="1004" VPOS="1605" ID="st1-174"/><SP/><String HEIGHT="26" CONTENT="the" WIDTH="38" HPOS="1096" VPOS="1605" ID="st1-175"/><SP/><String HEIGHT="26" CONTENT="incentivization" WIDTH="170" HPOS="1141" VPOS="1605" ID="st1-176"/><SP/><String HEIGHT="26" CONTENT="of" WIDTH="25" HPOS="1318" VPOS="1605" ID="st1-177"/><SP/><String HEIGHT="26" CONTENT="excessive" WIDTH="106" HPOS="1350" VPOS="1605" ID="st1-178"/></TextLine><TextLine HPOS="472" VPOS="1641" ID="tl1-21" WIDTH="984" HEIGHT="27"><String HEIGHT="27" CONTENT="or" WIDTH="25" HPOS="472" VPOS="1641" ID="st1-179"/><SP/><String HEIGHT="27" CONTENT="fraudulent" WIDTH="124" HPOS="508" VPOS="1641" ID="st1-180"/><SP/><String HEIGHT="27" CONTENT="sales" WIDTH="52" HPOS="643" VPOS="1641" ID="st1-181"/><String HEIGHT="27" CONTENT="," WIDTH="11" HPOS="695" VPOS="1641" ID="st1-182"/><SP/><String HEIGHT="27" CONTENT="while" WIDTH="63" HPOS="718" VPOS="1641" ID="st1-183"/><SP/><String HEIGHT="27" CONTENT="at" WIDTH="23" HPOS="792" VPOS="1641" ID="st1-184"/><SP/><String HEIGHT="27" CONTENT="the" WIDTH="38" HPOS="827" VPOS="1641" ID="st1-185"/><SP/><String HEIGHT="27" CONTENT="same" WIDTH="62" HPOS="877" VPOS="1641" ID="st1-186"/><SP/><String HEIGHT="27" CONTENT="time" WIDTH="52" HPOS="950" VPOS="1641" ID="st1-187"/><SP/><String HEIGHT="27" CONTENT="helping" WIDTH="88" HPOS="1014" VPOS="1641" ID="st1-188"/><SP/><String HEIGHT="27" CONTENT="to" WIDTH="25" HPOS="1113" VPOS="1641" ID="st1-189"/><SP/><String HEIGHT="27" CONTENT="create" WIDTH="72" HPOS="1149" VPOS="1641" ID="st1-190"/><SP/><String HEIGHT="27" CONTENT="a" WIDTH="14" HPOS="1233" VPOS="1641" ID="st1-191"/><SP/><String HEIGHT="27" CONTENT="more" WIDTH="61" HPOS="1258" VPOS="1641" ID="st1-192"/><SP/><String HEIGHT="27" CONTENT="stable" WIDTH="69" HPOS="1331" VPOS="1641" ID="st1-193"/><SP/><String HEIGHT="27" CONTENT="and" WIDTH="45" HPOS="1411" VPOS="1641" ID="st1-194"/></TextLine><TextLine HPOS="472" VPOS="1677" ID="tl1-22" WIDTH="414" HEIGHT="27"><String HEIGHT="27" CONTENT="sustainable" WIDTH="131" HPOS="472" VPOS="1677" ID="st1-195"/><SP/><String HEIGHT="27" CONTENT="global" WIDTH="72" HPOS="611" VPOS="1677" ID="st1-196"/><SP/><String HEIGHT="27" CONTENT="financial" WIDTH="99" HPOS="691" VPOS="1677" ID="st1-197"/><SP/><String HEIGHT="27" CONTENT="system" WIDTH="75" HPOS="798" VPOS="1677" ID="st1-198"/><String HEIGHT="27" CONTENT="." WIDTH="13" HPOS="873" VPOS="1677" ID="st1-199"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="2" ID="p840441" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840441" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840441" HEIGHT="2338"><TextLine HPOS="196" VPOS="191" ID="tl2-0" WIDTH="153" HEIGHT="34"><String HEIGHT="34" CONTENT="Contents" WIDTH="153" HPOS="196" VPOS="191" ID="st2-0"/></TextLine><TextLine HPOS="652" VPOS="56" ID="tl2-1" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st2-1"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st2-2"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st2-3"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st2-4"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st2-5"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st2-6"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st2-7"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st2-8"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st2-9"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st2-10"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st2-11"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st2-12"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st2-13"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st2-14"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st2-15"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st2-16"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st2-17"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st2-18"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st2-19"/></TextLine><TextLine HPOS="472" VPOS="307" ID="tl2-2" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Introduction" WIDTH="145" HPOS="472" VPOS="307" ID="st2-20"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="620" VPOS="307" ID="st2-21"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="633" VPOS="307" ID="st2-22"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="647" VPOS="307" ID="st2-23"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="661" VPOS="307" ID="st2-24"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="675" VPOS="307" ID="st2-25"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="689" VPOS="307" ID="st2-26"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="703" VPOS="307" ID="st2-27"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="717" VPOS="307" ID="st2-28"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="731" VPOS="307" ID="st2-29"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="745" VPOS="307" ID="st2-30"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="759" VPOS="307" ID="st2-31"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="773" VPOS="307" ID="st2-32"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="786" VPOS="307" ID="st2-33"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="800" VPOS="307" ID="st2-34"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="814" VPOS="307" ID="st2-35"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="828" VPOS="307" ID="st2-36"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="842" VPOS="307" ID="st2-37"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="856" VPOS="307" ID="st2-38"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="870" VPOS="307" ID="st2-39"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="884" VPOS="307" ID="st2-40"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="898" VPOS="307" ID="st2-41"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="912" VPOS="307" ID="st2-42"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="926" VPOS="307" ID="st2-43"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="939" VPOS="307" ID="st2-44"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="953" VPOS="307" ID="st2-45"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="967" VPOS="307" ID="st2-46"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="981" VPOS="307" ID="st2-47"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="995" VPOS="307" ID="st2-48"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1009" VPOS="307" ID="st2-49"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1023" VPOS="307" ID="st2-50"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1037" VPOS="307" ID="st2-51"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1051" VPOS="307" ID="st2-52"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1065" VPOS="307" ID="st2-53"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1079" VPOS="307" ID="st2-54"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1093" VPOS="307" ID="st2-55"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1106" VPOS="307" ID="st2-56"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1120" VPOS="307" ID="st2-57"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1134" VPOS="307" ID="st2-58"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1148" VPOS="307" ID="st2-59"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1162" VPOS="307" ID="st2-60"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1176" VPOS="307" ID="st2-61"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1190" VPOS="307" ID="st2-62"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1204" VPOS="307" ID="st2-63"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1218" VPOS="307" ID="st2-64"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1232" VPOS="307" ID="st2-65"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1246" VPOS="307" ID="st2-66"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1259" VPOS="307" ID="st2-67"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1273" VPOS="307" ID="st2-68"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1287" VPOS="307" ID="st2-69"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1301" VPOS="307" ID="st2-70"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1315" VPOS="307" ID="st2-71"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1329" VPOS="307" ID="st2-72"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1343" VPOS="307" ID="st2-73"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1357" VPOS="307" ID="st2-74"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="307" ID="st2-75"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="307" ID="st2-76"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="307" ID="st2-77"/><SP/><String HEIGHT="24" CONTENT="2" WIDTH="14" HPOS="1438" VPOS="307" ID="st2-78"/></TextLine><TextLine HPOS="472" VPOS="379" ID="tl2-3" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Section" WIDTH="86" HPOS="472" VPOS="379" ID="st2-79"/><SP/><String HEIGHT="24" CONTENT="1" WIDTH="10" HPOS="565" VPOS="379" ID="st2-80"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="575" VPOS="379" ID="st2-81"/><SP/><String HEIGHT="24" CONTENT="Financialization" WIDTH="183" HPOS="593" VPOS="379" ID="st2-82"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="45" HPOS="783" VPOS="379" ID="st2-83"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="38" HPOS="835" VPOS="379" ID="st2-84"/><SP/><String HEIGHT="24" CONTENT="Global" WIDTH="77" HPOS="880" VPOS="379" ID="st2-85"/><SP/><String HEIGHT="24" CONTENT="Economy" WIDTH="107" HPOS="964" VPOS="379" ID="st2-86"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1071" VPOS="379" ID="st2-87"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1084" VPOS="379" ID="st2-88"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1098" VPOS="379" ID="st2-89"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1112" VPOS="379" ID="st2-90"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1125" VPOS="379" ID="st2-91"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1139" VPOS="379" ID="st2-92"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1153" VPOS="379" ID="st2-93"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1166" VPOS="379" ID="st2-94"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1180" VPOS="379" ID="st2-95"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1194" VPOS="379" ID="st2-96"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1207" VPOS="379" ID="st2-97"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1221" VPOS="379" ID="st2-98"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1235" VPOS="379" ID="st2-99"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1248" VPOS="379" ID="st2-100"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1262" VPOS="379" ID="st2-101"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1276" VPOS="379" ID="st2-102"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1289" VPOS="379" ID="st2-103"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1303" VPOS="379" ID="st2-104"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1317" VPOS="379" ID="st2-105"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1330" VPOS="379" ID="st2-106"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1344" VPOS="379" ID="st2-107"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1358" VPOS="379" ID="st2-108"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="379" ID="st2-109"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="379" ID="st2-110"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="379" ID="st2-111"/><SP/><String HEIGHT="24" CONTENT="3" WIDTH="14" HPOS="1438" VPOS="379" ID="st2-112"/></TextLine><TextLine HPOS="472" VPOS="451" ID="tl2-4" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Section" WIDTH="86" HPOS="472" VPOS="451" ID="st2-113"/><SP/><String HEIGHT="24" CONTENT="2" WIDTH="10" HPOS="565" VPOS="451" ID="st2-114"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="575" VPOS="451" ID="st2-115"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="43" HPOS="593" VPOS="451" ID="st2-116"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="11" HPOS="643" VPOS="451" ID="st2-117"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="654" VPOS="451" ID="st2-118"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="666" VPOS="451" ID="st2-119"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="677" VPOS="451" ID="st2-120"/><SP/><String HEIGHT="24" CONTENT="Banking" WIDTH="95" HPOS="696" VPOS="451" ID="st2-121"/><SP/><String HEIGHT="24" CONTENT="System" WIDTH="85" HPOS="798" VPOS="451" ID="st2-122"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="884" VPOS="451" ID="st2-123"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="897" VPOS="451" ID="st2-124"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="911" VPOS="451" ID="st2-125"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="925" VPOS="451" ID="st2-126"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="939" VPOS="451" ID="st2-127"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="953" VPOS="451" ID="st2-128"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="967" VPOS="451" ID="st2-129"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="981" VPOS="451" ID="st2-130"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="995" VPOS="451" ID="st2-131"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1009" VPOS="451" ID="st2-132"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1023" VPOS="451" ID="st2-133"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1037" VPOS="451" ID="st2-134"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1051" VPOS="451" ID="st2-135"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1064" VPOS="451" ID="st2-136"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1078" VPOS="451" ID="st2-137"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1092" VPOS="451" ID="st2-138"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1106" VPOS="451" ID="st2-139"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1120" VPOS="451" ID="st2-140"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1134" VPOS="451" ID="st2-141"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1148" VPOS="451" ID="st2-142"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1162" VPOS="451" ID="st2-143"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1176" VPOS="451" ID="st2-144"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1190" VPOS="451" ID="st2-145"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1204" VPOS="451" ID="st2-146"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1218" VPOS="451" ID="st2-147"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1232" VPOS="451" ID="st2-148"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1245" VPOS="451" ID="st2-149"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1259" VPOS="451" ID="st2-150"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1273" VPOS="451" ID="st2-151"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1287" VPOS="451" ID="st2-152"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1301" VPOS="451" ID="st2-153"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1315" VPOS="451" ID="st2-154"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1329" VPOS="451" ID="st2-155"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1343" VPOS="451" ID="st2-156"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1357" VPOS="451" ID="st2-157"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="451" ID="st2-158"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="451" ID="st2-159"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="451" ID="st2-160"/><SP/><String HEIGHT="24" CONTENT="5" WIDTH="14" HPOS="1438" VPOS="451" ID="st2-161"/></TextLine><TextLine HPOS="472" VPOS="488" ID="tl2-5" WIDTH="980" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="472" VPOS="488" ID="st2-162"/><SP/><String HEIGHT="23" CONTENT="Challenge" WIDTH="107" HPOS="518" VPOS="488" ID="st2-163"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="632" VPOS="488" ID="st2-164"/><SP/><String HEIGHT="23" CONTENT="Regulation" WIDTH="73" HPOS="661" VPOS="488" ID="st2-165"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="734" VPOS="488" ID="st2-166"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="749" VPOS="488" ID="st2-167"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="764" VPOS="488" ID="st2-168"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="778" VPOS="488" ID="st2-169"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="793" VPOS="488" ID="st2-170"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="808" VPOS="488" ID="st2-171"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="823" VPOS="488" ID="st2-172"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="837" VPOS="488" ID="st2-173"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="852" VPOS="488" ID="st2-174"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="867" VPOS="488" ID="st2-175"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="882" VPOS="488" ID="st2-176"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="896" VPOS="488" ID="st2-177"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="911" VPOS="488" ID="st2-178"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="926" VPOS="488" ID="st2-179"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="941" VPOS="488" ID="st2-180"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="955" VPOS="488" ID="st2-181"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="970" VPOS="488" ID="st2-182"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="985" VPOS="488" ID="st2-183"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1000" VPOS="488" ID="st2-184"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1014" VPOS="488" ID="st2-185"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1029" VPOS="488" ID="st2-186"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1044" VPOS="488" ID="st2-187"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1059" VPOS="488" ID="st2-188"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1073" VPOS="488" ID="st2-189"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1088" VPOS="488" ID="st2-190"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1103" VPOS="488" ID="st2-191"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1118" VPOS="488" ID="st2-192"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1132" VPOS="488" ID="st2-193"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1147" VPOS="488" ID="st2-194"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1162" VPOS="488" ID="st2-195"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1177" VPOS="488" ID="st2-196"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1191" VPOS="488" ID="st2-197"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1206" VPOS="488" ID="st2-198"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1221" VPOS="488" ID="st2-199"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1236" VPOS="488" ID="st2-200"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1250" VPOS="488" ID="st2-201"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1265" VPOS="488" ID="st2-202"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1280" VPOS="488" ID="st2-203"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1295" VPOS="488" ID="st2-204"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1309" VPOS="488" ID="st2-205"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1324" VPOS="488" ID="st2-206"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1339" VPOS="488" ID="st2-207"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1354" VPOS="488" ID="st2-208"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1368" VPOS="488" ID="st2-209"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1383" VPOS="488" ID="st2-210"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1398" VPOS="488" ID="st2-211"/><SP/><String HEIGHT="23" CONTENT="6" WIDTH="14" HPOS="1438" VPOS="488" ID="st2-212"/></TextLine><TextLine HPOS="527" VPOS="524" ID="tl2-6" WIDTH="925" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="527" VPOS="524" ID="st2-213"/><SP/><String HEIGHT="23" CONTENT="Repeal" WIDTH="71" HPOS="573" VPOS="524" ID="st2-214"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="651" VPOS="524" ID="st2-215"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="680" VPOS="524" ID="st2-216"/><SP/><String HEIGHT="23" CONTENT="Glass" WIDTH="52" HPOS="722" VPOS="524" ID="st2-217"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="774" VPOS="524" ID="st2-218"/><String HEIGHT="23" CONTENT="Steagall" WIDTH="84" HPOS="785" VPOS="524" ID="st2-219"/><SP/><String HEIGHT="23" CONTENT="Act" WIDTH="36" HPOS="876" VPOS="524" ID="st2-220"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="919" VPOS="524" ID="st2-221"/><SP/><String HEIGHT="23" CONTENT="1999" WIDTH="29" HPOS="945" VPOS="524" ID="st2-222"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="974" VPOS="524" ID="st2-223"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="988" VPOS="524" ID="st2-224"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1003" VPOS="524" ID="st2-225"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1018" VPOS="524" ID="st2-226"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1032" VPOS="524" ID="st2-227"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1047" VPOS="524" ID="st2-228"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1062" VPOS="524" ID="st2-229"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1076" VPOS="524" ID="st2-230"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1091" VPOS="524" ID="st2-231"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1105" VPOS="524" ID="st2-232"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1120" VPOS="524" ID="st2-233"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1135" VPOS="524" ID="st2-234"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1149" VPOS="524" ID="st2-235"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1164" VPOS="524" ID="st2-236"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1179" VPOS="524" ID="st2-237"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1193" VPOS="524" ID="st2-238"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1208" VPOS="524" ID="st2-239"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1222" VPOS="524" ID="st2-240"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1237" VPOS="524" ID="st2-241"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1252" VPOS="524" ID="st2-242"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1266" VPOS="524" ID="st2-243"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1281" VPOS="524" ID="st2-244"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1296" VPOS="524" ID="st2-245"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1310" VPOS="524" ID="st2-246"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1325" VPOS="524" ID="st2-247"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1339" VPOS="524" ID="st2-248"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1354" VPOS="524" ID="st2-249"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1369" VPOS="524" ID="st2-250"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1383" VPOS="524" ID="st2-251"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1398" VPOS="524" ID="st2-252"/><SP/><String HEIGHT="23" CONTENT="6" WIDTH="14" HPOS="1438" VPOS="524" ID="st2-253"/></TextLine><TextLine HPOS="527" VPOS="560" ID="tl2-7" WIDTH="925" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="527" VPOS="560" ID="st2-254"/><SP/><String HEIGHT="24" CONTENT="Ban" WIDTH="40" HPOS="573" VPOS="560" ID="st2-255"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="620" VPOS="560" ID="st2-256"/><SP/><String HEIGHT="24" CONTENT="Regulation" WIDTH="114" HPOS="655" VPOS="560" ID="st2-257"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="776" VPOS="560" ID="st2-258"/><SP/><String HEIGHT="24" CONTENT="Derivatives" WIDTH="114" HPOS="805" VPOS="560" ID="st2-259"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="926" VPOS="560" ID="st2-260"/><SP/><String HEIGHT="24" CONTENT="2000" WIDTH="29" HPOS="952" VPOS="560" ID="st2-261"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="981" VPOS="560" ID="st2-262"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="996" VPOS="560" ID="st2-263"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1011" VPOS="560" ID="st2-264"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1026" VPOS="560" ID="st2-265"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1041" VPOS="560" ID="st2-266"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1056" VPOS="560" ID="st2-267"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1070" VPOS="560" ID="st2-268"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1085" VPOS="560" ID="st2-269"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1100" VPOS="560" ID="st2-270"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1115" VPOS="560" ID="st2-271"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1130" VPOS="560" ID="st2-272"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1145" VPOS="560" ID="st2-273"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1160" VPOS="560" ID="st2-274"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1175" VPOS="560" ID="st2-275"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1189" VPOS="560" ID="st2-276"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1204" VPOS="560" ID="st2-277"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1219" VPOS="560" ID="st2-278"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1234" VPOS="560" ID="st2-279"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1249" VPOS="560" ID="st2-280"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1264" VPOS="560" ID="st2-281"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1279" VPOS="560" ID="st2-282"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1294" VPOS="560" ID="st2-283"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1308" VPOS="560" ID="st2-284"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1323" VPOS="560" ID="st2-285"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1338" VPOS="560" ID="st2-286"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1353" VPOS="560" ID="st2-287"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1368" VPOS="560" ID="st2-288"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1383" VPOS="560" ID="st2-289"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1398" VPOS="560" ID="st2-290"/><SP/><String HEIGHT="24" CONTENT="7" WIDTH="14" HPOS="1438" VPOS="560" ID="st2-291"/></TextLine><TextLine HPOS="527" VPOS="596" ID="tl2-8" WIDTH="925" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="527" VPOS="596" ID="st2-292"/><String HEIGHT="24" CONTENT="»" WIDTH="13" HPOS="573" VPOS="596" ID="st2-293"/><String HEIGHT="24" CONTENT="London" WIDTH="81" HPOS="586" VPOS="596" ID="st2-294"/><SP/><String HEIGHT="24" CONTENT="Whale" WIDTH="68" HPOS="674" VPOS="596" ID="st2-295"/><String HEIGHT="24" CONTENT="«" WIDTH="14" HPOS="742" VPOS="596" ID="st2-296"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="759" VPOS="596" ID="st2-297"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="772" VPOS="596" ID="st2-298"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="786" VPOS="596" ID="st2-299"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="800" VPOS="596" ID="st2-300"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="814" VPOS="596" ID="st2-301"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="828" VPOS="596" ID="st2-302"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="842" VPOS="596" ID="st2-303"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="856" VPOS="596" ID="st2-304"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="870" VPOS="596" ID="st2-305"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="884" VPOS="596" ID="st2-306"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="898" VPOS="596" ID="st2-307"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="912" VPOS="596" ID="st2-308"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="925" VPOS="596" ID="st2-309"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="939" VPOS="596" ID="st2-310"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="953" VPOS="596" ID="st2-311"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="967" VPOS="596" ID="st2-312"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="981" VPOS="596" ID="st2-313"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="995" VPOS="596" ID="st2-314"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1009" VPOS="596" ID="st2-315"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1023" VPOS="596" ID="st2-316"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1037" VPOS="596" ID="st2-317"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1051" VPOS="596" ID="st2-318"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1065" VPOS="596" ID="st2-319"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1079" VPOS="596" ID="st2-320"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1092" VPOS="596" ID="st2-321"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1106" VPOS="596" ID="st2-322"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1120" VPOS="596" ID="st2-323"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1134" VPOS="596" ID="st2-324"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1148" VPOS="596" ID="st2-325"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1162" VPOS="596" ID="st2-326"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1176" VPOS="596" ID="st2-327"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1190" VPOS="596" ID="st2-328"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1204" VPOS="596" ID="st2-329"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1218" VPOS="596" ID="st2-330"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1232" VPOS="596" ID="st2-331"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1246" VPOS="596" ID="st2-332"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1259" VPOS="596" ID="st2-333"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1273" VPOS="596" ID="st2-334"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1287" VPOS="596" ID="st2-335"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1301" VPOS="596" ID="st2-336"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1315" VPOS="596" ID="st2-337"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1329" VPOS="596" ID="st2-338"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1343" VPOS="596" ID="st2-339"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1357" VPOS="596" ID="st2-340"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="596" ID="st2-341"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="596" ID="st2-342"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="596" ID="st2-343"/><SP/><String HEIGHT="24" CONTENT="7" WIDTH="14" HPOS="1438" VPOS="596" ID="st2-344"/></TextLine><TextLine HPOS="472" VPOS="632" ID="tl2-9" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Workers" WIDTH="83" HPOS="472" VPOS="632" ID="st2-345"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="555" VPOS="632" ID="st2-346"/><SP/><String HEIGHT="24" CONTENT="Role" WIDTH="46" HPOS="574" VPOS="632" ID="st2-347"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="627" VPOS="632" ID="st2-348"/><SP/><String HEIGHT="24" CONTENT="Governance" WIDTH="129" HPOS="653" VPOS="632" ID="st2-349"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="789" VPOS="632" ID="st2-350"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="802" VPOS="632" ID="st2-351"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="816" VPOS="632" ID="st2-352"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="830" VPOS="632" ID="st2-353"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="844" VPOS="632" ID="st2-354"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="858" VPOS="632" ID="st2-355"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="872" VPOS="632" ID="st2-356"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="886" VPOS="632" ID="st2-357"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="899" VPOS="632" ID="st2-358"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="913" VPOS="632" ID="st2-359"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="927" VPOS="632" ID="st2-360"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="941" VPOS="632" ID="st2-361"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="955" VPOS="632" ID="st2-362"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="969" VPOS="632" ID="st2-363"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="983" VPOS="632" ID="st2-364"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="997" VPOS="632" ID="st2-365"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1010" VPOS="632" ID="st2-366"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1024" VPOS="632" ID="st2-367"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1038" VPOS="632" ID="st2-368"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1052" VPOS="632" ID="st2-369"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1066" VPOS="632" ID="st2-370"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1080" VPOS="632" ID="st2-371"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1094" VPOS="632" ID="st2-372"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1107" VPOS="632" ID="st2-373"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1121" VPOS="632" ID="st2-374"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1135" VPOS="632" ID="st2-375"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1149" VPOS="632" ID="st2-376"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1163" VPOS="632" ID="st2-377"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1177" VPOS="632" ID="st2-378"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1191" VPOS="632" ID="st2-379"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1205" VPOS="632" ID="st2-380"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1218" VPOS="632" ID="st2-381"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1232" VPOS="632" ID="st2-382"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1246" VPOS="632" ID="st2-383"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1260" VPOS="632" ID="st2-384"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1274" VPOS="632" ID="st2-385"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1288" VPOS="632" ID="st2-386"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1302" VPOS="632" ID="st2-387"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1315" VPOS="632" ID="st2-388"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1329" VPOS="632" ID="st2-389"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1343" VPOS="632" ID="st2-390"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1357" VPOS="632" ID="st2-391"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="632" ID="st2-392"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="632" ID="st2-393"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="632" ID="st2-394"/><SP/><String HEIGHT="24" CONTENT="8" WIDTH="14" HPOS="1438" VPOS="632" ID="st2-395"/></TextLine><TextLine HPOS="527" VPOS="668" ID="tl2-10" WIDTH="925" HEIGHT="24"><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="527" VPOS="668" ID="st2-396"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="35" HPOS="590" VPOS="668" ID="st2-397"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="625" VPOS="668" ID="st2-398"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="640" VPOS="668" ID="st2-399"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="654" VPOS="668" ID="st2-400"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="668" VPOS="668" ID="st2-401"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="683" VPOS="668" ID="st2-402"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="697" VPOS="668" ID="st2-403"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="711" VPOS="668" ID="st2-404"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="725" VPOS="668" ID="st2-405"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="740" VPOS="668" ID="st2-406"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="754" VPOS="668" ID="st2-407"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="768" VPOS="668" ID="st2-408"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="783" VPOS="668" ID="st2-409"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="797" VPOS="668" ID="st2-410"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="811" VPOS="668" ID="st2-411"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="826" VPOS="668" ID="st2-412"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="840" VPOS="668" ID="st2-413"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="854" VPOS="668" ID="st2-414"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="869" VPOS="668" ID="st2-415"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="883" VPOS="668" ID="st2-416"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="897" VPOS="668" ID="st2-417"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="912" VPOS="668" ID="st2-418"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="926" VPOS="668" ID="st2-419"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="940" VPOS="668" ID="st2-420"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="954" VPOS="668" ID="st2-421"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="969" VPOS="668" ID="st2-422"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="983" VPOS="668" ID="st2-423"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="997" VPOS="668" ID="st2-424"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1012" VPOS="668" ID="st2-425"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1026" VPOS="668" ID="st2-426"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1040" VPOS="668" ID="st2-427"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1055" VPOS="668" ID="st2-428"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1069" VPOS="668" ID="st2-429"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1083" VPOS="668" ID="st2-430"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1098" VPOS="668" ID="st2-431"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1112" VPOS="668" ID="st2-432"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1126" VPOS="668" ID="st2-433"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1141" VPOS="668" ID="st2-434"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1155" VPOS="668" ID="st2-435"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1169" VPOS="668" ID="st2-436"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1183" VPOS="668" ID="st2-437"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1198" VPOS="668" ID="st2-438"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1212" VPOS="668" ID="st2-439"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1226" VPOS="668" ID="st2-440"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1241" VPOS="668" ID="st2-441"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1255" VPOS="668" ID="st2-442"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1269" VPOS="668" ID="st2-443"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1284" VPOS="668" ID="st2-444"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1298" VPOS="668" ID="st2-445"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1312" VPOS="668" ID="st2-446"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1327" VPOS="668" ID="st2-447"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1341" VPOS="668" ID="st2-448"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1355" VPOS="668" ID="st2-449"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1370" VPOS="668" ID="st2-450"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1384" VPOS="668" ID="st2-451"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1398" VPOS="668" ID="st2-452"/><SP/><String HEIGHT="24" CONTENT="8" WIDTH="14" HPOS="1438" VPOS="668" ID="st2-453"/></TextLine><TextLine HPOS="527" VPOS="704" ID="tl2-11" WIDTH="925" HEIGHT="24"><String HEIGHT="24" CONTENT="Santander" WIDTH="65" HPOS="527" VPOS="704" ID="st2-454"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="592" VPOS="704" ID="st2-455"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="607" VPOS="704" ID="st2-456"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="622" VPOS="704" ID="st2-457"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="636" VPOS="704" ID="st2-458"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="651" VPOS="704" ID="st2-459"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="666" VPOS="704" ID="st2-460"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="680" VPOS="704" ID="st2-461"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="695" VPOS="704" ID="st2-462"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="710" VPOS="704" ID="st2-463"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="724" VPOS="704" ID="st2-464"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="739" VPOS="704" ID="st2-465"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="753" VPOS="704" ID="st2-466"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="768" VPOS="704" ID="st2-467"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="783" VPOS="704" ID="st2-468"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="797" VPOS="704" ID="st2-469"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="812" VPOS="704" ID="st2-470"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="827" VPOS="704" ID="st2-471"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="841" VPOS="704" ID="st2-472"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="856" VPOS="704" ID="st2-473"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="871" VPOS="704" ID="st2-474"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="885" VPOS="704" ID="st2-475"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="900" VPOS="704" ID="st2-476"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="915" VPOS="704" ID="st2-477"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="929" VPOS="704" ID="st2-478"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="944" VPOS="704" ID="st2-479"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="959" VPOS="704" ID="st2-480"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="973" VPOS="704" ID="st2-481"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="988" VPOS="704" ID="st2-482"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1002" VPOS="704" ID="st2-483"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1017" VPOS="704" ID="st2-484"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1032" VPOS="704" ID="st2-485"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1046" VPOS="704" ID="st2-486"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1061" VPOS="704" ID="st2-487"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1076" VPOS="704" ID="st2-488"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1090" VPOS="704" ID="st2-489"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1105" VPOS="704" ID="st2-490"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1120" VPOS="704" ID="st2-491"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1134" VPOS="704" ID="st2-492"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1149" VPOS="704" ID="st2-493"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1164" VPOS="704" ID="st2-494"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1178" VPOS="704" ID="st2-495"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1193" VPOS="704" ID="st2-496"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1207" VPOS="704" ID="st2-497"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1222" VPOS="704" ID="st2-498"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1237" VPOS="704" ID="st2-499"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1251" VPOS="704" ID="st2-500"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1266" VPOS="704" ID="st2-501"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1281" VPOS="704" ID="st2-502"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1295" VPOS="704" ID="st2-503"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1310" VPOS="704" ID="st2-504"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1325" VPOS="704" ID="st2-505"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1339" VPOS="704" ID="st2-506"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1354" VPOS="704" ID="st2-507"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1369" VPOS="704" ID="st2-508"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1383" VPOS="704" ID="st2-509"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1398" VPOS="704" ID="st2-510"/><SP/><String HEIGHT="24" CONTENT="9" WIDTH="14" HPOS="1438" VPOS="704" ID="st2-511"/></TextLine><TextLine HPOS="472" VPOS="776" ID="tl2-12" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Section" WIDTH="86" HPOS="472" VPOS="776" ID="st2-512"/><SP/><String HEIGHT="24" CONTENT="3" WIDTH="10" HPOS="565" VPOS="776" ID="st2-513"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="575" VPOS="776" ID="st2-514"/><SP/><String HEIGHT="24" CONTENT="Organized" WIDTH="122" HPOS="593" VPOS="776" ID="st2-515"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="58" HPOS="722" VPOS="776" ID="st2-516"/><SP/><String HEIGHT="24" CONTENT="Workers" WIDTH="98" HPOS="787" VPOS="776" ID="st2-517"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="25" HPOS="892" VPOS="776" ID="st2-518"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="14" HPOS="924" VPOS="776" ID="st2-519"/><SP/><String HEIGHT="24" CONTENT="Solution" WIDTH="99" HPOS="945" VPOS="776" ID="st2-520"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1044" VPOS="776" ID="st2-521"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1057" VPOS="776" ID="st2-522"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1071" VPOS="776" ID="st2-523"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1085" VPOS="776" ID="st2-524"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1098" VPOS="776" ID="st2-525"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1112" VPOS="776" ID="st2-526"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1126" VPOS="776" ID="st2-527"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1139" VPOS="776" ID="st2-528"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1153" VPOS="776" ID="st2-529"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1167" VPOS="776" ID="st2-530"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1180" VPOS="776" ID="st2-531"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1194" VPOS="776" ID="st2-532"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1208" VPOS="776" ID="st2-533"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1221" VPOS="776" ID="st2-534"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1235" VPOS="776" ID="st2-535"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1249" VPOS="776" ID="st2-536"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1262" VPOS="776" ID="st2-537"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1276" VPOS="776" ID="st2-538"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1290" VPOS="776" ID="st2-539"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1303" VPOS="776" ID="st2-540"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1317" VPOS="776" ID="st2-541"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1331" VPOS="776" ID="st2-542"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1344" VPOS="776" ID="st2-543"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1358" VPOS="776" ID="st2-544"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1372" VPOS="776" ID="st2-545"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="776" ID="st2-546"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="776" ID="st2-547"/><SP/><String HEIGHT="24" CONTENT="10" WIDTH="28" HPOS="1424" VPOS="776" ID="st2-548"/></TextLine><TextLine HPOS="472" VPOS="813" ID="tl2-13" WIDTH="980" HEIGHT="23"><String HEIGHT="23" CONTENT="Bank" WIDTH="53" HPOS="472" VPOS="813" ID="st2-549"/><SP/><String HEIGHT="23" CONTENT="Workers" WIDTH="83" HPOS="532" VPOS="813" ID="st2-550"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="615" VPOS="813" ID="st2-551"/><SP/><String HEIGHT="23" CONTENT="Alignment" WIDTH="111" HPOS="634" VPOS="813" ID="st2-552"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="752" VPOS="813" ID="st2-553"/><SP/><String HEIGHT="23" CONTENT="Interests" WIDTH="65" HPOS="781" VPOS="813" ID="st2-554"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="846" VPOS="813" ID="st2-555"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="860" VPOS="813" ID="st2-556"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="875" VPOS="813" ID="st2-557"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="889" VPOS="813" ID="st2-558"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="904" VPOS="813" ID="st2-559"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="919" VPOS="813" ID="st2-560"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="933" VPOS="813" ID="st2-561"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="948" VPOS="813" ID="st2-562"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="962" VPOS="813" ID="st2-563"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="977" VPOS="813" ID="st2-564"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="991" VPOS="813" ID="st2-565"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1006" VPOS="813" ID="st2-566"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1020" VPOS="813" ID="st2-567"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1035" VPOS="813" ID="st2-568"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1049" VPOS="813" ID="st2-569"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1064" VPOS="813" ID="st2-570"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1078" VPOS="813" ID="st2-571"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1093" VPOS="813" ID="st2-572"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1107" VPOS="813" ID="st2-573"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1122" VPOS="813" ID="st2-574"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1136" VPOS="813" ID="st2-575"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1151" VPOS="813" ID="st2-576"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1166" VPOS="813" ID="st2-577"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1180" VPOS="813" ID="st2-578"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1195" VPOS="813" ID="st2-579"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1209" VPOS="813" ID="st2-580"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1224" VPOS="813" ID="st2-581"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1238" VPOS="813" ID="st2-582"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1253" VPOS="813" ID="st2-583"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1267" VPOS="813" ID="st2-584"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1282" VPOS="813" ID="st2-585"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1296" VPOS="813" ID="st2-586"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1311" VPOS="813" ID="st2-587"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1325" VPOS="813" ID="st2-588"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1340" VPOS="813" ID="st2-589"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1354" VPOS="813" ID="st2-590"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1369" VPOS="813" ID="st2-591"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1383" VPOS="813" ID="st2-592"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1398" VPOS="813" ID="st2-593"/><SP/><String HEIGHT="23" CONTENT="11" WIDTH="28" HPOS="1424" VPOS="813" ID="st2-594"/></TextLine><TextLine HPOS="527" VPOS="849" ID="tl2-14" WIDTH="925" HEIGHT="23"><String HEIGHT="23" CONTENT="Bargaining" WIDTH="114" HPOS="527" VPOS="849" ID="st2-595"/><SP/><String HEIGHT="23" CONTENT="Over" WIDTH="50" HPOS="648" VPOS="849" ID="st2-596"/><SP/><String HEIGHT="23" CONTENT="Compensation" WIDTH="92" HPOS="705" VPOS="849" ID="st2-597"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="797" VPOS="849" ID="st2-598"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="812" VPOS="849" ID="st2-599"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="828" VPOS="849" ID="st2-600"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="843" VPOS="849" ID="st2-601"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="858" VPOS="849" ID="st2-602"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="874" VPOS="849" ID="st2-603"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="889" VPOS="849" ID="st2-604"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="905" VPOS="849" ID="st2-605"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="920" VPOS="849" ID="st2-606"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="935" VPOS="849" ID="st2-607"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="951" VPOS="849" ID="st2-608"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="966" VPOS="849" ID="st2-609"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="982" VPOS="849" ID="st2-610"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="997" VPOS="849" ID="st2-611"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1012" VPOS="849" ID="st2-612"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1028" VPOS="849" ID="st2-613"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1043" VPOS="849" ID="st2-614"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1059" VPOS="849" ID="st2-615"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1074" VPOS="849" ID="st2-616"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1089" VPOS="849" ID="st2-617"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1105" VPOS="849" ID="st2-618"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1120" VPOS="849" ID="st2-619"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1135" VPOS="849" ID="st2-620"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1151" VPOS="849" ID="st2-621"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1166" VPOS="849" ID="st2-622"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1182" VPOS="849" ID="st2-623"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1197" VPOS="849" ID="st2-624"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1212" VPOS="849" ID="st2-625"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1228" VPOS="849" ID="st2-626"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1243" VPOS="849" ID="st2-627"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1259" VPOS="849" ID="st2-628"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1274" VPOS="849" ID="st2-629"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1289" VPOS="849" ID="st2-630"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1305" VPOS="849" ID="st2-631"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1320" VPOS="849" ID="st2-632"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1336" VPOS="849" ID="st2-633"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1351" VPOS="849" ID="st2-634"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1366" VPOS="849" ID="st2-635"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1382" VPOS="849" ID="st2-636"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1397" VPOS="849" ID="st2-637"/><SP/><String HEIGHT="23" CONTENT="12" WIDTH="28" HPOS="1424" VPOS="849" ID="st2-638"/></TextLine><TextLine HPOS="472" VPOS="885" ID="tl2-15" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Worker" WIDTH="79" HPOS="472" VPOS="885" ID="st2-639"/><SP/><String HEIGHT="24" CONTENT="Voice" WIDTH="57" HPOS="558" VPOS="885" ID="st2-640"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="621" VPOS="885" ID="st2-641"/><SP/><String HEIGHT="24" CONTENT="Transparency" WIDTH="89" HPOS="669" VPOS="885" ID="st2-642"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="758" VPOS="885" ID="st2-643"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="773" VPOS="885" ID="st2-644"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="788" VPOS="885" ID="st2-645"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="802" VPOS="885" ID="st2-646"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="817" VPOS="885" ID="st2-647"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="832" VPOS="885" ID="st2-648"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="847" VPOS="885" ID="st2-649"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="862" VPOS="885" ID="st2-650"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="877" VPOS="885" ID="st2-651"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="892" VPOS="885" ID="st2-652"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="907" VPOS="885" ID="st2-653"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="921" VPOS="885" ID="st2-654"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="936" VPOS="885" ID="st2-655"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="951" VPOS="885" ID="st2-656"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="966" VPOS="885" ID="st2-657"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="981" VPOS="885" ID="st2-658"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="996" VPOS="885" ID="st2-659"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1011" VPOS="885" ID="st2-660"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1026" VPOS="885" ID="st2-661"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1041" VPOS="885" ID="st2-662"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1055" VPOS="885" ID="st2-663"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1070" VPOS="885" ID="st2-664"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1085" VPOS="885" ID="st2-665"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1100" VPOS="885" ID="st2-666"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1115" VPOS="885" ID="st2-667"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1130" VPOS="885" ID="st2-668"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1145" VPOS="885" ID="st2-669"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1160" VPOS="885" ID="st2-670"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1174" VPOS="885" ID="st2-671"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1189" VPOS="885" ID="st2-672"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1204" VPOS="885" ID="st2-673"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1219" VPOS="885" ID="st2-674"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1234" VPOS="885" ID="st2-675"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1249" VPOS="885" ID="st2-676"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1264" VPOS="885" ID="st2-677"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1279" VPOS="885" ID="st2-678"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1293" VPOS="885" ID="st2-679"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1308" VPOS="885" ID="st2-680"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1323" VPOS="885" ID="st2-681"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1338" VPOS="885" ID="st2-682"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1353" VPOS="885" ID="st2-683"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1368" VPOS="885" ID="st2-684"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1383" VPOS="885" ID="st2-685"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1398" VPOS="885" ID="st2-686"/><SP/><String HEIGHT="24" CONTENT="12" WIDTH="28" HPOS="1424" VPOS="885" ID="st2-687"/></TextLine><TextLine HPOS="472" VPOS="921" ID="tl2-16" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="472" VPOS="921" ID="st2-688"/><SP/><String HEIGHT="24" CONTENT="Worker" WIDTH="78" HPOS="518" VPOS="921" ID="st2-689"/><SP/><String HEIGHT="24" CONTENT="Stress/Productivity" WIDTH="191" HPOS="603" VPOS="921" ID="st2-690"/><SP/><String HEIGHT="24" CONTENT="Trade" WIDTH="36" HPOS="801" VPOS="921" ID="st2-691"/><String HEIGHT="24" CONTENT="-" WIDTH="8" HPOS="837" VPOS="921" ID="st2-692"/><String HEIGHT="24" CONTENT="off" WIDTH="22" HPOS="845" VPOS="921" ID="st2-693"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="867" VPOS="921" ID="st2-694"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="882" VPOS="921" ID="st2-695"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="896" VPOS="921" ID="st2-696"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="911" VPOS="921" ID="st2-697"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="926" VPOS="921" ID="st2-698"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="941" VPOS="921" ID="st2-699"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="955" VPOS="921" ID="st2-700"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="970" VPOS="921" ID="st2-701"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="985" VPOS="921" ID="st2-702"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1000" VPOS="921" ID="st2-703"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1014" VPOS="921" ID="st2-704"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1029" VPOS="921" ID="st2-705"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1044" VPOS="921" ID="st2-706"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1059" VPOS="921" ID="st2-707"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1073" VPOS="921" ID="st2-708"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1088" VPOS="921" ID="st2-709"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1103" VPOS="921" ID="st2-710"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1118" VPOS="921" ID="st2-711"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1132" VPOS="921" ID="st2-712"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1147" VPOS="921" ID="st2-713"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1162" VPOS="921" ID="st2-714"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1177" VPOS="921" ID="st2-715"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1191" VPOS="921" ID="st2-716"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1206" VPOS="921" ID="st2-717"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1221" VPOS="921" ID="st2-718"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1236" VPOS="921" ID="st2-719"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1250" VPOS="921" ID="st2-720"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1265" VPOS="921" ID="st2-721"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1280" VPOS="921" ID="st2-722"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1295" VPOS="921" ID="st2-723"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1309" VPOS="921" ID="st2-724"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1324" VPOS="921" ID="st2-725"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1339" VPOS="921" ID="st2-726"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1354" VPOS="921" ID="st2-727"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1368" VPOS="921" ID="st2-728"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1383" VPOS="921" ID="st2-729"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1398" VPOS="921" ID="st2-730"/><SP/><String HEIGHT="24" CONTENT="12" WIDTH="28" HPOS="1424" VPOS="921" ID="st2-731"/></TextLine><TextLine HPOS="472" VPOS="993" ID="tl2-17" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Section" WIDTH="86" HPOS="472" VPOS="993" ID="st2-732"/><SP/><String HEIGHT="24" CONTENT="4" WIDTH="10" HPOS="565" VPOS="993" ID="st2-733"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="575" VPOS="993" ID="st2-734"/><SP/><String HEIGHT="24" CONTENT="International" WIDTH="153" HPOS="593" VPOS="993" ID="st2-735"/><SP/><String HEIGHT="24" CONTENT="Examples" WIDTH="111" HPOS="753" VPOS="993" ID="st2-736"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="25" HPOS="871" VPOS="993" ID="st2-737"/><SP/><String HEIGHT="24" CONTENT="Workers" WIDTH="98" HPOS="903" VPOS="993" ID="st2-738"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="25" HPOS="1008" VPOS="993" ID="st2-739"/><SP/><String HEIGHT="24" CONTENT="Allies" WIDTH="64" HPOS="1040" VPOS="993" ID="st2-740"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1107" VPOS="993" ID="st2-741"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1120" VPOS="993" ID="st2-742"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1134" VPOS="993" ID="st2-743"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1148" VPOS="993" ID="st2-744"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1162" VPOS="993" ID="st2-745"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1176" VPOS="993" ID="st2-746"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1190" VPOS="993" ID="st2-747"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1204" VPOS="993" ID="st2-748"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1218" VPOS="993" ID="st2-749"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1232" VPOS="993" ID="st2-750"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1246" VPOS="993" ID="st2-751"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1260" VPOS="993" ID="st2-752"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1273" VPOS="993" ID="st2-753"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1287" VPOS="993" ID="st2-754"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1301" VPOS="993" ID="st2-755"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1315" VPOS="993" ID="st2-756"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1329" VPOS="993" ID="st2-757"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1343" VPOS="993" ID="st2-758"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1357" VPOS="993" ID="st2-759"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="993" ID="st2-760"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="993" ID="st2-761"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="993" ID="st2-762"/><SP/><String HEIGHT="24" CONTENT="13" WIDTH="28" HPOS="1424" VPOS="993" ID="st2-763"/></TextLine><TextLine HPOS="472" VPOS="1029" ID="tl2-18" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Brazil" WIDTH="54" HPOS="472" VPOS="1029" ID="st2-764"/><String HEIGHT="24" CONTENT=":" WIDTH="10" HPOS="526" VPOS="1029" ID="st2-765"/><SP/><String HEIGHT="24" CONTENT="Bargaining" WIDTH="114" HPOS="543" VPOS="1029" ID="st2-766"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="664" VPOS="1029" ID="st2-767"/><SP/><String HEIGHT="24" CONTENT="Equality" WIDTH="83" HPOS="701" VPOS="1029" ID="st2-768"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="791" VPOS="1029" ID="st2-769"/><SP/><String HEIGHT="24" CONTENT="Productivity" WIDTH="123" HPOS="839" VPOS="1029" ID="st2-770"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="968" VPOS="1029" ID="st2-771"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="981" VPOS="1029" ID="st2-772"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="995" VPOS="1029" ID="st2-773"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1009" VPOS="1029" ID="st2-774"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1023" VPOS="1029" ID="st2-775"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1037" VPOS="1029" ID="st2-776"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1051" VPOS="1029" ID="st2-777"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1065" VPOS="1029" ID="st2-778"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1079" VPOS="1029" ID="st2-779"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1093" VPOS="1029" ID="st2-780"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1107" VPOS="1029" ID="st2-781"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1120" VPOS="1029" ID="st2-782"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1134" VPOS="1029" ID="st2-783"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1148" VPOS="1029" ID="st2-784"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1162" VPOS="1029" ID="st2-785"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1176" VPOS="1029" ID="st2-786"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1190" VPOS="1029" ID="st2-787"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1204" VPOS="1029" ID="st2-788"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1218" VPOS="1029" ID="st2-789"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1232" VPOS="1029" ID="st2-790"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1246" VPOS="1029" ID="st2-791"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1260" VPOS="1029" ID="st2-792"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1273" VPOS="1029" ID="st2-793"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1287" VPOS="1029" ID="st2-794"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1301" VPOS="1029" ID="st2-795"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1315" VPOS="1029" ID="st2-796"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1329" VPOS="1029" ID="st2-797"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1343" VPOS="1029" ID="st2-798"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1357" VPOS="1029" ID="st2-799"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="1029" ID="st2-800"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="1029" ID="st2-801"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="1029" ID="st2-802"/><SP/><String HEIGHT="24" CONTENT="14" WIDTH="28" HPOS="1424" VPOS="1029" ID="st2-803"/></TextLine><TextLine HPOS="472" VPOS="1065" ID="tl2-19" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Consultation" WIDTH="136" HPOS="472" VPOS="1065" ID="st2-804"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="615" VPOS="1065" ID="st2-805"/><SP/><String HEIGHT="24" CONTENT="Communication" WIDTH="100" HPOS="662" VPOS="1065" ID="st2-806"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="762" VPOS="1065" ID="st2-807"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="778" VPOS="1065" ID="st2-808"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="793" VPOS="1065" ID="st2-809"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="809" VPOS="1065" ID="st2-810"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="824" VPOS="1065" ID="st2-811"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="840" VPOS="1065" ID="st2-812"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="855" VPOS="1065" ID="st2-813"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="871" VPOS="1065" ID="st2-814"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="886" VPOS="1065" ID="st2-815"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="902" VPOS="1065" ID="st2-816"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="917" VPOS="1065" ID="st2-817"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="932" VPOS="1065" ID="st2-818"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="948" VPOS="1065" ID="st2-819"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="963" VPOS="1065" ID="st2-820"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="979" VPOS="1065" ID="st2-821"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="994" VPOS="1065" ID="st2-822"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1010" VPOS="1065" ID="st2-823"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1025" VPOS="1065" ID="st2-824"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1041" VPOS="1065" ID="st2-825"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1056" VPOS="1065" ID="st2-826"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1072" VPOS="1065" ID="st2-827"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1087" VPOS="1065" ID="st2-828"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1103" VPOS="1065" ID="st2-829"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1118" VPOS="1065" ID="st2-830"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1134" VPOS="1065" ID="st2-831"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1149" VPOS="1065" ID="st2-832"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1165" VPOS="1065" ID="st2-833"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1180" VPOS="1065" ID="st2-834"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1196" VPOS="1065" ID="st2-835"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1211" VPOS="1065" ID="st2-836"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1227" VPOS="1065" ID="st2-837"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1242" VPOS="1065" ID="st2-838"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1258" VPOS="1065" ID="st2-839"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1273" VPOS="1065" ID="st2-840"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1289" VPOS="1065" ID="st2-841"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1304" VPOS="1065" ID="st2-842"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1320" VPOS="1065" ID="st2-843"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1335" VPOS="1065" ID="st2-844"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1351" VPOS="1065" ID="st2-845"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1366" VPOS="1065" ID="st2-846"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1382" VPOS="1065" ID="st2-847"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1397" VPOS="1065" ID="st2-848"/><SP/><String HEIGHT="24" CONTENT="14" WIDTH="28" HPOS="1424" VPOS="1065" ID="st2-849"/></TextLine><TextLine HPOS="472" VPOS="1101" ID="tl2-20" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="472" VPOS="1101" ID="st2-850"/><SP/><String HEIGHT="24" CONTENT="Nordic" WIDTH="69" HPOS="518" VPOS="1101" ID="st2-851"/><SP/><String HEIGHT="24" CONTENT="Model" WIDTH="68" HPOS="594" VPOS="1101" ID="st2-852"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="669" VPOS="1101" ID="st2-853"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="682" VPOS="1101" ID="st2-854"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="696" VPOS="1101" ID="st2-855"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="710" VPOS="1101" ID="st2-856"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="724" VPOS="1101" ID="st2-857"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="737" VPOS="1101" ID="st2-858"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="751" VPOS="1101" ID="st2-859"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="765" VPOS="1101" ID="st2-860"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="779" VPOS="1101" ID="st2-861"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="793" VPOS="1101" ID="st2-862"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="806" VPOS="1101" ID="st2-863"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="820" VPOS="1101" ID="st2-864"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="834" VPOS="1101" ID="st2-865"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="848" VPOS="1101" ID="st2-866"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="861" VPOS="1101" ID="st2-867"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="875" VPOS="1101" ID="st2-868"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="889" VPOS="1101" ID="st2-869"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="903" VPOS="1101" ID="st2-870"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="917" VPOS="1101" ID="st2-871"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="930" VPOS="1101" ID="st2-872"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="944" VPOS="1101" ID="st2-873"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="958" VPOS="1101" ID="st2-874"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="972" VPOS="1101" ID="st2-875"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="985" VPOS="1101" ID="st2-876"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="999" VPOS="1101" ID="st2-877"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1013" VPOS="1101" ID="st2-878"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1027" VPOS="1101" ID="st2-879"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1041" VPOS="1101" ID="st2-880"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1054" VPOS="1101" ID="st2-881"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1068" VPOS="1101" ID="st2-882"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1082" VPOS="1101" ID="st2-883"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1096" VPOS="1101" ID="st2-884"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1109" VPOS="1101" ID="st2-885"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1123" VPOS="1101" ID="st2-886"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1137" VPOS="1101" ID="st2-887"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1151" VPOS="1101" ID="st2-888"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1165" VPOS="1101" ID="st2-889"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1178" VPOS="1101" ID="st2-890"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1192" VPOS="1101" ID="st2-891"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1206" VPOS="1101" ID="st2-892"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1220" VPOS="1101" ID="st2-893"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1233" VPOS="1101" ID="st2-894"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1247" VPOS="1101" ID="st2-895"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1261" VPOS="1101" ID="st2-896"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1275" VPOS="1101" ID="st2-897"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1289" VPOS="1101" ID="st2-898"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1302" VPOS="1101" ID="st2-899"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1316" VPOS="1101" ID="st2-900"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1330" VPOS="1101" ID="st2-901"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1344" VPOS="1101" ID="st2-902"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1357" VPOS="1101" ID="st2-903"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="1101" ID="st2-904"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="1101" ID="st2-905"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="1101" ID="st2-906"/><SP/><String HEIGHT="24" CONTENT="14" WIDTH="28" HPOS="1424" VPOS="1101" ID="st2-907"/></TextLine><TextLine HPOS="472" VPOS="1138" ID="tl2-21" WIDTH="980" HEIGHT="23"><String HEIGHT="23" CONTENT="Germany" WIDTH="97" HPOS="472" VPOS="1138" ID="st2-908"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="576" VPOS="1138" ID="st2-909"/><SP/><String HEIGHT="23" CONTENT="Co" WIDTH="15" HPOS="623" VPOS="1138" ID="st2-910"/><String HEIGHT="23" CONTENT="-" WIDTH="8" HPOS="638" VPOS="1138" ID="st2-911"/><String HEIGHT="23" CONTENT="Determination" WIDTH="100" HPOS="646" VPOS="1138" ID="st2-912"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="746" VPOS="1138" ID="st2-913"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="762" VPOS="1138" ID="st2-914"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="777" VPOS="1138" ID="st2-915"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="793" VPOS="1138" ID="st2-916"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="808" VPOS="1138" ID="st2-917"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="824" VPOS="1138" ID="st2-918"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="839" VPOS="1138" ID="st2-919"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="855" VPOS="1138" ID="st2-920"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="870" VPOS="1138" ID="st2-921"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="886" VPOS="1138" ID="st2-922"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="901" VPOS="1138" ID="st2-923"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="917" VPOS="1138" ID="st2-924"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="932" VPOS="1138" ID="st2-925"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="948" VPOS="1138" ID="st2-926"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="963" VPOS="1138" ID="st2-927"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="979" VPOS="1138" ID="st2-928"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="994" VPOS="1138" ID="st2-929"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1010" VPOS="1138" ID="st2-930"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1025" VPOS="1138" ID="st2-931"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1041" VPOS="1138" ID="st2-932"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1056" VPOS="1138" ID="st2-933"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1072" VPOS="1138" ID="st2-934"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1087" VPOS="1138" ID="st2-935"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1103" VPOS="1138" ID="st2-936"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1118" VPOS="1138" ID="st2-937"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1134" VPOS="1138" ID="st2-938"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1149" VPOS="1138" ID="st2-939"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1165" VPOS="1138" ID="st2-940"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1180" VPOS="1138" ID="st2-941"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1196" VPOS="1138" ID="st2-942"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1211" VPOS="1138" ID="st2-943"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1227" VPOS="1138" ID="st2-944"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1242" VPOS="1138" ID="st2-945"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1258" VPOS="1138" ID="st2-946"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1273" VPOS="1138" ID="st2-947"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1289" VPOS="1138" ID="st2-948"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1304" VPOS="1138" ID="st2-949"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1320" VPOS="1138" ID="st2-950"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1335" VPOS="1138" ID="st2-951"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1351" VPOS="1138" ID="st2-952"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1366" VPOS="1138" ID="st2-953"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1382" VPOS="1138" ID="st2-954"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1397" VPOS="1138" ID="st2-955"/><SP/><String HEIGHT="23" CONTENT="15" WIDTH="28" HPOS="1424" VPOS="1138" ID="st2-956"/></TextLine><TextLine HPOS="472" VPOS="1174" ID="tl2-22" WIDTH="980" HEIGHT="23"><String HEIGHT="23" CONTENT="Argentina" WIDTH="106" HPOS="472" VPOS="1174" ID="st2-957"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="584" VPOS="1174" ID="st2-958"/><SP/><String HEIGHT="23" CONTENT="Financial" WIDTH="91" HPOS="632" VPOS="1174" ID="st2-959"/><SP/><String HEIGHT="23" CONTENT="Instability" WIDTH="79" HPOS="730" VPOS="1174" ID="st2-960"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="809" VPOS="1174" ID="st2-961"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="823" VPOS="1174" ID="st2-962"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="837" VPOS="1174" ID="st2-963"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="852" VPOS="1174" ID="st2-964"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="866" VPOS="1174" ID="st2-965"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="880" VPOS="1174" ID="st2-966"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="895" VPOS="1174" ID="st2-967"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="909" VPOS="1174" ID="st2-968"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="924" VPOS="1174" ID="st2-969"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="938" VPOS="1174" ID="st2-970"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="952" VPOS="1174" ID="st2-971"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="967" VPOS="1174" ID="st2-972"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="981" VPOS="1174" ID="st2-973"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="996" VPOS="1174" ID="st2-974"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1010" VPOS="1174" ID="st2-975"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1024" VPOS="1174" ID="st2-976"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1039" VPOS="1174" ID="st2-977"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1053" VPOS="1174" ID="st2-978"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1067" VPOS="1174" ID="st2-979"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1082" VPOS="1174" ID="st2-980"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1096" VPOS="1174" ID="st2-981"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1111" VPOS="1174" ID="st2-982"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1125" VPOS="1174" ID="st2-983"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1139" VPOS="1174" ID="st2-984"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1154" VPOS="1174" ID="st2-985"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1168" VPOS="1174" ID="st2-986"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1182" VPOS="1174" ID="st2-987"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1197" VPOS="1174" ID="st2-988"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1211" VPOS="1174" ID="st2-989"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1226" VPOS="1174" ID="st2-990"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1240" VPOS="1174" ID="st2-991"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1254" VPOS="1174" ID="st2-992"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1269" VPOS="1174" ID="st2-993"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1283" VPOS="1174" ID="st2-994"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1297" VPOS="1174" ID="st2-995"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1312" VPOS="1174" ID="st2-996"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1326" VPOS="1174" ID="st2-997"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1341" VPOS="1174" ID="st2-998"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1355" VPOS="1174" ID="st2-999"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1369" VPOS="1174" ID="st2-1000"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1384" VPOS="1174" ID="st2-1001"/><String HEIGHT="23" CONTENT="." WIDTH="7" HPOS="1398" VPOS="1174" ID="st2-1002"/><SP/><String HEIGHT="23" CONTENT="16" WIDTH="28" HPOS="1424" VPOS="1174" ID="st2-1003"/></TextLine><TextLine HPOS="472" VPOS="1246" ID="tl2-23" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="Conclusion" WIDTH="128" HPOS="472" VPOS="1246" ID="st2-1004"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="606" VPOS="1246" ID="st2-1005"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="619" VPOS="1246" ID="st2-1006"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="633" VPOS="1246" ID="st2-1007"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="647" VPOS="1246" ID="st2-1008"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="661" VPOS="1246" ID="st2-1009"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="675" VPOS="1246" ID="st2-1010"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="689" VPOS="1246" ID="st2-1011"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="703" VPOS="1246" ID="st2-1012"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="717" VPOS="1246" ID="st2-1013"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="731" VPOS="1246" ID="st2-1014"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="745" VPOS="1246" ID="st2-1015"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="759" VPOS="1246" ID="st2-1016"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="772" VPOS="1246" ID="st2-1017"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="786" VPOS="1246" ID="st2-1018"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="800" VPOS="1246" ID="st2-1019"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="814" VPOS="1246" ID="st2-1020"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="828" VPOS="1246" ID="st2-1021"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="842" VPOS="1246" ID="st2-1022"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="856" VPOS="1246" ID="st2-1023"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="870" VPOS="1246" ID="st2-1024"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="884" VPOS="1246" ID="st2-1025"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="898" VPOS="1246" ID="st2-1026"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="912" VPOS="1246" ID="st2-1027"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="926" VPOS="1246" ID="st2-1028"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="939" VPOS="1246" ID="st2-1029"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="953" VPOS="1246" ID="st2-1030"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="967" VPOS="1246" ID="st2-1031"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="981" VPOS="1246" ID="st2-1032"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="995" VPOS="1246" ID="st2-1033"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1009" VPOS="1246" ID="st2-1034"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1023" VPOS="1246" ID="st2-1035"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1037" VPOS="1246" ID="st2-1036"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1051" VPOS="1246" ID="st2-1037"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1065" VPOS="1246" ID="st2-1038"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1079" VPOS="1246" ID="st2-1039"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1092" VPOS="1246" ID="st2-1040"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1106" VPOS="1246" ID="st2-1041"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1120" VPOS="1246" ID="st2-1042"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1134" VPOS="1246" ID="st2-1043"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1148" VPOS="1246" ID="st2-1044"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1162" VPOS="1246" ID="st2-1045"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1176" VPOS="1246" ID="st2-1046"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1190" VPOS="1246" ID="st2-1047"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1204" VPOS="1246" ID="st2-1048"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1218" VPOS="1246" ID="st2-1049"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1232" VPOS="1246" ID="st2-1050"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1246" VPOS="1246" ID="st2-1051"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1259" VPOS="1246" ID="st2-1052"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1273" VPOS="1246" ID="st2-1053"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1287" VPOS="1246" ID="st2-1054"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1301" VPOS="1246" ID="st2-1055"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1315" VPOS="1246" ID="st2-1056"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1329" VPOS="1246" ID="st2-1057"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1343" VPOS="1246" ID="st2-1058"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1357" VPOS="1246" ID="st2-1059"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="1246" ID="st2-1060"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="1246" ID="st2-1061"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="1246" ID="st2-1062"/><SP/><String HEIGHT="24" CONTENT="18" WIDTH="28" HPOS="1424" VPOS="1246" ID="st2-1063"/></TextLine><TextLine HPOS="472" VPOS="1318" ID="tl2-24" WIDTH="980" HEIGHT="24"><String HEIGHT="24" CONTENT="References" WIDTH="127" HPOS="472" VPOS="1318" ID="st2-1064"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="599" VPOS="1318" ID="st2-1065"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="612" VPOS="1318" ID="st2-1066"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="626" VPOS="1318" ID="st2-1067"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="640" VPOS="1318" ID="st2-1068"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="654" VPOS="1318" ID="st2-1069"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="667" VPOS="1318" ID="st2-1070"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="681" VPOS="1318" ID="st2-1071"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="695" VPOS="1318" ID="st2-1072"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="709" VPOS="1318" ID="st2-1073"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="723" VPOS="1318" ID="st2-1074"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="736" VPOS="1318" ID="st2-1075"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="750" VPOS="1318" ID="st2-1076"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="764" VPOS="1318" ID="st2-1077"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="778" VPOS="1318" ID="st2-1078"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="792" VPOS="1318" ID="st2-1079"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="805" VPOS="1318" ID="st2-1080"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="819" VPOS="1318" ID="st2-1081"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="833" VPOS="1318" ID="st2-1082"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="847" VPOS="1318" ID="st2-1083"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="861" VPOS="1318" ID="st2-1084"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="874" VPOS="1318" ID="st2-1085"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="888" VPOS="1318" ID="st2-1086"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="902" VPOS="1318" ID="st2-1087"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="916" VPOS="1318" ID="st2-1088"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="930" VPOS="1318" ID="st2-1089"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="943" VPOS="1318" ID="st2-1090"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="957" VPOS="1318" ID="st2-1091"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="971" VPOS="1318" ID="st2-1092"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="985" VPOS="1318" ID="st2-1093"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="999" VPOS="1318" ID="st2-1094"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1012" VPOS="1318" ID="st2-1095"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1026" VPOS="1318" ID="st2-1096"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1040" VPOS="1318" ID="st2-1097"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1054" VPOS="1318" ID="st2-1098"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1068" VPOS="1318" ID="st2-1099"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1081" VPOS="1318" ID="st2-1100"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1095" VPOS="1318" ID="st2-1101"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1109" VPOS="1318" ID="st2-1102"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1123" VPOS="1318" ID="st2-1103"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1137" VPOS="1318" ID="st2-1104"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1150" VPOS="1318" ID="st2-1105"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1164" VPOS="1318" ID="st2-1106"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1178" VPOS="1318" ID="st2-1107"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1192" VPOS="1318" ID="st2-1108"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1206" VPOS="1318" ID="st2-1109"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1219" VPOS="1318" ID="st2-1110"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1233" VPOS="1318" ID="st2-1111"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1247" VPOS="1318" ID="st2-1112"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1261" VPOS="1318" ID="st2-1113"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1275" VPOS="1318" ID="st2-1114"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1288" VPOS="1318" ID="st2-1115"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1302" VPOS="1318" ID="st2-1116"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1316" VPOS="1318" ID="st2-1117"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1330" VPOS="1318" ID="st2-1118"/><String HEIGHT="24" CONTENT="." WIDTH="6" HPOS="1344" VPOS="1318" ID="st2-1119"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1357" VPOS="1318" ID="st2-1120"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1371" VPOS="1318" ID="st2-1121"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1385" VPOS="1318" ID="st2-1122"/><String HEIGHT="24" CONTENT="." WIDTH="7" HPOS="1399" VPOS="1318" ID="st2-1123"/><SP/><String HEIGHT="24" CONTENT="20" WIDTH="28" HPOS="1424" VPOS="1318" ID="st2-1124"/></TextLine><TextLine HPOS="818" VPOS="2254" ID="tl2-25" WIDTH="16" HEIGHT="28"><String HEIGHT="28" CONTENT="1" WIDTH="16" HPOS="818" VPOS="2254" ID="st2-1125"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="3" ID="p840442" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840442" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840442" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl3-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st3-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st3-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st3-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st3-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st3-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st3-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st3-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st3-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st3-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st3-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st3-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st3-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st3-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st3-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st3-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st3-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st3-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st3-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st3-18"/></TextLine><TextLine HPOS="607" VPOS="299" ID="tl3-1" WIDTH="188" HEIGHT="35"><String HEIGHT="35" CONTENT="Introduction" WIDTH="188" HPOS="607" VPOS="299" ID="st3-19"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl3-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="196" VPOS="379" ID="st3-20"/><SP/><String HEIGHT="24" CONTENT="paper" WIDTH="61" HPOS="244" VPOS="379" ID="st3-21"/><SP/><String HEIGHT="24" CONTENT="examines" WIDTH="99" HPOS="310" VPOS="379" ID="st3-22"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="414" VPOS="379" ID="st3-23"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="55" HPOS="455" VPOS="379" ID="st3-24"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="516" VPOS="379" ID="st3-25"/><SP/><String HEIGHT="24" CONTENT="engaging" WIDTH="100" HPOS="543" VPOS="379" ID="st3-26"/><SP/><String HEIGHT="24" CONTENT="finance" WIDTH="78" HPOS="649" VPOS="379" ID="st3-27"/><SP/><String HEIGHT="24" CONTENT="work" WIDTH="51" HPOS="732" VPOS="379" ID="st3-28" SUBS_TYPE="HypPart1" SUBS_CONTENT="workers"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="379" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl3-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ers" WIDTH="31" HPOS="196" VPOS="415" ID="st3-29" SUBS_TYPE="HypPart2" SUBS_CONTENT="workers"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="233" VPOS="415" ID="st3-30"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="69" HPOS="258" VPOS="415" ID="st3-31"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="333" VPOS="415" ID="st3-32"/><SP/><String HEIGHT="24" CONTENT="manage" WIDTH="86" HPOS="361" VPOS="415" ID="st3-33"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="453" VPOS="415" ID="st3-34"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="495" VPOS="415" ID="st3-35"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="520" VPOS="415" ID="st3-36"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="66" HPOS="560" VPOS="415" ID="st3-37"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="88" HPOS="632" VPOS="415" ID="st3-38"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="59" HPOS="726" VPOS="415" ID="st3-39"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="785" VPOS="415" ID="st3-40"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl3-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Regulators" WIDTH="113" HPOS="196" VPOS="451" ID="st3-41"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="318" VPOS="451" ID="st3-42"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="367" VPOS="451" ID="st3-43"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="517" VPOS="451" ID="st3-44"/><SP/><String HEIGHT="24" CONTENT="continue" WIDTH="93" HPOS="576" VPOS="451" ID="st3-45"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="678" VPOS="451" ID="st3-46"/><SP/><String HEIGHT="24" CONTENT="struggle" WIDTH="86" HPOS="709" VPOS="451" ID="st3-47"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl3-5" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="196" VPOS="488" ID="st3-48"/><SP/><String HEIGHT="23" CONTENT="sufficiently" WIDTH="115" HPOS="231" VPOS="488" ID="st3-49"/><SP/><String HEIGHT="23" CONTENT="oversee" WIDTH="81" HPOS="359" VPOS="488" ID="st3-50"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="453" VPOS="488" ID="st3-51"/><SP/><String HEIGHT="23" CONTENT="mitigate" WIDTH="88" HPOS="506" VPOS="488" ID="st3-52"/><SP/><String HEIGHT="23" CONTENT="risk" WIDTH="36" HPOS="607" VPOS="488" ID="st3-53"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="656" VPOS="488" ID="st3-54"/><SP/><String HEIGHT="23" CONTENT="large" WIDTH="53" HPOS="689" VPOS="488" ID="st3-55"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="755" VPOS="488" ID="st3-56"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl3-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="highly" WIDTH="64" HPOS="196" VPOS="524" ID="st3-57"/><SP/><String HEIGHT="23" CONTENT="complex" WIDTH="88" HPOS="271" VPOS="524" ID="st3-58"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="370" VPOS="524" ID="st3-59"/><SP/><String HEIGHT="23" CONTENT="institutions" WIDTH="114" HPOS="469" VPOS="524" ID="st3-60"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="583" VPOS="524" ID="st3-61"/><SP/><String HEIGHT="23" CONTENT="As" WIDTH="26" HPOS="603" VPOS="524" ID="st3-62"/><SP/><String HEIGHT="23" CONTENT="explored" WIDTH="91" HPOS="640" VPOS="524" ID="st3-63"/><SP/><String HEIGHT="23" CONTENT="here" WIDTH="43" HPOS="741" VPOS="524" ID="st3-64"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="784" VPOS="524" ID="st3-65"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl3-7" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="empowered" WIDTH="128" HPOS="196" VPOS="560" ID="st3-66"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="334" VPOS="560" ID="st3-67"/><SP/><String HEIGHT="24" CONTENT="organized" WIDTH="106" HPOS="384" VPOS="560" ID="st3-68"/><SP/><String HEIGHT="24" CONTENT="finance" WIDTH="78" HPOS="500" VPOS="560" ID="st3-69"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="588" VPOS="560" ID="st3-70"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="682" VPOS="560" ID="st3-71"/><SP/><String HEIGHT="24" CONTENT="create" WIDTH="65" HPOS="730" VPOS="560" ID="st3-72"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl3-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="196" VPOS="596" ID="st3-73"/><SP/><String HEIGHT="24" CONTENT="form" WIDTH="51" HPOS="221" VPOS="596" ID="st3-74"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="284" VPOS="596" ID="st3-75"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="319" VPOS="596" ID="st3-76"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="330" VPOS="596" ID="st3-77"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="453" VPOS="596" ID="st3-78"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="66" HPOS="516" VPOS="596" ID="st3-79"/><String HEIGHT="24" CONTENT="«" WIDTH="14" HPOS="582" VPOS="596" ID="st3-80"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="608" VPOS="596" ID="st3-81"/><SP/><String HEIGHT="24" CONTENT="substantially" WIDTH="132" HPOS="663" VPOS="596" ID="st3-82"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl3-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="aids" WIDTH="42" HPOS="196" VPOS="632" ID="st3-83"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="251" VPOS="632" ID="st3-84"/><SP/><String HEIGHT="24" CONTENT="augments" WIDTH="106" HPOS="304" VPOS="632" ID="st3-85"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="37" HPOS="422" VPOS="632" ID="st3-86"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="143" HPOS="471" VPOS="632" ID="st3-87"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="626" VPOS="632" ID="st3-88"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="658" VPOS="632" ID="st3-89"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="90" HPOS="705" VPOS="632" ID="st3-90"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl3-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="sector" WIDTH="59" HPOS="196" VPOS="668" ID="st3-91"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="255" VPOS="668" ID="st3-92"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="277" VPOS="668" ID="st3-93"/><SP/><String HEIGHT="24" CONTENT="paper" WIDTH="61" HPOS="331" VPOS="668" ID="st3-94"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="404" VPOS="668" ID="st3-95"/><SP/><String HEIGHT="24" CONTENT="focus" WIDTH="57" HPOS="452" VPOS="668" ID="st3-96"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="521" VPOS="668" ID="st3-97"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="560" VPOS="668" ID="st3-98"/><SP/><String HEIGHT="24" CONTENT="particularly" WIDTH="117" HPOS="607" VPOS="668" ID="st3-99"/><SP/><String HEIGHT="24" CONTENT="acute" WIDTH="59" HPOS="736" VPOS="668" ID="st3-100"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl3-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="need" WIDTH="53" HPOS="196" VPOS="704" ID="st3-101"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="258" VPOS="704" ID="st3-102"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="298" VPOS="704" ID="st3-103"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="309" VPOS="704" ID="st3-104"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="429" VPOS="704" ID="st3-105"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="65" HPOS="490" VPOS="704" ID="st3-106"/><String HEIGHT="24" CONTENT="«" WIDTH="14" HPOS="555" VPOS="704" ID="st3-107"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="578" VPOS="704" ID="st3-108"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="607" VPOS="704" ID="st3-109"/><SP/><String HEIGHT="24" CONTENT="United" WIDTH="71" HPOS="651" VPOS="704" ID="st3-110"/><SP/><String HEIGHT="24" CONTENT="States" WIDTH="64" HPOS="731" VPOS="704" ID="st3-111"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl3-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="196" VPOS="740" ID="st3-112"/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="205" VPOS="740" ID="st3-113"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="215" VPOS="740" ID="st3-114"/><String HEIGHT="24" CONTENT="S" WIDTH="10" HPOS="224" VPOS="740" ID="st3-115"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="234" VPOS="740" ID="st3-116"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="243" VPOS="740" ID="st3-117"/><SP/><String HEIGHT="24" CONTENT="context" WIDTH="79" HPOS="263" VPOS="740" ID="st3-118"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="352" VPOS="740" ID="st3-119"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="402" VPOS="740" ID="st3-120"/><SP/><String HEIGHT="24" CONTENT="highlight" WIDTH="94" HPOS="448" VPOS="740" ID="st3-121"/><SP/><String HEIGHT="24" CONTENT="successful" WIDTH="105" HPOS="552" VPOS="740" ID="st3-122"/><SP/><String HEIGHT="24" CONTENT="examples" WIDTH="99" HPOS="667" VPOS="740" ID="st3-123"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="740" ID="st3-124"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl3-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="other" WIDTH="57" HPOS="196" VPOS="776" ID="st3-125"/><SP/><String HEIGHT="24" CONTENT="countries" WIDTH="93" HPOS="261" VPOS="776" ID="st3-126"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="354" VPOS="776" ID="st3-127"/><SP/><String HEIGHT="24" CONTENT="Firm" WIDTH="46" HPOS="373" VPOS="776" ID="st3-128"/><SP/><String HEIGHT="24" CONTENT="managers" WIDTH="104" HPOS="426" VPOS="776" ID="st3-129"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="538" VPOS="776" ID="st3-130"/><SP/><String HEIGHT="24" CONTENT="directors" WIDTH="88" HPOS="586" VPOS="776" ID="st3-131"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="674" VPOS="776" ID="st3-132"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="692" VPOS="776" ID="st3-133"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="722" VPOS="776" ID="st3-134"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="773" VPOS="776" ID="st3-135"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl3-14" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="policy" WIDTH="61" HPOS="196" VPOS="813" ID="st3-136"/><SP/><String HEIGHT="23" CONTENT="makers" WIDTH="76" HPOS="269" VPOS="813" ID="st3-137"/><SP/><String HEIGHT="23" CONTENT="at" WIDTH="21" HPOS="356" VPOS="813" ID="st3-138"/><SP/><String HEIGHT="23" CONTENT="all" WIDTH="24" HPOS="388" VPOS="813" ID="st3-139"/><SP/><String HEIGHT="23" CONTENT="levels" WIDTH="54" HPOS="423" VPOS="813" ID="st3-140"/><String HEIGHT="23" CONTENT="," WIDTH="9" HPOS="477" VPOS="813" ID="st3-141"/><SP/><String HEIGHT="23" CONTENT="should" WIDTH="70" HPOS="498" VPOS="813" ID="st3-142"/><SP/><String HEIGHT="23" CONTENT="consider" WIDTH="88" HPOS="580" VPOS="813" ID="st3-143"/><SP/><String HEIGHT="23" CONTENT="this" WIDTH="37" HPOS="680" VPOS="813" ID="st3-144"/><SP/><String HEIGHT="23" CONTENT="model" WIDTH="67" HPOS="728" VPOS="813" ID="st3-145"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl3-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="as" WIDTH="23" HPOS="196" VPOS="849" ID="st3-146"/><SP/><String HEIGHT="23" CONTENT="an" WIDTH="27" HPOS="229" VPOS="849" ID="st3-147"/><SP/><String HEIGHT="23" CONTENT="important" WIDTH="105" HPOS="267" VPOS="849" ID="st3-148"/><SP/><String HEIGHT="23" CONTENT="component" WIDTH="123" HPOS="383" VPOS="849" ID="st3-149"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="516" VPOS="849" ID="st3-150"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="550" VPOS="849" ID="st3-151"/><SP/><String HEIGHT="23" CONTENT="policy" WIDTH="61" HPOS="573" VPOS="849" ID="st3-152"/><SP/><String HEIGHT="23" CONTENT="framework" WIDTH="117" HPOS="645" VPOS="849" ID="st3-153"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="773" VPOS="849" ID="st3-154"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl3-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="strengthen" WIDTH="115" HPOS="196" VPOS="885" ID="st3-155"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="320" VPOS="885" ID="st3-156"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="364" VPOS="885" ID="st3-157"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="514" VPOS="885" ID="st3-158"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="542" VPOS="885" ID="st3-159"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="585" VPOS="885" ID="st3-160"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="682" VPOS="885" ID="st3-161"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="755" VPOS="885" ID="st3-162"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl3-17" WIDTH="292" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="921" ID="st3-163"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="97" HPOS="238" VPOS="921" ID="st3-164"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="342" VPOS="921" ID="st3-165"/><SP/><String HEIGHT="24" CONTENT="broadly" WIDTH="73" HPOS="404" VPOS="921" ID="st3-166"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="477" VPOS="921" ID="st3-167"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl3-18" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="196" VPOS="993" ID="st3-168"/><SP/><String HEIGHT="24" CONTENT="recent" WIDTH="65" HPOS="220" VPOS="993" ID="st3-169"/><SP/><String HEIGHT="24" CONTENT="several" WIDTH="72" HPOS="289" VPOS="993" ID="st3-170"/><SP/><String HEIGHT="24" CONTENT="decades" WIDTH="85" HPOS="365" VPOS="993" ID="st3-171"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="454" VPOS="993" ID="st3-172"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="88" HPOS="492" VPOS="993" ID="st3-173"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="584" VPOS="993" ID="st3-174"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="35" HPOS="652" VPOS="993" ID="st3-175"/><SP/><String HEIGHT="24" CONTENT="expanded" WIDTH="104" HPOS="691" VPOS="993" ID="st3-176"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl3-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="rapidly" WIDTH="66" HPOS="196" VPOS="1029" ID="st3-177"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="262" VPOS="1029" ID="st3-178"/><SP/><String HEIGHT="24" CONTENT="Complex" WIDTH="95" HPOS="278" VPOS="1029" ID="st3-179"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="379" VPOS="1029" ID="st3-180"/><SP/><String HEIGHT="24" CONTENT="risky" WIDTH="47" HPOS="426" VPOS="1029" ID="st3-181"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="479" VPOS="1029" ID="st3-182"/><SP/><String HEIGHT="24" CONTENT="products" WIDTH="93" HPOS="574" VPOS="1029" ID="st3-183"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="673" VPOS="1029" ID="st3-184"/><SP/><String HEIGHT="24" CONTENT="driven" WIDTH="65" HPOS="730" VPOS="1029" ID="st3-185"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl3-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="profitability" WIDTH="121" HPOS="196" VPOS="1065" ID="st3-186"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="325" VPOS="1065" ID="st3-187"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="353" VPOS="1065" ID="st3-188"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="396" VPOS="1065" ID="st3-189"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="493" VPOS="1065" ID="st3-190"/><SP/><String HEIGHT="24" CONTENT="while" WIDTH="57" HPOS="565" VPOS="1065" ID="st3-191"/><SP/><String HEIGHT="24" CONTENT="leaving" WIDTH="75" HPOS="630" VPOS="1065" ID="st3-192"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="713" VPOS="1065" ID="st3-193"/><SP/><String HEIGHT="24" CONTENT="real" WIDTH="39" HPOS="756" VPOS="1065" ID="st3-194"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl3-21" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="economy" WIDTH="96" HPOS="196" VPOS="1101" ID="st3-195"/><String HEIGHT="24" CONTENT="—" WIDTH="14" HPOS="292" VPOS="1101" ID="st3-196"/><String HEIGHT="24" CONTENT="that" WIDTH="56" HPOS="306" VPOS="1101" ID="st3-197"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="14" HPOS="371" VPOS="1101" ID="st3-198"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="385" VPOS="1101" ID="st3-199"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="403" VPOS="1101" ID="st3-200"/><SP/><String HEIGHT="24" CONTENT="part" WIDTH="44" HPOS="447" VPOS="1101" ID="st3-201"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="500" VPOS="1101" ID="st3-202"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="532" VPOS="1101" ID="st3-203"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="98" HPOS="576" VPOS="1101" ID="st3-204"/><SP/><String HEIGHT="24" CONTENT="concerned" WIDTH="112" HPOS="683" VPOS="1101" ID="st3-205"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl3-22" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="with" WIDTH="48" HPOS="196" VPOS="1138" ID="st3-206"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="251" VPOS="1138" ID="st3-207"/><SP/><String HEIGHT="23" CONTENT="actual" WIDTH="64" HPOS="293" VPOS="1138" ID="st3-208"/><SP/><String HEIGHT="23" CONTENT="production" WIDTH="116" HPOS="364" VPOS="1138" ID="st3-209"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="487" VPOS="1138" ID="st3-210"/><SP/><String HEIGHT="23" CONTENT="goods" WIDTH="65" HPOS="517" VPOS="1138" ID="st3-211"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="589" VPOS="1138" ID="st3-212"/><SP/><String HEIGHT="23" CONTENT="s­" WIDTH="8" HPOS="636" VPOS="1138" ID="st3-213"/><SP/><String HEIGHT="23" CONTENT="ervices" WIDTH="80" HPOS="646" VPOS="1138" ID="st3-214"/><String HEIGHT="23" CONTENT="—" WIDTH="11" HPOS="726" VPOS="1138" ID="st3-215"/><String HEIGHT="23" CONTENT="over" WIDTH="47" HPOS="737" VPOS="1138" ID="st3-216" SUBS_TYPE="HypPart1" SUBS_CONTENT="overleveraged"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1138" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl3-23" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="leveraged" WIDTH="99" HPOS="196" VPOS="1174" ID="st3-217" SUBS_TYPE="HypPart2" SUBS_CONTENT="overleveraged"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="295" VPOS="1174" ID="st3-218"/><SP/><String HEIGHT="23" CONTENT="undercapitalized" WIDTH="171" HPOS="318" VPOS="1174" ID="st3-219"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="489" VPOS="1174" ID="st3-220"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="511" VPOS="1174" ID="st3-221"/><SP/><String HEIGHT="23" CONTENT="increasingly" WIDTH="124" HPOS="562" VPOS="1174" ID="st3-222"/><SP/><String HEIGHT="23" CONTENT="unstable" WIDTH="87" HPOS="697" VPOS="1174" ID="st3-223"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="784" VPOS="1174" ID="st3-224"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl3-24" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="196" VPOS="1210" ID="st3-225"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="247" VPOS="1210" ID="st3-226"/><SP/><String HEIGHT="24" CONTENT="failure" WIDTH="66" HPOS="334" VPOS="1210" ID="st3-227"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="412" VPOS="1210" ID="st3-228"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="56" HPOS="446" VPOS="1210" ID="st3-229"/><SP/><String HEIGHT="24" CONTENT="demonstrated" WIDTH="150" HPOS="513" VPOS="1210" ID="st3-230"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="674" VPOS="1210" ID="st3-231"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="729" VPOS="1210" ID="st3-232"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1210" ID="st3-233"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl3-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="absence" WIDTH="86" HPOS="196" VPOS="1246" ID="st3-234"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="291" VPOS="1246" ID="st3-235"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="90" HPOS="321" VPOS="1246" ID="st3-236"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="108" HPOS="419" VPOS="1246" ID="st3-237"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="536" VPOS="1246" ID="st3-238"/><SP/><String HEIGHT="24" CONTENT="countervailing" WIDTH="150" HPOS="566" VPOS="1246" ID="st3-239"/><SP/><String HEIGHT="24" CONTENT="forces" WIDTH="60" HPOS="724" VPOS="1246" ID="st3-240"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="1246" ID="st3-241"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl3-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1282" ID="st3-242"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="241" VPOS="1282" ID="st3-243"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="339" VPOS="1282" ID="st3-244"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="413" VPOS="1282" ID="st3-245"/><SP/><String HEIGHT="24" CONTENT="prioritize" WIDTH="93" HPOS="459" VPOS="1282" ID="st3-246"/><SP/><String HEIGHT="24" CONTENT="short" WIDTH="56" HPOS="561" VPOS="1282" ID="st3-247"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="617" VPOS="1282" ID="st3-248"/><String HEIGHT="24" CONTENT="term" WIDTH="46" HPOS="628" VPOS="1282" ID="st3-249"/><SP/><String HEIGHT="24" CONTENT="gains" WIDTH="55" HPOS="684" VPOS="1282" ID="st3-250"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="749" VPOS="1282" ID="st3-251"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl3-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="long" WIDTH="47" HPOS="196" VPOS="1318" ID="st3-252"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="243" VPOS="1318" ID="st3-253"/><String HEIGHT="24" CONTENT="term" WIDTH="48" HPOS="255" VPOS="1318" ID="st3-254"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="77" HPOS="316" VPOS="1318" ID="st3-255"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="406" VPOS="1318" ID="st3-256"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="78" HPOS="459" VPOS="1318" ID="st3-257"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="537" VPOS="1318" ID="st3-258"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="558" VPOS="1318" ID="st3-259"/><SP/><String HEIGHT="24" CONTENT="consequences" WIDTH="150" HPOS="610" VPOS="1318" ID="st3-260"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1318" ID="st3-261"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl3-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="196" VPOS="1354" ID="st3-262"/><SP/><String HEIGHT="24" CONTENT="failure" WIDTH="66" HPOS="243" VPOS="1354" ID="st3-263"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="317" VPOS="1354" ID="st3-264"/><SP/><String HEIGHT="24" CONTENT="borne" WIDTH="63" HPOS="378" VPOS="1354" ID="st3-265"/><SP/><String HEIGHT="24" CONTENT="largely" WIDTH="69" HPOS="450" VPOS="1354" ID="st3-266"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="528" VPOS="1354" ID="st3-267"/><SP/><String HEIGHT="24" CONTENT="people" WIDTH="72" HPOS="562" VPOS="1354" ID="st3-268"/><SP/><String HEIGHT="24" CONTENT="who" WIDTH="47" HPOS="643" VPOS="1354" ID="st3-269"/><SP/><String HEIGHT="24" CONTENT="lost" WIDTH="37" HPOS="699" VPOS="1354" ID="st3-270"/><SP/><String HEIGHT="24" CONTENT="jobs" WIDTH="40" HPOS="745" VPOS="1354" ID="st3-271"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="785" VPOS="1354" ID="st3-272"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl3-29" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="retirement" WIDTH="111" HPOS="196" VPOS="1390" ID="st3-273"/><SP/><String HEIGHT="24" CONTENT="savings" WIDTH="72" HPOS="314" VPOS="1390" ID="st3-274"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="386" VPOS="1390" ID="st3-275"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="404" VPOS="1390" ID="st3-276"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="452" VPOS="1390" ID="st3-277"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="80" HPOS="494" VPOS="1390" ID="st3-278"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="581" VPOS="1390" ID="st3-279"/><SP/><String HEIGHT="24" CONTENT="security" WIDTH="81" HPOS="629" VPOS="1390" ID="st3-280"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="717" VPOS="1390" ID="st3-281"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="746" VPOS="1390" ID="st3-282"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl3-30" WIDTH="370" HEIGHT="24"><String HEIGHT="24" CONTENT="homes" WIDTH="71" HPOS="196" VPOS="1426" ID="st3-283"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="274" VPOS="1426" ID="st3-284"/><String HEIGHT="24" CONTENT="Johnson" WIDTH="84" HPOS="285" VPOS="1426" ID="st3-285"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="376" VPOS="1426" ID="st3-286"/><SP/><String HEIGHT="24" CONTENT="Kwak" WIDTH="53" HPOS="423" VPOS="1426" ID="st3-287"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="476" VPOS="1426" ID="st3-288"/><SP/><String HEIGHT="24" CONTENT="2010" WIDTH="46" HPOS="496" VPOS="1426" ID="st3-289"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="542" VPOS="1426" ID="st3-290"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="554" VPOS="1426" ID="st3-291"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl3-31" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="Ten" WIDTH="36" HPOS="196" VPOS="1499" ID="st3-292"/><SP/><String HEIGHT="23" CONTENT="years" WIDTH="54" HPOS="241" VPOS="1499" ID="st3-293"/><SP/><String HEIGHT="23" CONTENT="after" WIDTH="50" HPOS="303" VPOS="1499" ID="st3-294"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="362" VPOS="1499" ID="st3-295"/><SP/><String HEIGHT="23" CONTENT="crisis" WIDTH="48" HPOS="405" VPOS="1499" ID="st3-296"/><String HEIGHT="23" CONTENT="," WIDTH="9" HPOS="453" VPOS="1499" ID="st3-297"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="470" VPOS="1499" ID="st3-298"/><SP/><String HEIGHT="23" CONTENT="need" WIDTH="53" HPOS="513" VPOS="1499" ID="st3-299"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="30" HPOS="575" VPOS="1499" ID="st3-300"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="614" VPOS="1499" ID="st3-301"/><String HEIGHT="23" CONTENT="regulation" WIDTH="110" HPOS="625" VPOS="1499" ID="st3-302"/><SP/><String HEIGHT="23" CONTENT="from" WIDTH="51" HPOS="744" VPOS="1499" ID="st3-303"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl3-32" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="below" WIDTH="66" HPOS="196" VPOS="1535" ID="st3-304"/><String HEIGHT="24" CONTENT="«" WIDTH="14" HPOS="262" VPOS="1535" ID="st3-305"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="32" HPOS="283" VPOS="1535" ID="st3-306"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="315" VPOS="1535" ID="st3-307"/><SP/><String HEIGHT="24" CONTENT="if" WIDTH="14" HPOS="333" VPOS="1535" ID="st3-308"/><SP/><String HEIGHT="24" CONTENT="anything" WIDTH="88" HPOS="354" VPOS="1535" ID="st3-309"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="442" VPOS="1535" ID="st3-310"/><SP/><String HEIGHT="24" CONTENT="grown" WIDTH="63" HPOS="462" VPOS="1535" ID="st3-311"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="525" VPOS="1535" ID="st3-312"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="545" VPOS="1535" ID="st3-313"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="600" VPOS="1535" ID="st3-314"/><SP/><String HEIGHT="24" CONTENT="world" WIDTH="53" HPOS="642" VPOS="1535" ID="st3-315"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="695" VPOS="1535" ID="st3-316"/><String HEIGHT="24" CONTENT="s" WIDTH="11" HPOS="706" VPOS="1535" ID="st3-317"/><SP/><String HEIGHT="24" CONTENT="largest" WIDTH="71" HPOS="724" VPOS="1535" ID="st3-318"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl3-33" WIDTH="391" HEIGHT="24"><String HEIGHT="24" CONTENT="banks" WIDTH="58" HPOS="196" VPOS="1571" ID="st3-319"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="254" VPOS="1571" ID="st3-320"/><SP/><String HEIGHT="24" CONTENT="including" WIDTH="98" HPOS="273" VPOS="1571" ID="st3-321"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="378" VPOS="1571" ID="st3-322"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="9" HPOS="420" VPOS="1571" ID="st3-323"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="429" VPOS="1571" ID="st3-324"/><String HEIGHT="24" CONTENT="S" WIDTH="9" HPOS="439" VPOS="1571" ID="st3-325"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="448" VPOS="1571" ID="st3-326"/><String HEIGHT="24" CONTENT="’" WIDTH="9" HPOS="458" VPOS="1571" ID="st3-327"/><String HEIGHT="24" CONTENT="s" WIDTH="10" HPOS="467" VPOS="1571" ID="st3-328"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="485" VPOS="1571" ID="st3-329"/><String HEIGHT="24" CONTENT="big" WIDTH="36" HPOS="496" VPOS="1571" ID="st3-330"/><SP/><String HEIGHT="24" CONTENT="six" WIDTH="28" HPOS="539" VPOS="1571" ID="st3-331"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="567" VPOS="1571" ID="st3-332"/><String HEIGHT="24" CONTENT="«" WIDTH="10" HPOS="577" VPOS="1571" ID="st3-333"/></TextLine><TextLine HPOS="587" VPOS="1570" ID="tl3-34" WIDTH="8" HEIGHT="14"><String HEIGHT="14" CONTENT="1" WIDTH="8" HPOS="587" VPOS="1570" ID="st3-334"/></TextLine><TextLine HPOS="602" VPOS="1571" ID="tl3-35" WIDTH="193" HEIGHT="24"><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="602" VPOS="1571" ID="st3-335"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="671" VPOS="1571" ID="st3-336"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="767" VPOS="1571" ID="st3-337" SUBS_TYPE="HypPart1" SUBS_CONTENT="institutions"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="1571" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl3-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="stitutions" WIDTH="97" HPOS="196" VPOS="1607" ID="st3-338" SUBS_TYPE="HypPart2" SUBS_CONTENT="institutions"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="299" VPOS="1607" ID="st3-339"/><SP/><String HEIGHT="24" CONTENT="larger" WIDTH="56" HPOS="337" VPOS="1607" ID="st3-340"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="393" VPOS="1607" ID="st3-341"/><SP/><String HEIGHT="24" CONTENT="less" WIDTH="37" HPOS="408" VPOS="1607" ID="st3-342"/><SP/><String HEIGHT="24" CONTENT="safe" WIDTH="40" HPOS="451" VPOS="1607" ID="st3-343"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="491" VPOS="1607" ID="st3-344"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="506" VPOS="1607" ID="st3-345"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="552" VPOS="1607" ID="st3-346"/><SP/><String HEIGHT="24" CONTENT="volatile" WIDTH="75" HPOS="612" VPOS="1607" ID="st3-347"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="692" VPOS="1607" ID="st3-348"/><SP/><String HEIGHT="24" CONTENT="ever" WIDTH="39" HPOS="746" VPOS="1607" ID="st3-349"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="785" VPOS="1607" ID="st3-350"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl3-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="according" WIDTH="105" HPOS="196" VPOS="1643" ID="st3-351"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="314" VPOS="1643" ID="st3-352"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="76" HPOS="349" VPOS="1643" ID="st3-353"/><SP/><String HEIGHT="24" CONTENT="conditions" WIDTH="111" HPOS="438" VPOS="1643" ID="st3-354"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="562" VPOS="1643" ID="st3-355"/><String HEIGHT="24" CONTENT="Sarin" WIDTH="50" HPOS="572" VPOS="1643" ID="st3-356"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="635" VPOS="1643" ID="st3-357"/><SP/><String HEIGHT="24" CONTENT="Summers" WIDTH="92" HPOS="689" VPOS="1643" ID="st3-358"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="781" VPOS="1643" ID="st3-359"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl3-38" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="196" VPOS="1679" ID="st3-360"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="242" VPOS="1679" ID="st3-361"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="254" VPOS="1679" ID="st3-362"/><SP/><String HEIGHT="24" CONTENT="Moreover" WIDTH="96" HPOS="277" VPOS="1679" ID="st3-363"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="373" VPOS="1679" ID="st3-364"/><SP/><String HEIGHT="24" CONTENT="legislation" WIDTH="107" HPOS="396" VPOS="1679" ID="st3-365"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="515" VPOS="1679" ID="st3-366"/><SP/><String HEIGHT="24" CONTENT="prudential" WIDTH="109" HPOS="566" VPOS="1679" ID="st3-367"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="109" HPOS="686" VPOS="1679" ID="st3-368"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl3-39" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="established" WIDTH="119" HPOS="196" VPOS="1715" ID="st3-369"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="329" VPOS="1715" ID="st3-370"/><SP/><String HEIGHT="24" CONTENT="safeguard" WIDTH="106" HPOS="365" VPOS="1715" ID="st3-371"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="104" HPOS="484" VPOS="1715" ID="st3-372"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="81" HPOS="601" VPOS="1715" ID="st3-373"/><SP/><String HEIGHT="24" CONTENT="after" WIDTH="50" HPOS="696" VPOS="1715" ID="st3-374"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1715" ID="st3-375"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl3-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="economic" WIDTH="103" HPOS="196" VPOS="1751" ID="st3-376"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="50" HPOS="305" VPOS="1751" ID="st3-377"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="361" VPOS="1751" ID="st3-378"/><SP/><String HEIGHT="24" CONTENT="being" WIDTH="60" HPOS="382" VPOS="1751" ID="st3-379"/><SP/><String HEIGHT="24" CONTENT="weakened" WIDTH="109" HPOS="448" VPOS="1751" ID="st3-380"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="563" VPOS="1751" ID="st3-381"/><SP/><String HEIGHT="24" CONTENT="repealed" WIDTH="92" HPOS="591" VPOS="1751" ID="st3-382"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="688" VPOS="1751" ID="st3-383"/><String HEIGHT="24" CONTENT="Tracy" WIDTH="51" HPOS="698" VPOS="1751" ID="st3-384"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="754" VPOS="1751" ID="st3-385"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl3-41" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="Ackerman" WIDTH="103" HPOS="196" VPOS="1788" ID="st3-386"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="299" VPOS="1788" ID="st3-387"/><SP/><String HEIGHT="23" CONTENT="2018" WIDTH="46" HPOS="321" VPOS="1788" ID="st3-388"/><String HEIGHT="23" CONTENT=")" WIDTH="12" HPOS="367" VPOS="1788" ID="st3-389"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="379" VPOS="1788" ID="st3-390"/><SP/><String HEIGHT="23" CONTENT="Once" WIDTH="55" HPOS="401" VPOS="1788" ID="st3-391"/><SP/><String HEIGHT="23" CONTENT="again" WIDTH="54" HPOS="466" VPOS="1788" ID="st3-392"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="520" VPOS="1788" ID="st3-393"/><SP/><String HEIGHT="23" CONTENT="conventional" WIDTH="136" HPOS="541" VPOS="1788" ID="st3-394"/><SP/><String HEIGHT="23" CONTENT="regulation" WIDTH="108" HPOS="687" VPOS="1788" ID="st3-395"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl3-42" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="seems" WIDTH="66" HPOS="196" VPOS="1824" ID="st3-396"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="269" VPOS="1824" ID="st3-397"/><SP/><String HEIGHT="23" CONTENT="be" WIDTH="26" HPOS="298" VPOS="1824" ID="st3-398"/><SP/><String HEIGHT="23" CONTENT="unable" WIDTH="73" HPOS="331" VPOS="1824" ID="st3-399"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="411" VPOS="1824" ID="st3-400"/><SP/><String HEIGHT="23" CONTENT="constrain" WIDTH="97" HPOS="440" VPOS="1824" ID="st3-401"/><SP/><String HEIGHT="23" CONTENT="risky" WIDTH="48" HPOS="544" VPOS="1824" ID="st3-402"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="52" HPOS="599" VPOS="1824" ID="st3-403"/><SP/><String HEIGHT="23" CONTENT="conduct" WIDTH="86" HPOS="659" VPOS="1824" ID="st3-404"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="752" VPOS="1824" ID="st3-405"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl3-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="196" VPOS="1860" ID="st3-406"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="37" HPOS="220" VPOS="1860" ID="st3-407"/><SP/><String HEIGHT="24" CONTENT="only" WIDTH="45" HPOS="265" VPOS="1860" ID="st3-408"/><SP/><String HEIGHT="24" CONTENT="undesirable" WIDTH="122" HPOS="319" VPOS="1860" ID="st3-409"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="450" VPOS="1860" ID="st3-410"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="489" VPOS="1860" ID="st3-411"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="57" HPOS="533" VPOS="1860" ID="st3-412"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="590" VPOS="1860" ID="st3-413"/><SP/><String HEIGHT="24" CONTENT="but" WIDTH="36" HPOS="611" VPOS="1860" ID="st3-414"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="656" VPOS="1860" ID="st3-415"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="707" VPOS="1860" ID="st3-416"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="746" VPOS="1860" ID="st3-417"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl3-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="employees" WIDTH="108" HPOS="196" VPOS="1896" ID="st3-418"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="304" VPOS="1896" ID="st3-419"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="103" HPOS="326" VPOS="1896" ID="st3-420"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="429" VPOS="1896" ID="st3-421"/><SP/><String HEIGHT="24" CONTENT="shareholders" WIDTH="130" HPOS="451" VPOS="1896" ID="st3-422"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="581" VPOS="1896" ID="st3-423"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="602" VPOS="1896" ID="st3-424"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="653" VPOS="1896" ID="st3-425"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="97" HPOS="698" VPOS="1896" ID="st3-426"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl3-45" WIDTH="264" HEIGHT="24"><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="196" VPOS="1932" ID="st3-427"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="226" VPOS="1932" ID="st3-428"/><SP/><String HEIGHT="24" CONTENT="whole" WIDTH="65" HPOS="245" VPOS="1932" ID="st3-429"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="317" VPOS="1932" ID="st3-430"/><String HEIGHT="24" CONTENT="Egan" WIDTH="44" HPOS="328" VPOS="1932" ID="st3-431"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="372" VPOS="1932" ID="st3-432"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="391" VPOS="1932" ID="st3-433"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="437" VPOS="1932" ID="st3-434"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="448" VPOS="1932" ID="st3-435"/></TextLine><TextLine HPOS="196" VPOS="2021" ID="tl3-46" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="1" WIDTH="7" HPOS="196" VPOS="2021" ID="st3-436"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="203" VPOS="2021" ID="st3-437"/><String HEIGHT="18" CONTENT=" " WIDTH="8" HPOS="210" VPOS="2021" ID="st3-438"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="31" HPOS="222" VPOS="2021" ID="st3-439"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="258" VPOS="2021" ID="st3-440"/><String HEIGHT="18" CONTENT="big" WIDTH="28" HPOS="267" VPOS="2021" ID="st3-441"/><SP/><String HEIGHT="18" CONTENT="six" WIDTH="24" HPOS="300" VPOS="2021" ID="st3-442"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="324" VPOS="2021" ID="st3-443"/><SP/><String HEIGHT="18" CONTENT="are" WIDTH="26" HPOS="337" VPOS="2021" ID="st3-444"/><SP/><String HEIGHT="18" CONTENT="Wells" WIDTH="44" HPOS="369" VPOS="2021" ID="st3-445"/><SP/><String HEIGHT="18" CONTENT="Fargo" WIDTH="43" HPOS="418" VPOS="2021" ID="st3-446"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="461" VPOS="2021" ID="st3-447"/><SP/><String HEIGHT="18" CONTENT="Bank" WIDTH="41" HPOS="476" VPOS="2021" ID="st3-448"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="18" HPOS="522" VPOS="2021" ID="st3-449"/><SP/><String HEIGHT="18" CONTENT="America" WIDTH="64" HPOS="545" VPOS="2021" ID="st3-450"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="609" VPOS="2021" ID="st3-451"/><SP/><String HEIGHT="18" CONTENT="Citigroup" WIDTH="74" HPOS="624" VPOS="2021" ID="st3-452"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="698" VPOS="2021" ID="st3-453"/><SP/><String HEIGHT="18" CONTENT="JPMorgan" WIDTH="82" HPOS="713" VPOS="2021" ID="st3-454"/></TextLine><TextLine HPOS="196" VPOS="2044" ID="tl3-47" WIDTH="372" HEIGHT="19"><String HEIGHT="19" CONTENT="Chase" WIDTH="47" HPOS="196" VPOS="2044" ID="st3-455"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="243" VPOS="2044" ID="st3-456"/><SP/><String HEIGHT="19" CONTENT="Goldman" WIDTH="77" HPOS="258" VPOS="2044" ID="st3-457"/><SP/><String HEIGHT="19" CONTENT="Sachs" WIDTH="43" HPOS="340" VPOS="2044" ID="st3-458"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="383" VPOS="2044" ID="st3-459"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="397" VPOS="2044" ID="st3-460"/><SP/><String HEIGHT="19" CONTENT="Morgan" WIDTH="66" HPOS="434" VPOS="2044" ID="st3-461"/><SP/><String HEIGHT="19" CONTENT="Stanley" WIDTH="55" HPOS="505" VPOS="2044" ID="st3-462"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="560" VPOS="2044" ID="st3-463"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl3-48" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Two" WIDTH="43" HPOS="858" VPOS="307" ID="st3-464"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="45" HPOS="907" VPOS="307" ID="st3-465"/><SP/><String HEIGHT="24" CONTENT="studies" WIDTH="73" HPOS="958" VPOS="307" ID="st3-466"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1037" VPOS="307" ID="st3-467"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1093" VPOS="307" ID="st3-468"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1133" VPOS="307" ID="st3-469"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1143" VPOS="307" ID="st3-470"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1154" VPOS="307" ID="st3-471"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1165" VPOS="307" ID="st3-472"/><SP/><String HEIGHT="24" CONTENT="demonstrate" WIDTH="135" HPOS="1182" VPOS="307" ID="st3-473"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="1322" VPOS="307" ID="st3-474"/><SP/><String HEIGHT="24" CONTENT="points" WIDTH="62" HPOS="1384" VPOS="307" ID="st3-475"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="1446" VPOS="307" ID="st3-476"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl3-49" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="343" ID="st3-477"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="900" VPOS="343" ID="st3-478"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="965" VPOS="343" ID="st3-479"/><SP/><String HEIGHT="24" CONTENT="fake" WIDTH="45" HPOS="1033" VPOS="343" ID="st3-480"/><SP/><String HEIGHT="24" CONTENT="accounts" WIDTH="95" HPOS="1086" VPOS="343" ID="st3-481"/><SP/><String HEIGHT="24" CONTENT="scandals" WIDTH="89" HPOS="1189" VPOS="343" ID="st3-482"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1286" VPOS="343" ID="st3-483"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="99" HPOS="1334" VPOS="343" ID="st3-484"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="1433" VPOS="343" ID="st3-485"/><String HEIGHT="24" CONTENT="s" WIDTH="12" HPOS="1444" VPOS="343" ID="st3-486"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl3-50" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="aggressive" WIDTH="108" HPOS="858" VPOS="379" ID="st3-487"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="49" HPOS="972" VPOS="379" ID="st3-488"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1027" VPOS="379" ID="st3-489"/><SP/><String HEIGHT="24" CONTENT="subprime" WIDTH="98" HPOS="1054" VPOS="379" ID="st3-490"/><SP/><String HEIGHT="24" CONTENT="loans" WIDTH="52" HPOS="1157" VPOS="379" ID="st3-491"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1209" VPOS="379" ID="st3-492"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="1225" VPOS="379" ID="st3-493"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="1249" VPOS="379" ID="st3-494"/><SP/><String HEIGHT="24" CONTENT="cases" WIDTH="51" HPOS="1305" VPOS="379" ID="st3-495"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1356" VPOS="379" ID="st3-496"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1372" VPOS="379" ID="st3-497"/><SP/><String HEIGHT="24" CONTENT="sen" WIDTH="33" HPOS="1412" VPOS="379" ID="st3-498" SUBS_TYPE="HypPart1" SUBS_CONTENT="senior"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="379" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl3-51" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ior" WIDTH="28" HPOS="858" VPOS="415" ID="st3-499" SUBS_TYPE="HypPart2" SUBS_CONTENT="senior"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="894" VPOS="415" ID="st3-500"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1044" VPOS="415" ID="st3-501"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="1074" VPOS="415" ID="st3-502"/><SP/><String HEIGHT="24" CONTENT="mega" WIDTH="52" HPOS="1140" VPOS="415" ID="st3-503"/><String HEIGHT="24" CONTENT="-" WIDTH="13" HPOS="1192" VPOS="415" ID="st3-504"/><String HEIGHT="24" CONTENT="banks" WIDTH="65" HPOS="1205" VPOS="415" ID="st3-505"/><SP/><String HEIGHT="24" CONTENT="imposed" WIDTH="91" HPOS="1278" VPOS="415" ID="st3-506"/><SP/><String HEIGHT="24" CONTENT="abusive" WIDTH="79" HPOS="1377" VPOS="415" ID="st3-507"/></TextLine><TextLine HPOS="858" VPOS="451" ID="tl3-52" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="858" VPOS="451" ID="st3-508"/><SP/><String HEIGHT="24" CONTENT="goals" WIDTH="56" HPOS="920" VPOS="451" ID="st3-509"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="987" VPOS="451" ID="st3-510"/><SP/><String HEIGHT="24" CONTENT="incentive" WIDTH="95" HPOS="1039" VPOS="451" ID="st3-511"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="151" HPOS="1146" VPOS="451" ID="st3-512"/><SP/><String HEIGHT="24" CONTENT="arrangements" WIDTH="148" HPOS="1308" VPOS="451" ID="st3-513"/></TextLine><TextLine HPOS="858" VPOS="488" ID="tl3-53" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="858" VPOS="488" ID="st3-514"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="48" HPOS="896" VPOS="488" ID="st3-515"/><SP/><String HEIGHT="23" CONTENT="employees" WIDTH="108" HPOS="954" VPOS="488" ID="st3-516"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1062" VPOS="488" ID="st3-517"/><SP/><String HEIGHT="23" CONTENT="Yet" WIDTH="34" HPOS="1084" VPOS="488" ID="st3-518"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1128" VPOS="488" ID="st3-519"/><SP/><String HEIGHT="23" CONTENT="both" WIDTH="50" HPOS="1157" VPOS="488" ID="st3-520"/><SP/><String HEIGHT="23" CONTENT="cases" WIDTH="52" HPOS="1217" VPOS="488" ID="st3-521"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1269" VPOS="488" ID="st3-522"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="80" HPOS="1290" VPOS="488" ID="st3-523"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1370" VPOS="488" ID="st3-524"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1392" VPOS="488" ID="st3-525"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="488" ID="st3-526"/></TextLine><TextLine HPOS="858" VPOS="524" ID="tl3-54" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="face" WIDTH="44" HPOS="858" VPOS="524" ID="st3-527"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="912" VPOS="524" ID="st3-528"/><SP/><String HEIGHT="23" CONTENT="great" WIDTH="55" HPOS="945" VPOS="524" ID="st3-529"/><SP/><String HEIGHT="23" CONTENT="resistance" WIDTH="100" HPOS="1010" VPOS="524" ID="st3-530"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1110" VPOS="524" ID="st3-531"/><SP/><String HEIGHT="23" CONTENT="were" WIDTH="53" HPOS="1131" VPOS="524" ID="st3-532"/><SP/><String HEIGHT="23" CONTENT="instrumental" WIDTH="133" HPOS="1194" VPOS="524" ID="st3-533"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1338" VPOS="524" ID="st3-534"/><SP/><String HEIGHT="23" CONTENT="bringing" WIDTH="89" HPOS="1367" VPOS="524" ID="st3-535"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl3-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="560" ID="st3-536"/><SP/><String HEIGHT="24" CONTENT="wrongdoing" WIDTH="131" HPOS="900" VPOS="560" ID="st3-537"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1039" VPOS="560" ID="st3-538"/><SP/><String HEIGHT="24" CONTENT="light" WIDTH="45" HPOS="1069" VPOS="560" ID="st3-539"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1114" VPOS="560" ID="st3-540"/><SP/><String HEIGHT="24" CONTENT="first" WIDTH="40" HPOS="1131" VPOS="560" ID="st3-541"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1179" VPOS="560" ID="st3-542"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1209" VPOS="560" ID="st3-543"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="43" HPOS="1252" VPOS="560" ID="st3-544"/><SP/><String HEIGHT="24" CONTENT="itself" WIDTH="50" HPOS="1303" VPOS="560" ID="st3-545"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1361" VPOS="560" ID="st3-546"/><SP/><String HEIGHT="24" CONTENT="later" WIDTH="47" HPOS="1409" VPOS="560" ID="st3-547"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl3-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="858" VPOS="596" ID="st3-548"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="104" HPOS="892" VPOS="596" ID="st3-549"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="996" VPOS="596" ID="st3-550"/><SP/><String HEIGHT="24" CONTENT="Both" WIDTH="50" HPOS="1019" VPOS="596" ID="st3-551"/><SP/><String HEIGHT="24" CONTENT="examples" WIDTH="94" HPOS="1082" VPOS="596" ID="st3-552"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1176" VPOS="596" ID="st3-553"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="1200" VPOS="596" ID="st3-554"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1284" VPOS="596" ID="st3-555"/><SP/><String HEIGHT="24" CONTENT="illustrate" WIDTH="91" HPOS="1310" VPOS="596" ID="st3-556"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1413" VPOS="596" ID="st3-557"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl3-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="engaging" WIDTH="100" HPOS="858" VPOS="632" ID="st3-558"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="965" VPOS="632" ID="st3-559"/><SP/><String HEIGHT="24" CONTENT="empowering" WIDTH="135" HPOS="1013" VPOS="632" ID="st3-560"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1155" VPOS="632" ID="st3-561"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="1248" VPOS="632" ID="st3-562"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1313" VPOS="632" ID="st3-563"/><SP/><String HEIGHT="24" CONTENT="aided" WIDTH="58" HPOS="1371" VPOS="632" ID="st3-564"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="632" ID="st3-565"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl3-58" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="detecting" WIDTH="100" HPOS="858" VPOS="668" ID="st3-566"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="965" VPOS="668" ID="st3-567"/><SP/><String HEIGHT="24" CONTENT="addressing" WIDTH="113" HPOS="1013" VPOS="668" ID="st3-568"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="1133" VPOS="668" ID="st3-569"/><SP/><String HEIGHT="24" CONTENT="risks" WIDTH="46" HPOS="1197" VPOS="668" ID="st3-570"/><SP/><String HEIGHT="24" CONTENT="much" WIDTH="59" HPOS="1251" VPOS="668" ID="st3-571"/><SP/><String HEIGHT="24" CONTENT="earlier" WIDTH="60" HPOS="1318" VPOS="668" ID="st3-572"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="1378" VPOS="668" ID="st3-573"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="1395" VPOS="668" ID="st3-574"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="668" ID="st3-575"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl3-59" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="case" WIDTH="46" HPOS="858" VPOS="704" ID="st3-576"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="912" VPOS="704" ID="st3-577"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="942" VPOS="704" ID="st3-578"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="55" HPOS="1007" VPOS="704" ID="st3-579"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1062" VPOS="704" ID="st3-580"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="1082" VPOS="704" ID="st3-581"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="41" HPOS="1202" VPOS="704" ID="st3-582"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="1251" VPOS="704" ID="st3-583"/><SP/><String HEIGHT="24" CONTENT="bringing" WIDTH="89" HPOS="1312" VPOS="704" ID="st3-584"/><SP/><String HEIGHT="24" CONTENT="con" WIDTH="36" HPOS="1409" VPOS="704" ID="st3-585" SUBS_TYPE="HypPart1" SUBS_CONTENT="concerns"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="704" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl3-60" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="cerns" WIDTH="56" HPOS="858" VPOS="740" ID="st3-586" SUBS_TYPE="HypPart2" SUBS_CONTENT="concerns"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="923" VPOS="740" ID="st3-587"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="978" VPOS="740" ID="st3-588"/><SP/><String HEIGHT="24" CONTENT="goals" WIDTH="56" HPOS="1037" VPOS="740" ID="st3-589"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1102" VPOS="740" ID="st3-590"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1133" VPOS="740" ID="st3-591"/><SP/><String HEIGHT="24" CONTENT="attention" WIDTH="97" HPOS="1177" VPOS="740" ID="st3-592"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1283" VPOS="740" ID="st3-593"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="1315" VPOS="740" ID="st3-594"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl3-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="858" VPOS="776" ID="st3-595"/><SP/><String HEIGHT="24" CONTENT="years" WIDTH="54" HPOS="898" VPOS="776" ID="st3-596"/><SP/><String HEIGHT="24" CONTENT="before" WIDTH="69" HPOS="962" VPOS="776" ID="st3-597"/><SP/><String HEIGHT="24" CONTENT="any" WIDTH="38" HPOS="1041" VPOS="776" ID="st3-598"/><SP/><String HEIGHT="24" CONTENT="action" WIDTH="65" HPOS="1089" VPOS="776" ID="st3-599"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="1164" VPOS="776" ID="st3-600"/><SP/><String HEIGHT="24" CONTENT="taken" WIDTH="55" HPOS="1215" VPOS="776" ID="st3-601"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1270" VPOS="776" ID="st3-602"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1292" VPOS="776" ID="st3-603"/><SP/><String HEIGHT="24" CONTENT="consumers" WIDTH="114" HPOS="1342" VPOS="776" ID="st3-604"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl3-62" WIDTH="427" HEIGHT="23"><String HEIGHT="23" CONTENT="were" WIDTH="52" HPOS="858" VPOS="813" ID="st3-605"/><SP/><String HEIGHT="23" CONTENT="harmed" WIDTH="82" HPOS="917" VPOS="813" ID="st3-606"/><SP/><String HEIGHT="23" CONTENT="as" WIDTH="22" HPOS="1006" VPOS="813" ID="st3-607"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="1035" VPOS="813" ID="st3-608"/><SP/><String HEIGHT="23" CONTENT="result" WIDTH="57" HPOS="1055" VPOS="813" ID="st3-609"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="1119" VPOS="813" ID="st3-610"/><SP/><String HEIGHT="23" CONTENT="this" WIDTH="37" HPOS="1149" VPOS="813" ID="st3-611"/><SP/><String HEIGHT="23" CONTENT="inaction" WIDTH="81" HPOS="1193" VPOS="813" ID="st3-612"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1274" VPOS="813" ID="st3-613"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl3-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="A" WIDTH="16" HPOS="858" VPOS="885" ID="st3-614"/><SP/><String HEIGHT="24" CONTENT="third" WIDTH="49" HPOS="884" VPOS="885" ID="st3-615"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="89" HPOS="942" VPOS="885" ID="st3-616"/><SP/><String HEIGHT="24" CONTENT="demonstrates" WIDTH="145" HPOS="1040" VPOS="885" ID="st3-617"/><SP/><String HEIGHT="24" CONTENT="how" WIDTH="47" HPOS="1194" VPOS="885" ID="st3-618"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="1250" VPOS="885" ID="st3-619"/><SP/><String HEIGHT="24" CONTENT="idea" WIDTH="44" HPOS="1297" VPOS="885" ID="st3-620"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1350" VPOS="885" ID="st3-621"/><SP/><String HEIGHT="24" CONTENT="regula" WIDTH="64" HPOS="1382" VPOS="885" ID="st3-622" SUBS_TYPE="HypPart1" SUBS_CONTENT="regulation"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="885" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl3-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tion" WIDTH="41" HPOS="858" VPOS="921" ID="st3-623" SUBS_TYPE="HypPart2" SUBS_CONTENT="regulation"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="906" VPOS="921" ID="st3-624"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="65" HPOS="964" VPOS="921" ID="st3-625"/><SP/><String HEIGHT="24" CONTENT="may" WIDTH="45" HPOS="1036" VPOS="921" ID="st3-626"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="1087" VPOS="921" ID="st3-627"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1137" VPOS="921" ID="st3-628"/><SP/><String HEIGHT="24" CONTENT="benefits" WIDTH="85" HPOS="1194" VPOS="921" ID="st3-629"/><SP/><String HEIGHT="24" CONTENT="beyond" WIDTH="79" HPOS="1286" VPOS="921" ID="st3-630"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1372" VPOS="921" ID="st3-631"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1413" VPOS="921" ID="st3-632"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1423" VPOS="921" ID="st3-633"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1434" VPOS="921" ID="st3-634"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1445" VPOS="921" ID="st3-635"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl3-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Constant" WIDTH="97" HPOS="858" VPOS="957" ID="st3-636"/><SP/><String HEIGHT="24" CONTENT="restructurings" WIDTH="146" HPOS="962" VPOS="957" ID="st3-637"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1115" VPOS="957" ID="st3-638"/><SP/><String HEIGHT="24" CONTENT="downsizings" WIDTH="126" HPOS="1162" VPOS="957" ID="st3-639"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1288" VPOS="957" ID="st3-640"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="1307" VPOS="957" ID="st3-641"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1371" VPOS="957" ID="st3-642"/><SP/><String HEIGHT="24" CONTENT="them" WIDTH="55" HPOS="1401" VPOS="957" ID="st3-643"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl3-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="993" ID="st3-644"/><SP/><String HEIGHT="24" CONTENT="direct" WIDTH="60" HPOS="898" VPOS="993" ID="st3-645"/><SP/><String HEIGHT="24" CONTENT="result" WIDTH="58" HPOS="963" VPOS="993" ID="st3-646"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1027" VPOS="993" ID="st3-647"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1055" VPOS="993" ID="st3-648"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="102" HPOS="1096" VPOS="993" ID="st3-649"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="48" HPOS="1204" VPOS="993" ID="st3-650"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1252" VPOS="993" ID="st3-651"/><SP/><String HEIGHT="24" CONTENT="continue" WIDTH="93" HPOS="1267" VPOS="993" ID="st3-652"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1366" VPOS="993" ID="st3-653"/><SP/><String HEIGHT="24" CONTENT="shape" WIDTH="62" HPOS="1394" VPOS="993" ID="st3-654"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl3-67" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="858" VPOS="1029" ID="st3-655"/><SP/><String HEIGHT="24" CONTENT="working" WIDTH="88" HPOS="904" VPOS="1029" ID="st3-656"/><SP/><String HEIGHT="24" CONTENT="lives" WIDTH="45" HPOS="1004" VPOS="1029" ID="st3-657"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1061" VPOS="1029" ID="st3-658"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="44" HPOS="1113" VPOS="1029" ID="st3-659"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="1157" VPOS="1029" ID="st3-660"/><String HEIGHT="24" CONTENT="being" WIDTH="56" HPOS="1169" VPOS="1029" ID="st3-661"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1237" VPOS="1029" ID="st3-662"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="1271" VPOS="1029" ID="st3-663"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="108" HPOS="1336" VPOS="1029" ID="st3-664"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1444" VPOS="1029" ID="st3-665"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl3-68" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="858" VPOS="1065" ID="st3-666"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="917" VPOS="1065" ID="st3-667"/><SP/><String HEIGHT="24" CONTENT="experience" WIDTH="114" HPOS="1008" VPOS="1065" ID="st3-668"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1129" VPOS="1065" ID="st3-669"/><SP/><String HEIGHT="24" CONTENT="effects" WIDTH="70" HPOS="1170" VPOS="1065" ID="st3-670"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1246" VPOS="1065" ID="st3-671"/><SP/><String HEIGHT="24" CONTENT="deregulation" WIDTH="134" HPOS="1275" VPOS="1065" ID="st3-672"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1065" ID="st3-673"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl3-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="emerging" WIDTH="101" HPOS="858" VPOS="1101" ID="st3-674"/><SP/><String HEIGHT="24" CONTENT="technologies" WIDTH="135" HPOS="964" VPOS="1101" ID="st3-675"/><SP/><String HEIGHT="24" CONTENT="through" WIDTH="86" HPOS="1104" VPOS="1101" ID="st3-676"/><SP/><String HEIGHT="24" CONTENT="new" WIDTH="46" HPOS="1195" VPOS="1101" ID="st3-677"/><SP/><String HEIGHT="24" CONTENT="types" WIDTH="56" HPOS="1246" VPOS="1101" ID="st3-678"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1307" VPOS="1101" ID="st3-679"/><SP/><String HEIGHT="24" CONTENT="jobs" WIDTH="40" HPOS="1335" VPOS="1101" ID="st3-680"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1375" VPOS="1101" ID="st3-681"/><SP/><String HEIGHT="24" CONTENT="Work" WIDTH="53" HPOS="1390" VPOS="1101" ID="st3-682" SUBS_TYPE="HypPart1" SUBS_CONTENT="Workrelated"/><HYP CONTENT="-" WIDTH="13" HPOS="1443" VPOS="1101" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl3-70" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="related" WIDTH="73" HPOS="858" VPOS="1138" ID="st3-683" SUBS_TYPE="HypPart2" SUBS_CONTENT="Workrelated"/><SP/><String HEIGHT="23" CONTENT="stress" WIDTH="58" HPOS="942" VPOS="1138" ID="st3-684"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1011" VPOS="1138" ID="st3-685"/><SP/><String HEIGHT="23" CONTENT="banking" WIDTH="87" HPOS="1041" VPOS="1138" ID="st3-686"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="15" HPOS="1139" VPOS="1138" ID="st3-687"/><SP/><String HEIGHT="23" CONTENT="now" WIDTH="47" HPOS="1165" VPOS="1138" ID="st3-688"/><SP/><String HEIGHT="23" CONTENT="at" WIDTH="21" HPOS="1223" VPOS="1138" ID="st3-689"/><SP/><String HEIGHT="23" CONTENT="critical" WIDTH="68" HPOS="1255" VPOS="1138" ID="st3-690"/><SP/><String HEIGHT="23" CONTENT="levels" WIDTH="54" HPOS="1334" VPOS="1138" ID="st3-691"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1388" VPOS="1138" ID="st3-692"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="1409" VPOS="1138" ID="st3-693"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl3-71" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="negative" WIDTH="90" HPOS="858" VPOS="1174" ID="st3-694"/><SP/><String HEIGHT="23" CONTENT="effects" WIDTH="70" HPOS="953" VPOS="1174" ID="st3-695"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="1029" VPOS="1174" ID="st3-696"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="79" HPOS="1062" VPOS="1174" ID="st3-697"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="1141" VPOS="1174" ID="st3-698"/><SP/><String HEIGHT="23" CONTENT="health" WIDTH="66" HPOS="1159" VPOS="1174" ID="st3-699"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1231" VPOS="1174" ID="st3-700"/><SP/><String HEIGHT="23" CONTENT="thus" WIDTH="46" HPOS="1276" VPOS="1174" ID="st3-701"/><SP/><String HEIGHT="23" CONTENT="also" WIDTH="41" HPOS="1328" VPOS="1174" ID="st3-702"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="27" HPOS="1375" VPOS="1174" ID="st3-703"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="48" HPOS="1408" VPOS="1174" ID="st3-704"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl3-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="858" VPOS="1210" ID="st3-705"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="918" VPOS="1210" ID="st3-706"/><String HEIGHT="24" CONTENT="Giogi" WIDTH="50" HPOS="928" VPOS="1210" ID="st3-707"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="978" VPOS="1210" ID="st3-708"/><SP/><String HEIGHT="24" CONTENT="Arcangeli" WIDTH="100" HPOS="997" VPOS="1210" ID="st3-709"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1105" VPOS="1210" ID="st3-710"/><SP/><String HEIGHT="24" CONTENT="Perminiene" WIDTH="113" HPOS="1153" VPOS="1210" ID="st3-711"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1266" VPOS="1210" ID="st3-712"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="1286" VPOS="1210" ID="st3-713"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1332" VPOS="1210" ID="st3-714"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1343" VPOS="1210" ID="st3-715"/><SP/><String HEIGHT="24" CONTENT="Negative" WIDTH="93" HPOS="1363" VPOS="1210" ID="st3-716"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl3-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="well" WIDTH="44" HPOS="858" VPOS="1246" ID="st3-717"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="902" VPOS="1246" ID="st3-718"/><String HEIGHT="24" CONTENT="being" WIDTH="56" HPOS="914" VPOS="1246" ID="st3-719"/><SP/><String HEIGHT="24" CONTENT="lowers" WIDTH="70" HPOS="985" VPOS="1246" ID="st3-720"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1071" VPOS="1246" ID="st3-721"/><SP/><String HEIGHT="24" CONTENT="productivity" WIDTH="126" HPOS="1121" VPOS="1246" ID="st3-722"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1262" VPOS="1246" ID="st3-723"/><SP/><String HEIGHT="24" CONTENT="efficiency" WIDTH="100" HPOS="1318" VPOS="1246" ID="st3-724"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="1246" ID="st3-725"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl3-74" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="858" VPOS="1282" ID="st3-726"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="981" VPOS="1282" ID="st3-727"/><SP/><String HEIGHT="24" CONTENT="compromises" WIDTH="140" HPOS="1033" VPOS="1282" ID="st3-728"/><SP/><String HEIGHT="24" CONTENT="customer" WIDTH="98" HPOS="1184" VPOS="1282" ID="st3-729"/><SP/><String HEIGHT="24" CONTENT="service" WIDTH="68" HPOS="1293" VPOS="1282" ID="st3-730"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1361" VPOS="1282" ID="st3-731"/><SP/><String HEIGHT="24" CONTENT="Unions" WIDTH="74" HPOS="1382" VPOS="1282" ID="st3-732"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl3-75" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="858" VPOS="1318" ID="st3-733"/><SP/><String HEIGHT="24" CONTENT="decrease" WIDTH="92" HPOS="903" VPOS="1318" ID="st3-734"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="1003" VPOS="1318" ID="st3-735"/><String HEIGHT="24" CONTENT="job" WIDTH="36" HPOS="1014" VPOS="1318" ID="st3-736"/><SP/><String HEIGHT="24" CONTENT="strain," WIDTH="69" HPOS="1058" VPOS="1318" ID="st3-737"/><String HEIGHT="24" CONTENT="«" WIDTH="10" HPOS="1127" VPOS="1318" ID="st3-738"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1144" VPOS="1318" ID="st3-739"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1192" VPOS="1318" ID="st3-740"/><SP/><String HEIGHT="24" CONTENT="turn" WIDTH="45" HPOS="1219" VPOS="1318" ID="st3-741"/><SP/><String HEIGHT="24" CONTENT="increase" WIDTH="86" HPOS="1271" VPOS="1318" ID="st3-742"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="79" HPOS="1365" VPOS="1318" ID="st3-743"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1444" VPOS="1318" ID="st3-744"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl3-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="productivity" WIDTH="119" HPOS="858" VPOS="1354" ID="st3-745"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="977" VPOS="1354" ID="st3-746"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="994" VPOS="1354" ID="st3-747"/><SP/><String HEIGHT="24" CONTENT="affording" WIDTH="97" HPOS="1026" VPOS="1354" ID="st3-748"/><SP/><String HEIGHT="24" CONTENT="them" WIDTH="56" HPOS="1130" VPOS="1354" ID="st3-749"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1193" VPOS="1354" ID="st3-750"/><SP/><String HEIGHT="24" CONTENT="control" WIDTH="70" HPOS="1255" VPOS="1354" ID="st3-751"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1325" VPOS="1354" ID="st3-752"/><SP/><String HEIGHT="24" CONTENT="autonomy" WIDTH="100" HPOS="1343" VPOS="1354" ID="st3-753"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1443" VPOS="1354" ID="st3-754"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl3-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1390" ID="st3-755"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="905" VPOS="1390" ID="st3-756"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="994" VPOS="1390" ID="st3-757"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1029" VPOS="1390" ID="st3-758"/><SP/><String HEIGHT="24" CONTENT="job" WIDTH="34" HPOS="1070" VPOS="1390" ID="st3-759"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1110" VPOS="1390" ID="st3-760"/><String HEIGHT="24" CONTENT="Karasek" WIDTH="77" HPOS="1120" VPOS="1390" ID="st3-761"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1197" VPOS="1390" ID="st3-762"/><SP/><String HEIGHT="24" CONTENT="1979" WIDTH="49" HPOS="1215" VPOS="1390" ID="st3-763"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1264" VPOS="1390" ID="st3-764"/><SP/><String HEIGHT="24" CONTENT="Landsbergis" WIDTH="125" HPOS="1284" VPOS="1390" ID="st3-765"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1390" ID="st3-766"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl3-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Cahill" WIDTH="56" HPOS="858" VPOS="1426" ID="st3-767"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="914" VPOS="1426" ID="st3-768"/><SP/><String HEIGHT="24" CONTENT="1994" WIDTH="50" HPOS="930" VPOS="1426" ID="st3-769"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="980" VPOS="1426" ID="st3-770"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="998" VPOS="1426" ID="st3-771"/><SP/><String HEIGHT="24" CONTENT="Dollard" WIDTH="76" HPOS="1044" VPOS="1426" ID="st3-772"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="20" HPOS="1126" VPOS="1426" ID="st3-773"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="1152" VPOS="1426" ID="st3-774"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1168" VPOS="1426" ID="st3-775"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="1176" VPOS="1426" ID="st3-776"/><SP/><String HEIGHT="24" CONTENT="2000" WIDTH="46" HPOS="1189" VPOS="1426" ID="st3-777"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1235" VPOS="1426" ID="st3-778"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1247" VPOS="1426" ID="st3-779"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="38" HPOS="1265" VPOS="1426" ID="st3-780"/><SP/><String HEIGHT="24" CONTENT="quality" WIDTH="71" HPOS="1309" VPOS="1426" ID="st3-781"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1385" VPOS="1426" ID="st3-782"/><SP/><String HEIGHT="24" CONTENT="jobs" WIDTH="43" HPOS="1413" VPOS="1426" ID="st3-783"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl3-79" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="determines" WIDTH="118" HPOS="858" VPOS="1463" ID="st3-784"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="79" HPOS="985" VPOS="1463" ID="st3-785"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="1064" VPOS="1463" ID="st3-786"/><SP/><String HEIGHT="23" CONTENT="productivity" WIDTH="125" HPOS="1085" VPOS="1463" ID="st3-787"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1219" VPOS="1463" ID="st3-788"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="49" HPOS="1268" VPOS="1463" ID="st3-789"/><SP/><String HEIGHT="23" CONTENT="contribution" WIDTH="130" HPOS="1326" VPOS="1463" ID="st3-790"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl3-80" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="858" VPOS="1499" ID="st3-791"/><SP/><String HEIGHT="23" CONTENT="sustainable" WIDTH="118" HPOS="886" VPOS="1499" ID="st3-792"/><SP/><String HEIGHT="23" CONTENT="economic" WIDTH="103" HPOS="1010" VPOS="1499" ID="st3-793"/><SP/><String HEIGHT="23" CONTENT="performance" WIDTH="137" HPOS="1119" VPOS="1499" ID="st3-794"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="1262" VPOS="1499" ID="st3-795"/><String HEIGHT="23" CONTENT="Cazes" WIDTH="55" HPOS="1272" VPOS="1499" ID="st3-796"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1327" VPOS="1499" ID="st3-797"/><SP/><String HEIGHT="23" CONTENT="Hijzen" WIDTH="66" HPOS="1344" VPOS="1499" ID="st3-798"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1499" ID="st3-799"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl3-81" WIDTH="519" HEIGHT="24"><String HEIGHT="24" CONTENT="Saint" WIDTH="53" HPOS="858" VPOS="1535" ID="st3-800"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="911" VPOS="1535" ID="st3-801"/><String HEIGHT="24" CONTENT="Martin" WIDTH="64" HPOS="922" VPOS="1535" ID="st3-802"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="986" VPOS="1535" ID="st3-803"/><SP/><String HEIGHT="24" CONTENT="2015" WIDTH="49" HPOS="1004" VPOS="1535" ID="st3-804"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1053" VPOS="1535" ID="st3-805"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1073" VPOS="1535" ID="st3-806"/><SP/><String HEIGHT="24" CONTENT="SSF" WIDTH="36" HPOS="1120" VPOS="1535" ID="st3-807"/><SP/><String HEIGHT="24" CONTENT="Stiglitz" WIDTH="71" HPOS="1163" VPOS="1535" ID="st3-808"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="1241" VPOS="1535" ID="st3-809"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="1269" VPOS="1535" ID="st3-810"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="1285" VPOS="1535" ID="st3-811"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="1293" VPOS="1535" ID="st3-812"/><SP/><String HEIGHT="24" CONTENT="2009" WIDTH="46" HPOS="1308" VPOS="1535" ID="st3-813"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1354" VPOS="1535" ID="st3-814"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1365" VPOS="1535" ID="st3-815"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl3-82" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="An" WIDTH="30" HPOS="858" VPOS="1607" ID="st3-816"/><SP/><String HEIGHT="24" CONTENT="organized" WIDTH="107" HPOS="903" VPOS="1607" ID="st3-817"/><SP/><String HEIGHT="24" CONTENT="workforce" WIDTH="109" HPOS="1024" VPOS="1607" ID="st3-818"/><SP/><String HEIGHT="24" CONTENT="capable" WIDTH="82" HPOS="1148" VPOS="1607" ID="st3-819"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1245" VPOS="1607" ID="st3-820"/><SP/><String HEIGHT="24" CONTENT="wielding" WIDTH="91" HPOS="1282" VPOS="1607" ID="st3-821"/><SP/><String HEIGHT="24" CONTENT="power" WIDTH="68" HPOS="1388" VPOS="1607" ID="st3-822"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl3-83" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="through" WIDTH="85" HPOS="858" VPOS="1643" ID="st3-823"/><SP/><String HEIGHT="24" CONTENT="collective" WIDTH="97" HPOS="952" VPOS="1643" ID="st3-824"/><SP/><String HEIGHT="24" CONTENT="bargaining" WIDTH="114" HPOS="1058" VPOS="1643" ID="st3-825"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1180" VPOS="1643" ID="st3-826"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1208" VPOS="1643" ID="st3-827"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="1252" VPOS="1643" ID="st3-828"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="1346" VPOS="1643" ID="st3-829"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="1419" VPOS="1643" ID="st3-830"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl3-84" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="858" VPOS="1679" ID="st3-831"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="894" VPOS="1679" ID="st3-832"/><SP/><String HEIGHT="24" CONTENT="important" WIDTH="106" HPOS="931" VPOS="1679" ID="st3-833"/><SP/><String HEIGHT="24" CONTENT="tool" WIDTH="41" HPOS="1047" VPOS="1679" ID="st3-834"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1099" VPOS="1679" ID="st3-835"/><SP/><String HEIGHT="24" CONTENT="systemic" WIDTH="89" HPOS="1139" VPOS="1679" ID="st3-836"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1239" VPOS="1679" ID="st3-837"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="1285" VPOS="1679" ID="st3-838"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="1679" ID="st3-839"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl3-85" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1715" ID="st3-840"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="901" VPOS="1715" ID="st3-841"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="59" HPOS="999" VPOS="1715" ID="st3-842"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1058" VPOS="1715" ID="st3-843"/><SP/><String HEIGHT="24" CONTENT="There" WIDTH="60" HPOS="1076" VPOS="1715" ID="st3-844"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="32" HPOS="1145" VPOS="1715" ID="st3-845"/><SP/><String HEIGHT="24" CONTENT="several" WIDTH="72" HPOS="1186" VPOS="1715" ID="st3-846"/><SP/><String HEIGHT="24" CONTENT="structural" WIDTH="100" HPOS="1267" VPOS="1715" ID="st3-847"/><SP/><String HEIGHT="24" CONTENT="reasons" WIDTH="80" HPOS="1376" VPOS="1715" ID="st3-848"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl3-86" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="858" VPOS="1751" ID="st3-849"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="35" HPOS="896" VPOS="1751" ID="st3-850"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="931" VPOS="1751" ID="st3-851"/><SP/><String HEIGHT="24" CONTENT="First" WIDTH="41" HPOS="948" VPOS="1751" ID="st3-852"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="989" VPOS="1751" ID="st3-853"/><SP/><String HEIGHT="24" CONTENT="line" WIDTH="38" HPOS="1005" VPOS="1751" ID="st3-854"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1050" VPOS="1751" ID="st3-855"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1142" VPOS="1751" ID="st3-856"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="1169" VPOS="1751" ID="st3-857"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1263" VPOS="1751" ID="st3-858"/><SP/><String HEIGHT="24" CONTENT="interests" WIDTH="88" HPOS="1320" VPOS="1751" ID="st3-859"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1751" ID="st3-860"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl3-87" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="compensation" WIDTH="150" HPOS="858" VPOS="1788" ID="st3-861"/><SP/><String HEIGHT="23" CONTENT="structures" WIDTH="103" HPOS="1018" VPOS="1788" ID="st3-862"/><SP/><String HEIGHT="23" CONTENT="different" WIDTH="91" HPOS="1131" VPOS="1788" ID="st3-863"/><SP/><String HEIGHT="23" CONTENT="from" WIDTH="51" HPOS="1231" VPOS="1788" ID="st3-864"/><SP/><String HEIGHT="23" CONTENT="those" WIDTH="59" HPOS="1292" VPOS="1788" ID="st3-865"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1360" VPOS="1788" ID="st3-866"/><SP/><String HEIGHT="23" CONTENT="senior" WIDTH="64" HPOS="1392" VPOS="1788" ID="st3-867"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl3-88" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="management" WIDTH="141" HPOS="858" VPOS="1824" ID="st3-868"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1005" VPOS="1824" ID="st3-869"/><SP/><String HEIGHT="23" CONTENT="directors" WIDTH="111" HPOS="1051" VPOS="1824" ID="st3-870"/><String HEIGHT="23" CONTENT="—" WIDTH="13" HPOS="1162" VPOS="1824" ID="st3-871"/><String HEIGHT="23" CONTENT="whose" WIDTH="62" HPOS="1175" VPOS="1824" ID="st3-872"/><SP/><String HEIGHT="23" CONTENT="interests" WIDTH="89" HPOS="1242" VPOS="1824" ID="st3-873"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1336" VPOS="1824" ID="st3-874"/><SP/><String HEIGHT="23" CONTENT="increas" WIDTH="71" HPOS="1375" VPOS="1824" ID="st3-875" SUBS_TYPE="HypPart1" SUBS_CONTENT="increasingly"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1824" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl3-89" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ingly" WIDTH="50" HPOS="858" VPOS="1860" ID="st3-876" SUBS_TYPE="HypPart2" SUBS_CONTENT="increasingly"/><SP/><String HEIGHT="24" CONTENT="bound" WIDTH="69" HPOS="915" VPOS="1860" ID="st3-877"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="991" VPOS="1860" ID="st3-878"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1020" VPOS="1860" ID="st3-879"/><SP/><String HEIGHT="24" CONTENT="interests" WIDTH="89" HPOS="1062" VPOS="1860" ID="st3-880"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1158" VPOS="1860" ID="st3-881"/><SP/><String HEIGHT="24" CONTENT="short" WIDTH="56" HPOS="1187" VPOS="1860" ID="st3-882"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="1243" VPOS="1860" ID="st3-883"/><String HEIGHT="24" CONTENT="term" WIDTH="45" HPOS="1254" VPOS="1860" ID="st3-884"/><SP/><String HEIGHT="24" CONTENT="equity" WIDTH="65" HPOS="1306" VPOS="1860" ID="st3-885"/><SP/><String HEIGHT="24" CONTENT="holders" WIDTH="78" HPOS="1378" VPOS="1860" ID="st3-886"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl3-90" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="rather" WIDTH="64" HPOS="858" VPOS="1896" ID="st3-887"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="48" HPOS="928" VPOS="1896" ID="st3-888"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="983" VPOS="1896" ID="st3-889"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1011" VPOS="1896" ID="st3-890"/><SP/><String HEIGHT="24" CONTENT="long" WIDTH="46" HPOS="1052" VPOS="1896" ID="st3-891"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="1098" VPOS="1896" ID="st3-892"/><String HEIGHT="24" CONTENT="term" WIDTH="47" HPOS="1110" VPOS="1896" ID="st3-893"/><SP/><String HEIGHT="24" CONTENT="interests" WIDTH="89" HPOS="1163" VPOS="1896" ID="st3-894"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1258" VPOS="1896" ID="st3-895"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1286" VPOS="1896" ID="st3-896"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="1327" VPOS="1896" ID="st3-897"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1386" VPOS="1896" ID="st3-898"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1432" VPOS="1896" ID="st3-899"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl3-91" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="shareholders" WIDTH="130" HPOS="858" VPOS="1932" ID="st3-900"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="988" VPOS="1932" ID="st3-901"/><SP/><String HEIGHT="24" CONTENT="Second" WIDTH="72" HPOS="1009" VPOS="1932" ID="st3-902"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1081" VPOS="1932" ID="st3-903"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1103" VPOS="1932" ID="st3-904"/><SP/><String HEIGHT="24" CONTENT="ability" WIDTH="62" HPOS="1148" VPOS="1932" ID="st3-905"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1220" VPOS="1932" ID="st3-906"/><SP/><String HEIGHT="24" CONTENT="bargain" WIDTH="81" HPOS="1252" VPOS="1932" ID="st3-907"/><SP/><String HEIGHT="24" CONTENT="collectively" WIDTH="114" HPOS="1342" VPOS="1932" ID="st3-908"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl3-92" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="858" VPOS="1968" ID="st3-909"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="896" VPOS="1968" ID="st3-910"/><SP/><String HEIGHT="24" CONTENT="limits" WIDTH="55" HPOS="1057" VPOS="1968" ID="st3-911"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1123" VPOS="1968" ID="st3-912"/><SP/><String HEIGHT="24" CONTENT="ability" WIDTH="62" HPOS="1168" VPOS="1968" ID="st3-913"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1241" VPOS="1968" ID="st3-914"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1273" VPOS="1968" ID="st3-915"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="43" HPOS="1319" VPOS="1968" ID="st3-916"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1372" VPOS="1968" ID="st3-917"/><SP/><String HEIGHT="24" CONTENT="push" WIDTH="51" HPOS="1405" VPOS="1968" ID="st3-918"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl3-93" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="aggressive" WIDTH="110" HPOS="858" VPOS="2004" ID="st3-919"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="980" VPOS="2004" ID="st3-920"/><SP/><String HEIGHT="24" CONTENT="risky" WIDTH="47" HPOS="1033" VPOS="2004" ID="st3-921"/><SP/><String HEIGHT="24" CONTENT="products" WIDTH="93" HPOS="1092" VPOS="2004" ID="st3-922"/><SP/><String HEIGHT="24" CONTENT="through" WIDTH="86" HPOS="1198" VPOS="2004" ID="st3-923"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1296" VPOS="2004" ID="st3-924"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="1332" VPOS="2004" ID="st3-925"/><SP/><String HEIGHT="24" CONTENT="team" WIDTH="49" HPOS="1394" VPOS="2004" ID="st3-926"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="1443" VPOS="2004" ID="st3-927"/></TextLine><TextLine HPOS="858" VPOS="2040" ID="tl3-94" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Additionally" WIDTH="120" HPOS="858" VPOS="2040" ID="st3-928"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="978" VPOS="2040" ID="st3-929"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="997" VPOS="2040" ID="st3-930"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="1065" VPOS="2040" ID="st3-931"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1157" VPOS="2040" ID="st3-932"/><SP/><String HEIGHT="24" CONTENT="greater" WIDTH="76" HPOS="1215" VPOS="2040" ID="st3-933"/><SP/><String HEIGHT="24" CONTENT="autonomy" WIDTH="109" HPOS="1299" VPOS="2040" ID="st3-934"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="2040" ID="st3-935"/></TextLine><TextLine HPOS="818" VPOS="2254" ID="tl3-95" WIDTH="16" HEIGHT="28"><String HEIGHT="28" CONTENT="2" WIDTH="16" HPOS="818" VPOS="2254" ID="st3-936"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="4" ID="p840443" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840443" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840443" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl4-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st4-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st4-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st4-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st4-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st4-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st4-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st4-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st4-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st4-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st4-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st4-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st4-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st4-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st4-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st4-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st4-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st4-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st4-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st4-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl4-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="control" WIDTH="75" HPOS="196" VPOS="307" ID="st4-19"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="284" VPOS="307" ID="st4-20"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="342" VPOS="307" ID="st4-21"/><SP/><String HEIGHT="24" CONTENT="working" WIDTH="88" HPOS="404" VPOS="307" ID="st4-22"/><SP/><String HEIGHT="24" CONTENT="conditions" WIDTH="107" HPOS="504" VPOS="307" ID="st4-23"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="611" VPOS="307" ID="st4-24"/><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="634" VPOS="307" ID="st4-25"/><String HEIGHT="24" CONTENT="job" WIDTH="36" HPOS="646" VPOS="307" ID="st4-26"/><SP/><String HEIGHT="24" CONTENT="strain" WIDTH="62" HPOS="694" VPOS="307" ID="st4-27"/><String HEIGHT="24" CONTENT="«" WIDTH="11" HPOS="756" VPOS="307" ID="st4-28"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="780" VPOS="307" ID="st4-29"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl4-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="reduced" WIDTH="86" HPOS="196" VPOS="343" ID="st4-30"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="293" VPOS="343" ID="st4-31"/><SP/><String HEIGHT="24" CONTENT="productivity" WIDTH="125" HPOS="344" VPOS="343" ID="st4-32"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="480" VPOS="343" ID="st4-33"/><SP/><String HEIGHT="24" CONTENT="increased" WIDTH="100" HPOS="506" VPOS="343" ID="st4-34"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="617" VPOS="343" ID="st4-35"/><String HEIGHT="24" CONTENT="Karasek" WIDTH="76" HPOS="627" VPOS="343" ID="st4-36"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="703" VPOS="343" ID="st4-37"/><SP/><String HEIGHT="24" CONTENT="1979" WIDTH="46" HPOS="725" VPOS="343" ID="st4-38"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="771" VPOS="343" ID="st4-39"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="783" VPOS="343" ID="st4-40"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl4-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Third" WIDTH="50" HPOS="196" VPOS="379" ID="st4-41"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="246" VPOS="379" ID="st4-42"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="269" VPOS="379" ID="st4-43"/><SP/><String HEIGHT="24" CONTENT="protections" WIDTH="120" HPOS="316" VPOS="379" ID="st4-44"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="447" VPOS="379" ID="st4-45"/><SP/><String HEIGHT="24" CONTENT="structure" WIDTH="94" HPOS="500" VPOS="379" ID="st4-46"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="606" VPOS="379" ID="st4-47"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="640" VPOS="379" ID="st4-48"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="62" HPOS="664" VPOS="379" ID="st4-49"/><SP/><String HEIGHT="24" CONTENT="allow" WIDTH="58" HPOS="737" VPOS="379" ID="st4-50"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl4-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="196" VPOS="415" ID="st4-51"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="290" VPOS="415" ID="st4-52"/><SP/><String HEIGHT="24" CONTENT="raise" WIDTH="49" HPOS="320" VPOS="415" ID="st4-53"/><SP/><String HEIGHT="24" CONTENT="concerns" WIDTH="90" HPOS="377" VPOS="415" ID="st4-54"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="467" VPOS="415" ID="st4-55"/><SP/><String HEIGHT="24" CONTENT="take" WIDTH="45" HPOS="488" VPOS="415" ID="st4-56"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="542" VPOS="415" ID="st4-57"/><SP/><String HEIGHT="24" CONTENT="initiative" WIDTH="87" HPOS="585" VPOS="415" ID="st4-58"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="672" VPOS="415" ID="st4-59"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="689" VPOS="415" ID="st4-60"/><SP/><String HEIGHT="24" CONTENT="share" WIDTH="57" HPOS="738" VPOS="415" ID="st4-61"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl4-5" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="196" VPOS="451" ID="st4-62"/><SP/><String HEIGHT="24" CONTENT="valuable" WIDTH="87" HPOS="252" VPOS="451" ID="st4-63"/><SP/><String HEIGHT="24" CONTENT="experience" WIDTH="114" HPOS="346" VPOS="451" ID="st4-64"/><SP/><String HEIGHT="24" CONTENT="without" WIDTH="84" HPOS="467" VPOS="451" ID="st4-65"/><SP/><String HEIGHT="24" CONTENT="fear" WIDTH="41" HPOS="558" VPOS="451" ID="st4-66"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="606" VPOS="451" ID="st4-67"/><SP/><String HEIGHT="24" CONTENT="retaliation" WIDTH="104" HPOS="635" VPOS="451" ID="st4-68"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="739" VPOS="451" ID="st4-69"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="756" VPOS="451" ID="st4-70"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl4-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="combined" WIDTH="107" HPOS="196" VPOS="488" ID="st4-71"/><SP/><String HEIGHT="23" CONTENT="assets" WIDTH="63" HPOS="317" VPOS="488" ID="st4-72"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="394" VPOS="488" ID="st4-73"/><SP/><String HEIGHT="23" CONTENT="employment" WIDTH="134" HPOS="448" VPOS="488" ID="st4-74"/><SP/><String HEIGHT="23" CONTENT="footprint" WIDTH="95" HPOS="596" VPOS="488" ID="st4-75"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="705" VPOS="488" ID="st4-76"/><SP/><String HEIGHT="23" CONTENT="large" WIDTH="53" HPOS="742" VPOS="488" ID="st4-77"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl4-7" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="banks" WIDTH="63" HPOS="196" VPOS="524" ID="st4-78"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="269" VPOS="524" ID="st4-79"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="299" VPOS="524" ID="st4-80"/><SP/><String HEIGHT="23" CONTENT="U" WIDTH="11" HPOS="344" VPOS="524" ID="st4-81"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="355" VPOS="524" ID="st4-82"/><String HEIGHT="23" CONTENT="S" WIDTH="11" HPOS="366" VPOS="524" ID="st4-83"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="377" VPOS="524" ID="st4-84"/><SP/><String HEIGHT="23" CONTENT="suggests" WIDTH="92" HPOS="398" VPOS="524" ID="st4-85"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="500" VPOS="524" ID="st4-86"/><SP/><String HEIGHT="23" CONTENT="even" WIDTH="50" HPOS="554" VPOS="524" ID="st4-87"/><SP/><String HEIGHT="23" CONTENT="changes" WIDTH="88" HPOS="614" VPOS="524" ID="st4-88"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="712" VPOS="524" ID="st4-89"/><SP/><String HEIGHT="23" CONTENT="indi" WIDTH="38" HPOS="748" VPOS="524" ID="st4-90" SUBS_TYPE="HypPart1" SUBS_CONTENT="individual"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="524" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl4-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="vidual" WIDTH="63" HPOS="196" VPOS="560" ID="st4-91" SUBS_TYPE="HypPart2" SUBS_CONTENT="individual"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="265" VPOS="560" ID="st4-92"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="388" VPOS="560" ID="st4-93"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="453" VPOS="560" ID="st4-94"/><SP/><String HEIGHT="24" CONTENT="powerful" WIDTH="96" HPOS="509" VPOS="560" ID="st4-95"/><SP/><String HEIGHT="24" CONTENT="knock" WIDTH="62" HPOS="611" VPOS="560" ID="st4-96"/><String HEIGHT="24" CONTENT="-" WIDTH="13" HPOS="673" VPOS="560" ID="st4-97"/><String HEIGHT="24" CONTENT="on" WIDTH="25" HPOS="686" VPOS="560" ID="st4-98"/><SP/><String HEIGHT="24" CONTENT="effects" WIDTH="68" HPOS="717" VPOS="560" ID="st4-99"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="785" VPOS="560" ID="st4-100"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl4-9" WIDTH="576" HEIGHT="24"><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="196" VPOS="596" ID="st4-101"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="253" VPOS="596" ID="st4-102"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="280" VPOS="596" ID="st4-103"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="321" VPOS="596" ID="st4-104"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="417" VPOS="596" ID="st4-105"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="488" VPOS="596" ID="st4-106"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="535" VPOS="596" ID="st4-107"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="562" VPOS="596" ID="st4-108"/><SP/><String HEIGHT="24" CONTENT="wider" WIDTH="60" HPOS="603" VPOS="596" ID="st4-109"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="89" HPOS="670" VPOS="596" ID="st4-110"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="759" VPOS="596" ID="st4-111"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl4-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Unions" WIDTH="74" HPOS="196" VPOS="668" ID="st4-112"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="280" VPOS="668" ID="st4-113"/><SP/><String HEIGHT="24" CONTENT="already" WIDTH="76" HPOS="324" VPOS="668" ID="st4-114"/><SP/><String HEIGHT="24" CONTENT="functional" WIDTH="107" HPOS="410" VPOS="668" ID="st4-115"/><SP/><String HEIGHT="24" CONTENT="partners" WIDTH="88" HPOS="527" VPOS="668" ID="st4-116"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="625" VPOS="668" ID="st4-117"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="655" VPOS="668" ID="st4-118"/><SP/><String HEIGHT="24" CONTENT="manage" WIDTH="82" HPOS="700" VPOS="668" ID="st4-119" SUBS_TYPE="HypPart1" SUBS_CONTENT="management"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="668" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl4-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ment" WIDTH="56" HPOS="196" VPOS="704" ID="st4-120" SUBS_TYPE="HypPart2" SUBS_CONTENT="management"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="263" VPOS="704" ID="st4-121"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="296" VPOS="704" ID="st4-122"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="342" VPOS="704" ID="st4-123"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="442" VPOS="704" ID="st4-124"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="517" VPOS="704" ID="st4-125"/><SP/><String HEIGHT="24" CONTENT="economies" WIDTH="114" HPOS="548" VPOS="704" ID="st4-126"/><SP/><String HEIGHT="24" CONTENT="around" WIDTH="76" HPOS="673" VPOS="704" ID="st4-127"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="704" ID="st4-128"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl4-12" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="world" WIDTH="57" HPOS="196" VPOS="740" ID="st4-129"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="253" VPOS="740" ID="st4-130"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="277" VPOS="740" ID="st4-131"/><SP/><String HEIGHT="24" CONTENT="international" WIDTH="136" HPOS="328" VPOS="740" ID="st4-132"/><SP/><String HEIGHT="24" CONTENT="examples" WIDTH="99" HPOS="477" VPOS="740" ID="st4-133"/><SP/><String HEIGHT="24" CONTENT="offered" WIDTH="78" HPOS="588" VPOS="740" ID="st4-134"/><SP/><String HEIGHT="24" CONTENT="here" WIDTH="47" HPOS="678" VPOS="740" ID="st4-135"/><SP/><String HEIGHT="24" CONTENT="show" WIDTH="57" HPOS="737" VPOS="740" ID="st4-136"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl4-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="that" WIDTH="44" HPOS="196" VPOS="776" ID="st4-137"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="72" HPOS="252" VPOS="776" ID="st4-138"/><SP/><String HEIGHT="24" CONTENT="act" WIDTH="32" HPOS="336" VPOS="776" ID="st4-139"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="381" VPOS="776" ID="st4-140"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="415" VPOS="776" ID="st4-141"/><SP/><String HEIGHT="24" CONTENT="countervailing" WIDTH="152" HPOS="440" VPOS="776" ID="st4-142"/><SP/><String HEIGHT="24" CONTENT="force" WIDTH="54" HPOS="604" VPOS="776" ID="st4-143"/><SP/><String HEIGHT="24" CONTENT="against" WIDTH="77" HPOS="671" VPOS="776" ID="st4-144"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="776" ID="st4-145"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl4-14" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="negative" WIDTH="91" HPOS="196" VPOS="813" ID="st4-146"/><SP/><String HEIGHT="23" CONTENT="effects" WIDTH="70" HPOS="298" VPOS="813" ID="st4-147"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="379" VPOS="813" ID="st4-148"/><SP/><String HEIGHT="23" CONTENT="financialization" WIDTH="160" HPOS="413" VPOS="813" ID="st4-149"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="584" VPOS="813" ID="st4-150"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="635" VPOS="813" ID="st4-151"/><SP/><String HEIGHT="23" CONTENT="bolstered" WIDTH="99" HPOS="696" VPOS="813" ID="st4-152"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl4-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="196" VPOS="849" ID="st4-153"/><SP/><String HEIGHT="23" CONTENT="resilience" WIDTH="97" HPOS="244" VPOS="849" ID="st4-154"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="354" VPOS="849" ID="st4-155"/><SP/><String HEIGHT="23" CONTENT="stability" WIDTH="81" HPOS="407" VPOS="849" ID="st4-156"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="500" VPOS="849" ID="st4-157"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="49" HPOS="535" VPOS="849" ID="st4-158"/><SP/><String HEIGHT="23" CONTENT="domestic" WIDTH="97" HPOS="596" VPOS="849" ID="st4-159"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="90" HPOS="705" VPOS="849" ID="st4-160"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl4-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="systems" WIDTH="77" HPOS="196" VPOS="885" ID="st4-161"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="273" VPOS="885" ID="st4-162"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="296" VPOS="885" ID="st4-163"/><SP/><String HEIGHT="24" CONTENT="continental" WIDTH="120" HPOS="326" VPOS="885" ID="st4-164"/><SP/><String HEIGHT="24" CONTENT="Europe" WIDTH="69" HPOS="457" VPOS="885" ID="st4-165"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="526" VPOS="885" ID="st4-166"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="113" HPOS="549" VPOS="885" ID="st4-167"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="673" VPOS="885" ID="st4-168"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="724" VPOS="885" ID="st4-169"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl4-17" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="196" VPOS="921" ID="st4-170"/><SP/><String HEIGHT="24" CONTENT="country" WIDTH="80" HPOS="254" VPOS="921" ID="st4-171"/><SP/><String HEIGHT="24" CONTENT="operations" WIDTH="113" HPOS="340" VPOS="921" ID="st4-172"/><SP/><String HEIGHT="24" CONTENT="sit" WIDTH="24" HPOS="459" VPOS="921" ID="st4-173"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="489" VPOS="921" ID="st4-174"/><SP/><String HEIGHT="24" CONTENT="European" WIDTH="101" HPOS="523" VPOS="921" ID="st4-175"/><SP/><String HEIGHT="24" CONTENT="Works" WIDTH="67" HPOS="631" VPOS="921" ID="st4-176"/><SP/><String HEIGHT="24" CONTENT="Councils" WIDTH="91" HPOS="704" VPOS="921" ID="st4-177"/></TextLine><TextLine HPOS="196" VPOS="957" ID="tl4-18" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="196" VPOS="957" ID="st4-178"/><String HEIGHT="24" CONTENT="EWCs" WIDTH="52" HPOS="208" VPOS="957" ID="st4-179"/><String HEIGHT="24" CONTENT=")" WIDTH="13" HPOS="260" VPOS="957" ID="st4-180"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="279" VPOS="957" ID="st4-181"/><SP/><String HEIGHT="24" CONTENT="frequently" WIDTH="107" HPOS="326" VPOS="957" ID="st4-182"/><SP/><String HEIGHT="24" CONTENT="consult" WIDTH="76" HPOS="440" VPOS="957" ID="st4-183"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="522" VPOS="957" ID="st4-184"/><SP/><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="576" VPOS="957" ID="st4-185"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="135" HPOS="646" VPOS="957" ID="st4-186"/><String HEIGHT="24" CONTENT="." WIDTH="14" HPOS="781" VPOS="957" ID="st4-187"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl4-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="196" VPOS="993" ID="st4-188"/><String HEIGHT="24" CONTENT="Employees" WIDTH="115" HPOS="208" VPOS="993" ID="st4-189"/><SP/><String HEIGHT="24" CONTENT="often" WIDTH="58" HPOS="335" VPOS="993" ID="st4-190"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="405" VPOS="993" ID="st4-191"/><SP/><String HEIGHT="24" CONTENT="hands" WIDTH="63" HPOS="467" VPOS="993" ID="st4-192"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="530" VPOS="993" ID="st4-193"/><String HEIGHT="24" CONTENT="on" WIDTH="26" HPOS="542" VPOS="993" ID="st4-194"/><SP/><String HEIGHT="24" CONTENT="problems" WIDTH="98" HPOS="580" VPOS="993" ID="st4-195"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="690" VPOS="993" ID="st4-196"/><SP/><String HEIGHT="24" CONTENT="chal" WIDTH="42" HPOS="743" VPOS="993" ID="st4-197" SUBS_TYPE="HypPart1" SUBS_CONTENT="challenges"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="993" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl4-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="lenges" WIDTH="68" HPOS="196" VPOS="1029" ID="st4-198" SUBS_TYPE="HypPart2" SUBS_CONTENT="challenges"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="273" VPOS="1029" ID="st4-199"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="302" VPOS="1029" ID="st4-200"/><SP/><String HEIGHT="24" CONTENT="daily" WIDTH="49" HPOS="345" VPOS="1029" ID="st4-201"/><SP/><String HEIGHT="24" CONTENT="work" WIDTH="54" HPOS="403" VPOS="1029" ID="st4-202"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="466" VPOS="1029" ID="st4-203"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="494" VPOS="1029" ID="st4-204"/><String HEIGHT="24" CONTENT="[" WIDTH="10" HPOS="538" VPOS="1029" ID="st4-205"/><String HEIGHT="24" CONTENT="banks" WIDTH="52" HPOS="548" VPOS="1029" ID="st4-206"/><String HEIGHT="24" CONTENT="]" WIDTH="10" HPOS="600" VPOS="1029" ID="st4-207"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="610" VPOS="1029" ID="st4-208"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="630" VPOS="1029" ID="st4-209"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="702" VPOS="1029" ID="st4-210"/><SP/><String HEIGHT="24" CONTENT="gain" WIDTH="46" HPOS="749" VPOS="1029" ID="st4-211"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl4-21" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="196" VPOS="1065" ID="st4-212"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="253" VPOS="1065" ID="st4-213"/><SP/><String HEIGHT="24" CONTENT="information" WIDTH="125" HPOS="297" VPOS="1065" ID="st4-214"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="428" VPOS="1065" ID="st4-215"/><SP/><String HEIGHT="24" CONTENT="planning" WIDTH="93" HPOS="494" VPOS="1065" ID="st4-216"/><SP/><String HEIGHT="24" CONTENT="changes" WIDTH="88" HPOS="594" VPOS="1065" ID="st4-217"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="682" VPOS="1065" ID="st4-218"/><String HEIGHT="24" CONTENT="(" WIDTH="8" HPOS="701" VPOS="1065" ID="st4-219"/><String HEIGHT="24" CONTENT="IF" WIDTH="16" HPOS="709" VPOS="1065" ID="st4-220"/><SP/><String HEIGHT="24" CONTENT="Union" WIDTH="64" HPOS="731" VPOS="1065" ID="st4-221"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl4-22" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Team" WIDTH="50" HPOS="196" VPOS="1101" ID="st4-222"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="246" VPOS="1101" ID="st4-223"/><SP/><String HEIGHT="24" CONTENT="Union" WIDTH="64" HPOS="267" VPOS="1101" ID="st4-224"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="340" VPOS="1101" ID="st4-225"/><SP/><String HEIGHT="24" CONTENT="Nordea" WIDTH="77" HPOS="368" VPOS="1101" ID="st4-226"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="454" VPOS="1101" ID="st4-227"/><SP/><String HEIGHT="24" CONTENT="Danske" WIDTH="78" HPOS="502" VPOS="1101" ID="st4-228"/><SP/><String HEIGHT="24" CONTENT="Unions" WIDTH="68" HPOS="589" VPOS="1101" ID="st4-229"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="657" VPOS="1101" ID="st4-230"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="46" HPOS="678" VPOS="1101" ID="st4-231"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="724" VPOS="1101" ID="st4-232"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="735" VPOS="1101" ID="st4-233"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="756" VPOS="1101" ID="st4-234"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl4-23" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="model" WIDTH="67" HPOS="196" VPOS="1138" ID="st4-235"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="275" VPOS="1138" ID="st4-236"/><SP/><String HEIGHT="23" CONTENT="co" WIDTH="23" HPOS="308" VPOS="1138" ID="st4-237"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="331" VPOS="1138" ID="st4-238"/><String HEIGHT="23" CONTENT="determination" WIDTH="151" HPOS="342" VPOS="1138" ID="st4-239"/><SP/><String HEIGHT="23" CONTENT="used" WIDTH="50" HPOS="504" VPOS="1138" ID="st4-240"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="566" VPOS="1138" ID="st4-241"/><SP/><String HEIGHT="23" CONTENT="Europe" WIDTH="70" HPOS="597" VPOS="1138" ID="st4-242"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="667" VPOS="1138" ID="st4-243"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="690" VPOS="1138" ID="st4-244"/><SP/><String HEIGHT="23" CONTENT="most" WIDTH="53" HPOS="742" VPOS="1138" ID="st4-245"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl4-24" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="well" WIDTH="50" HPOS="196" VPOS="1174" ID="st4-246"/><String HEIGHT="23" CONTENT="-" WIDTH="12" HPOS="246" VPOS="1174" ID="st4-247"/><String HEIGHT="23" CONTENT="known" WIDTH="63" HPOS="258" VPOS="1174" ID="st4-248"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="327" VPOS="1174" ID="st4-249"/><SP/><String HEIGHT="23" CONTENT="Germany" WIDTH="89" HPOS="352" VPOS="1174" ID="st4-250"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="441" VPOS="1174" ID="st4-251"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="15" HPOS="460" VPOS="1174" ID="st4-252"/><SP/><String HEIGHT="23" CONTENT="correlated" WIDTH="107" HPOS="481" VPOS="1174" ID="st4-253"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="48" HPOS="593" VPOS="1174" ID="st4-254"/><SP/><String HEIGHT="23" CONTENT="improved" WIDTH="100" HPOS="646" VPOS="1174" ID="st4-255"/><SP/><String HEIGHT="23" CONTENT="firm" WIDTH="43" HPOS="752" VPOS="1174" ID="st4-256"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl4-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="performance" WIDTH="137" HPOS="196" VPOS="1210" ID="st4-257"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="344" VPOS="1210" ID="st4-258"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="378" VPOS="1210" ID="st4-259"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="433" VPOS="1210" ID="st4-260"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="466" VPOS="1210" ID="st4-261"/><SP/><String HEIGHT="24" CONTENT="stronger" WIDTH="89" HPOS="525" VPOS="1210" ID="st4-262"/><SP/><String HEIGHT="24" CONTENT="macroeconomic" WIDTH="170" HPOS="625" VPOS="1210" ID="st4-263"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl4-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="indicators" WIDTH="100" HPOS="196" VPOS="1246" ID="st4-264"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="296" VPOS="1246" ID="st4-265"/><SP/><String HEIGHT="24" CONTENT="Research" WIDTH="94" HPOS="317" VPOS="1246" ID="st4-266"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="422" VPOS="1246" ID="st4-267"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="461" VPOS="1246" ID="st4-268"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="507" VPOS="1246" ID="st4-269"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="572" VPOS="1246" ID="st4-270"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="659" VPOS="1246" ID="st4-271"/><SP/><String HEIGHT="24" CONTENT="Argentina" WIDTH="106" HPOS="689" VPOS="1246" ID="st4-272"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl4-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="demonstrates" WIDTH="145" HPOS="196" VPOS="1282" ID="st4-273"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="347" VPOS="1282" ID="st4-274"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="396" VPOS="1282" ID="st4-275"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="55" HPOS="470" VPOS="1282" ID="st4-276"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="116" HPOS="531" VPOS="1282" ID="st4-277"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="654" VPOS="1282" ID="st4-278"/><SP/><String HEIGHT="24" CONTENT="mac" WIDTH="40" HPOS="742" VPOS="1282" ID="st4-279" SUBS_TYPE="HypPart1" SUBS_CONTENT="macroeconomic"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="1282" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl4-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="roeconomic" WIDTH="125" HPOS="196" VPOS="1318" ID="st4-280" SUBS_TYPE="HypPart2" SUBS_CONTENT="macroeconomic"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="76" HPOS="328" VPOS="1318" ID="st4-281"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="404" VPOS="1318" ID="st4-282"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="420" VPOS="1318" ID="st4-283"/><SP/><String HEIGHT="24" CONTENT="spite" WIDTH="50" HPOS="446" VPOS="1318" ID="st4-284"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="503" VPOS="1318" ID="st4-285"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="532" VPOS="1318" ID="st4-286"/><SP/><String HEIGHT="24" CONTENT="successes" WIDTH="96" HPOS="596" VPOS="1318" ID="st4-287"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="692" VPOS="1318" ID="st4-288"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="710" VPOS="1318" ID="st4-289"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="752" VPOS="1318" ID="st4-290"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="762" VPOS="1318" ID="st4-291"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="773" VPOS="1318" ID="st4-292"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="1318" ID="st4-293"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl4-29" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="remains" WIDTH="83" HPOS="196" VPOS="1354" ID="st4-294"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="289" VPOS="1354" ID="st4-295"/><SP/><String HEIGHT="24" CONTENT="outlier" WIDTH="68" HPOS="325" VPOS="1354" ID="st4-296"/><SP/><String HEIGHT="24" CONTENT="among" WIDTH="75" HPOS="403" VPOS="1354" ID="st4-297"/><SP/><String HEIGHT="24" CONTENT="advanced" WIDTH="101" HPOS="488" VPOS="1354" ID="st4-298"/><SP/><String HEIGHT="24" CONTENT="economies" WIDTH="114" HPOS="599" VPOS="1354" ID="st4-299"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="723" VPOS="1354" ID="st4-300"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="752" VPOS="1354" ID="st4-301"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl4-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="nearly" WIDTH="64" HPOS="196" VPOS="1390" ID="st4-302"/><SP/><String HEIGHT="24" CONTENT="all" WIDTH="24" HPOS="266" VPOS="1390" ID="st4-303"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="296" VPOS="1390" ID="st4-304"/><SP/><String HEIGHT="24" CONTENT="lack" WIDTH="42" HPOS="414" VPOS="1390" ID="st4-305"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="461" VPOS="1390" ID="st4-306"/><SP/><String HEIGHT="24" CONTENT="independent" WIDTH="135" HPOS="494" VPOS="1390" ID="st4-307"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="634" VPOS="1390" ID="st4-308"/><SP/><String HEIGHT="24" CONTENT="voice" WIDTH="54" HPOS="715" VPOS="1390" ID="st4-309"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1390" ID="st4-310"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl4-31" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1426" ID="st4-311"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="88" HPOS="237" VPOS="1426" ID="st4-312"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="331" VPOS="1426" ID="st4-313"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="400" VPOS="1426" ID="st4-314"/><String HEIGHT="24" CONTENT="A" WIDTH="10" HPOS="410" VPOS="1426" ID="st4-315"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="420" VPOS="1426" ID="st4-316"/><SP/><String HEIGHT="24" CONTENT="DiCristo" WIDTH="80" HPOS="437" VPOS="1426" ID="st4-317"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="517" VPOS="1426" ID="st4-318"/><SP/><String HEIGHT="24" CONTENT="personal" WIDTH="90" HPOS="534" VPOS="1426" ID="st4-319"/><SP/><String HEIGHT="24" CONTENT="communication" WIDTH="165" HPOS="630" VPOS="1426" ID="st4-320"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl4-32" WIDTH="315" HEIGHT="23"><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="196" VPOS="1463" ID="st4-321"/><SP/><String HEIGHT="23" CONTENT="author" WIDTH="64" HPOS="226" VPOS="1463" ID="st4-322"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="290" VPOS="1463" ID="st4-323"/><SP/><String HEIGHT="23" CONTENT="22" WIDTH="28" HPOS="308" VPOS="1463" ID="st4-324"/><SP/><String HEIGHT="23" CONTENT="February" WIDTH="91" HPOS="343" VPOS="1463" ID="st4-325"/><SP/><String HEIGHT="23" CONTENT="2018" WIDTH="46" HPOS="441" VPOS="1463" ID="st4-326"/><String HEIGHT="23" CONTENT=")" WIDTH="12" HPOS="487" VPOS="1463" ID="st4-327"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="499" VPOS="1463" ID="st4-328"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl4-33" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="196" VPOS="1535" ID="st4-329"/><SP/><String HEIGHT="24" CONTENT="paper" WIDTH="62" HPOS="253" VPOS="1535" ID="st4-330"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="37" HPOS="329" VPOS="1535" ID="st4-331"/><SP/><String HEIGHT="24" CONTENT="begin" WIDTH="60" HPOS="380" VPOS="1535" ID="st4-332"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="455" VPOS="1535" ID="st4-333"/><SP/><String HEIGHT="24" CONTENT="examining" WIDTH="110" HPOS="495" VPOS="1535" ID="st4-334"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="620" VPOS="1535" ID="st4-335"/><SP/><String HEIGHT="24" CONTENT="context" WIDTH="80" HPOS="670" VPOS="1535" ID="st4-336"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="764" VPOS="1535" ID="st4-337"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl4-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="196" VPOS="1571" ID="st4-338"/><String HEIGHT="24" CONTENT="regulation" WIDTH="114" HPOS="207" VPOS="1571" ID="st4-339"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="343" VPOS="1571" ID="st4-340"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="58" HPOS="417" VPOS="1571" ID="st4-341"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="475" VPOS="1571" ID="st4-342"/><String HEIGHT="24" CONTENT="—" WIDTH="11" HPOS="487" VPOS="1571" ID="st4-343"/><String HEIGHT="24" CONTENT="financialization" WIDTH="188" HPOS="498" VPOS="1571" ID="st4-344"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="708" VPOS="1571" ID="st4-345"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="771" VPOS="1571" ID="st4-346"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl4-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="impact" WIDTH="73" HPOS="196" VPOS="1607" ID="st4-347"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="281" VPOS="1607" ID="st4-348"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="322" VPOS="1607" ID="st4-349"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="84" HPOS="369" VPOS="1607" ID="st4-350"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="90" HPOS="465" VPOS="1607" ID="st4-351"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="555" VPOS="1607" ID="st4-352"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="580" VPOS="1607" ID="st4-353"/><SP/><String HEIGHT="24" CONTENT="second" WIDTH="75" HPOS="632" VPOS="1607" ID="st4-354"/><SP/><String HEIGHT="24" CONTENT="section" WIDTH="76" HPOS="719" VPOS="1607" ID="st4-355"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl4-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="196" VPOS="1643" ID="st4-356"/><SP/><String HEIGHT="24" CONTENT="consider" WIDTH="89" HPOS="241" VPOS="1643" ID="st4-357"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="339" VPOS="1643" ID="st4-358"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="383" VPOS="1643" ID="st4-359"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="481" VPOS="1643" ID="st4-360"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="554" VPOS="1643" ID="st4-361"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="582" VPOS="1643" ID="st4-362"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="626" VPOS="1643" ID="st4-363"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="636" VPOS="1643" ID="st4-364"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="647" VPOS="1643" ID="st4-365"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="658" VPOS="1643" ID="st4-366"/><SP/><String HEIGHT="24" CONTENT="specifically" WIDTH="108" HPOS="678" VPOS="1643" ID="st4-367"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="786" VPOS="1643" ID="st4-368"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl4-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="including" WIDTH="98" HPOS="196" VPOS="1679" ID="st4-369"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="301" VPOS="1679" ID="st4-370"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="344" VPOS="1679" ID="st4-371"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="391" VPOS="1679" ID="st4-372"/><SP/><String HEIGHT="24" CONTENT="deregulation" WIDTH="135" HPOS="421" VPOS="1679" ID="st4-373"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="563" VPOS="1679" ID="st4-374"/><SP/><String HEIGHT="24" CONTENT="persistent" WIDTH="103" HPOS="611" VPOS="1679" ID="st4-375"/><SP/><String HEIGHT="24" CONTENT="risks" WIDTH="46" HPOS="722" VPOS="1679" ID="st4-376"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1679" ID="st4-377"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl4-38" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="banks" WIDTH="58" HPOS="196" VPOS="1715" ID="st4-378"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="254" VPOS="1715" ID="st4-379"/><SP/><String HEIGHT="24" CONTENT="operations" WIDTH="108" HPOS="276" VPOS="1715" ID="st4-380"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="384" VPOS="1715" ID="st4-381"/><SP/><String HEIGHT="24" CONTENT="Two" WIDTH="44" HPOS="405" VPOS="1715" ID="st4-382"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="46" HPOS="459" VPOS="1715" ID="st4-383"/><SP/><String HEIGHT="24" CONTENT="studies" WIDTH="73" HPOS="515" VPOS="1715" ID="st4-384"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="598" VPOS="1715" ID="st4-385"/><SP/><String HEIGHT="24" CONTENT="illustrate" WIDTH="90" HPOS="645" VPOS="1715" ID="st4-386"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="745" VPOS="1715" ID="st4-387"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl4-39" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1751" ID="st4-388"/><SP/><String HEIGHT="24" CONTENT="nature" WIDTH="69" HPOS="241" VPOS="1751" ID="st4-389"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="320" VPOS="1751" ID="st4-390"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="352" VPOS="1751" ID="st4-391"/><SP/><String HEIGHT="24" CONTENT="risks" WIDTH="46" HPOS="397" VPOS="1751" ID="st4-392"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="452" VPOS="1751" ID="st4-393"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="503" VPOS="1751" ID="st4-394"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="547" VPOS="1751" ID="st4-395"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="597" VPOS="1751" ID="st4-396"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="650" VPOS="1751" ID="st4-397"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="745" VPOS="1751" ID="st4-398"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl4-40" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="played" WIDTH="70" HPOS="196" VPOS="1788" ID="st4-399"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="276" VPOS="1788" ID="st4-400"/><SP/><String HEIGHT="23" CONTENT="addressing" WIDTH="114" HPOS="306" VPOS="1788" ID="st4-401"/><SP/><String HEIGHT="23" CONTENT="them" WIDTH="49" HPOS="430" VPOS="1788" ID="st4-402"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="479" VPOS="1788" ID="st4-403"/><SP/><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="503" VPOS="1788" ID="st4-404"/><SP/><String HEIGHT="23" CONTENT="third" WIDTH="50" HPOS="552" VPOS="1788" ID="st4-405"/><SP/><String HEIGHT="23" CONTENT="section" WIDTH="75" HPOS="612" VPOS="1788" ID="st4-406"/><SP/><String HEIGHT="23" CONTENT="describes" WIDTH="97" HPOS="698" VPOS="1788" ID="st4-407"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl4-41" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1824" ID="st4-408"/><SP/><String HEIGHT="23" CONTENT="structural" WIDTH="100" HPOS="238" VPOS="1824" ID="st4-409"/><SP/><String HEIGHT="23" CONTENT="benefits" WIDTH="85" HPOS="344" VPOS="1824" ID="st4-410"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="436" VPOS="1824" ID="st4-411"/><SP/><String HEIGHT="23" CONTENT="benefits" WIDTH="84" HPOS="483" VPOS="1824" ID="st4-412"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="30" HPOS="574" VPOS="1824" ID="st4-413"/><SP/><String HEIGHT="23" CONTENT="transparency" WIDTH="136" HPOS="611" VPOS="1824" ID="st4-414"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="753" VPOS="1824" ID="st4-415"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="782" VPOS="1824" ID="st4-416"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl4-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="unionized" WIDTH="105" HPOS="196" VPOS="1860" ID="st4-417"/><SP/><String HEIGHT="24" CONTENT="workforce" WIDTH="103" HPOS="309" VPOS="1860" ID="st4-418"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="412" VPOS="1860" ID="st4-419"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="433" VPOS="1860" ID="st4-420"/><SP/><String HEIGHT="24" CONTENT="fourth" WIDTH="67" HPOS="481" VPOS="1860" ID="st4-421"/><SP/><String HEIGHT="24" CONTENT="section" WIDTH="75" HPOS="557" VPOS="1860" ID="st4-422"/><SP/><String HEIGHT="24" CONTENT="walks" WIDTH="60" HPOS="640" VPOS="1860" ID="st4-423"/><SP/><String HEIGHT="24" CONTENT="through" WIDTH="86" HPOS="709" VPOS="1860" ID="st4-424"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl4-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="several" WIDTH="73" HPOS="196" VPOS="1896" ID="st4-425"/><SP/><String HEIGHT="24" CONTENT="international" WIDTH="135" HPOS="279" VPOS="1896" ID="st4-426"/><SP/><String HEIGHT="24" CONTENT="examples" WIDTH="99" HPOS="424" VPOS="1896" ID="st4-427"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="533" VPOS="1896" ID="st4-428"/><SP/><String HEIGHT="24" CONTENT="how" WIDTH="47" HPOS="565" VPOS="1896" ID="st4-429"/><SP/><String HEIGHT="24" CONTENT="collective" WIDTH="97" HPOS="622" VPOS="1896" ID="st4-430"/><SP/><String HEIGHT="24" CONTENT="action" WIDTH="65" HPOS="730" VPOS="1896" ID="st4-431"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl4-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1932" ID="st4-432"/><SP/><String HEIGHT="24" CONTENT="incorporating" WIDTH="143" HPOS="245" VPOS="1932" ID="st4-433"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="396" VPOS="1932" ID="st4-434"/><SP/><String HEIGHT="24" CONTENT="voices" WIDTH="64" HPOS="479" VPOS="1932" ID="st4-435"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="41" HPOS="552" VPOS="1932" ID="st4-436"/><SP/><String HEIGHT="24" CONTENT="corporate" WIDTH="103" HPOS="601" VPOS="1932" ID="st4-437"/><SP/><String HEIGHT="24" CONTENT="govern" WIDTH="72" HPOS="712" VPOS="1932" ID="st4-438" SUBS_TYPE="HypPart1" SUBS_CONTENT="governance"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1932" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl4-45" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ance" WIDTH="50" HPOS="196" VPOS="1968" ID="st4-439" SUBS_TYPE="HypPart2" SUBS_CONTENT="governance"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="257" VPOS="1968" ID="st4-440"/><SP/><String HEIGHT="24" CONTENT="supported" WIDTH="108" HPOS="319" VPOS="1968" ID="st4-441"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="438" VPOS="1968" ID="st4-442"/><SP/><String HEIGHT="24" CONTENT="mitigation" WIDTH="108" HPOS="485" VPOS="1968" ID="st4-443"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="605" VPOS="1968" ID="st4-444"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="635" VPOS="1968" ID="st4-445"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="50" HPOS="735" VPOS="1968" ID="st4-446"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="785" VPOS="1968" ID="st4-447"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl4-46" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="2004" ID="st4-448"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="237" VPOS="2004" ID="st4-449"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="331" VPOS="2004" ID="st4-450"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="401" VPOS="2004" ID="st4-451"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="428" VPOS="2004" ID="st4-452"/><SP/><String HEIGHT="24" CONTENT="whole" WIDTH="60" HPOS="446" VPOS="2004" ID="st4-453"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="506" VPOS="2004" ID="st4-454"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="524" VPOS="2004" ID="st4-455"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="570" VPOS="2004" ID="st4-456"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="83" HPOS="610" VPOS="2004" ID="st4-457"/><SP/><String HEIGHT="24" CONTENT="domestic" WIDTH="96" HPOS="699" VPOS="2004" ID="st4-458"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl4-47" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="economy" WIDTH="98" HPOS="196" VPOS="2040" ID="st4-459"/><SP/><String HEIGHT="24" CONTENT="–" WIDTH="13" HPOS="301" VPOS="2040" ID="st4-460"/><SP/><String HEIGHT="24" CONTENT="creating" WIDTH="86" HPOS="321" VPOS="2040" ID="st4-461"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="414" VPOS="2040" ID="st4-462"/><SP/><String HEIGHT="24" CONTENT="form" WIDTH="51" HPOS="434" VPOS="2040" ID="st4-463"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="493" VPOS="2040" ID="st4-464"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="522" VPOS="2040" ID="st4-465"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="533" VPOS="2040" ID="st4-466"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="652" VPOS="2040" ID="st4-467"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="60" HPOS="710" VPOS="2040" ID="st4-468"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="770" VPOS="2040" ID="st4-469"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="782" VPOS="2040" ID="st4-470"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl4-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="858" VPOS="307" ID="st4-471"/><SP/><String HEIGHT="24" CONTENT="final" WIDTH="45" HPOS="906" VPOS="307" ID="st4-472"/><SP/><String HEIGHT="24" CONTENT="section" WIDTH="75" HPOS="960" VPOS="307" ID="st4-473"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="1044" VPOS="307" ID="st4-474"/><SP/><String HEIGHT="24" CONTENT="conclude" WIDTH="96" HPOS="1089" VPOS="307" ID="st4-475"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1194" VPOS="307" ID="st4-476"/><SP/><String HEIGHT="24" CONTENT="offer" WIDTH="51" HPOS="1243" VPOS="307" ID="st4-477"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1303" VPOS="307" ID="st4-478"/><SP/><String HEIGHT="24" CONTENT="set" WIDTH="30" HPOS="1325" VPOS="307" ID="st4-479"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1364" VPOS="307" ID="st4-480"/><SP/><String HEIGHT="24" CONTENT="policy" WIDTH="61" HPOS="1395" VPOS="307" ID="st4-481"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl4-49" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="recommendations" WIDTH="191" HPOS="858" VPOS="343" ID="st4-482"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1055" VPOS="343" ID="st4-483"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="52" HPOS="1091" VPOS="343" ID="st4-484"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1149" VPOS="343" ID="st4-485"/><SP/><String HEIGHT="24" CONTENT="policy" WIDTH="61" HPOS="1195" VPOS="343" ID="st4-486"/><SP/><String HEIGHT="24" CONTENT="makers" WIDTH="76" HPOS="1262" VPOS="343" ID="st4-487"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="20" HPOS="1344" VPOS="343" ID="st4-488"/><SP/><String HEIGHT="24" CONTENT="all" WIDTH="24" HPOS="1370" VPOS="343" ID="st4-489"/><SP/><String HEIGHT="24" CONTENT="levels" WIDTH="57" HPOS="1399" VPOS="343" ID="st4-490"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl4-50" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="858" VPOS="379" ID="st4-491"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="889" VPOS="379" ID="st4-492"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="981" VPOS="379" ID="st4-493"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1043" VPOS="379" ID="st4-494"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1137" VPOS="379" ID="st4-495"/><SP/><String HEIGHT="24" CONTENT="creating" WIDTH="86" HPOS="1166" VPOS="379" ID="st4-496"/><SP/><String HEIGHT="24" CONTENT="useful" WIDTH="64" HPOS="1261" VPOS="379" ID="st4-497"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="1334" VPOS="379" ID="st4-498"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="1345" VPOS="379" ID="st4-499"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl4-51" WIDTH="142" HEIGHT="24"><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="858" VPOS="415" ID="st4-500"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="60" HPOS="916" VPOS="415" ID="st4-501"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="976" VPOS="415" ID="st4-502"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="988" VPOS="415" ID="st4-503"/></TextLine><TextLine HPOS="858" VPOS="516" ID="tl4-52" WIDTH="465" HEIGHT="34"><String HEIGHT="34" CONTENT="Section" WIDTH="112" HPOS="858" VPOS="516" ID="st4-504"/><SP/><String HEIGHT="34" CONTENT="1" WIDTH="15" HPOS="980" VPOS="516" ID="st4-505"/><String HEIGHT="34" CONTENT=":" WIDTH="15" HPOS="995" VPOS="516" ID="st4-506"/><SP/><String HEIGHT="34" CONTENT="Financialization" WIDTH="235" HPOS="1020" VPOS="516" ID="st4-507"/><SP/><String HEIGHT="34" CONTENT="and" WIDTH="58" HPOS="1265" VPOS="516" ID="st4-508"/></TextLine><TextLine HPOS="858" VPOS="552" ID="tl4-53" WIDTH="311" HEIGHT="34"><String HEIGHT="34" CONTENT="the" WIDTH="50" HPOS="858" VPOS="552" ID="st4-509"/><SP/><String HEIGHT="34" CONTENT="Global" WIDTH="100" HPOS="918" VPOS="552" ID="st4-510"/><SP/><String HEIGHT="34" CONTENT="Economy" WIDTH="141" HPOS="1028" VPOS="552" ID="st4-511"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl4-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Trends" WIDTH="68" HPOS="858" VPOS="632" ID="st4-512"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="932" VPOS="632" ID="st4-513"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="958" VPOS="632" ID="st4-514"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="66" HPOS="999" VPOS="632" ID="st4-515"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="97" HPOS="1071" VPOS="632" ID="st4-516"/><SP/><String HEIGHT="24" CONTENT="since" WIDTH="53" HPOS="1175" VPOS="632" ID="st4-517"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1234" VPOS="632" ID="st4-518"/><SP/><String HEIGHT="24" CONTENT="1970s" WIDTH="66" HPOS="1275" VPOS="632" ID="st4-519"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1347" VPOS="632" ID="st4-520"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="1403" VPOS="632" ID="st4-521"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl4-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="characterized" WIDTH="141" HPOS="858" VPOS="668" ID="st4-522"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1006" VPOS="668" ID="st4-523"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1038" VPOS="668" ID="st4-524"/><SP/><String HEIGHT="24" CONTENT="marked" WIDTH="81" HPOS="1057" VPOS="668" ID="st4-525"/><SP/><String HEIGHT="24" CONTENT="increase" WIDTH="85" HPOS="1145" VPOS="668" ID="st4-526"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1237" VPOS="668" ID="st4-527"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="103" HPOS="1263" VPOS="668" ID="st4-528"/><SP/><String HEIGHT="24" CONTENT="instabil" WIDTH="74" HPOS="1373" VPOS="668" ID="st4-529" SUBS_TYPE="HypPart1" SUBS_CONTENT="instability"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="668" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl4-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ity" WIDTH="25" HPOS="858" VPOS="704" ID="st4-530" SUBS_TYPE="HypPart2" SUBS_CONTENT="instability"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="894" VPOS="704" ID="st4-531"/><SP/><String HEIGHT="24" CONTENT="inequality" WIDTH="98" HPOS="946" VPOS="704" ID="st4-532"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1044" VPOS="704" ID="st4-533"/><SP/><String HEIGHT="24" CONTENT="We" WIDTH="36" HPOS="1065" VPOS="704" ID="st4-534"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1112" VPOS="704" ID="st4-535"/><SP/><String HEIGHT="24" CONTENT="experienced" WIDTH="128" HPOS="1173" VPOS="704" ID="st4-536"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1313" VPOS="704" ID="st4-537"/><SP/><String HEIGHT="24" CONTENT="intense" WIDTH="77" HPOS="1379" VPOS="704" ID="st4-538"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl4-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="boom" WIDTH="51" HPOS="858" VPOS="740" ID="st4-539"/><String HEIGHT="24" CONTENT="-" WIDTH="13" HPOS="909" VPOS="740" ID="st4-540"/><String HEIGHT="24" CONTENT="bust" WIDTH="52" HPOS="922" VPOS="740" ID="st4-541"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="103" HPOS="979" VPOS="740" ID="st4-542"/><SP/><String HEIGHT="24" CONTENT="cycles" WIDTH="61" HPOS="1087" VPOS="740" ID="st4-543"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1153" VPOS="740" ID="st4-544"/><SP/><String HEIGHT="24" CONTENT="disturbing" WIDTH="106" HPOS="1199" VPOS="740" ID="st4-545"/><SP/><String HEIGHT="24" CONTENT="long" WIDTH="46" HPOS="1311" VPOS="740" ID="st4-546"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="1357" VPOS="740" ID="st4-547"/><String HEIGHT="24" CONTENT="term" WIDTH="47" HPOS="1369" VPOS="740" ID="st4-548"/><SP/><String HEIGHT="24" CONTENT="mi" WIDTH="24" HPOS="1421" VPOS="740" ID="st4-549" SUBS_TYPE="HypPart1" SUBS_CONTENT="microeconomic"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="740" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl4-58" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="croeconomic" WIDTH="135" HPOS="858" VPOS="776" ID="st4-550" SUBS_TYPE="HypPart2" SUBS_CONTENT="microeconomic"/><SP/><String HEIGHT="24" CONTENT="trends" WIDTH="66" HPOS="1001" VPOS="776" ID="st4-551"/><SP/><String HEIGHT="24" CONTENT="such" WIDTH="49" HPOS="1075" VPOS="776" ID="st4-552"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1132" VPOS="776" ID="st4-553"/><SP/><String HEIGHT="24" CONTENT="crumbling" WIDTH="107" HPOS="1161" VPOS="776" ID="st4-554"/><SP/><String HEIGHT="24" CONTENT="public" WIDTH="64" HPOS="1276" VPOS="776" ID="st4-555"/><SP/><String HEIGHT="24" CONTENT="infrastruc" WIDTH="99" HPOS="1348" VPOS="776" ID="st4-556" SUBS_TYPE="HypPart1" SUBS_CONTENT="infrastructure"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="776" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl4-59" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="ture" WIDTH="40" HPOS="858" VPOS="813" ID="st4-557" SUBS_TYPE="HypPart2" SUBS_CONTENT="infrastructure"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="898" VPOS="813" ID="st4-558"/><SP/><String HEIGHT="23" CONTENT="bankrupt" WIDTH="98" HPOS="919" VPOS="813" ID="st4-559"/><SP/><String HEIGHT="23" CONTENT="municipalities" WIDTH="141" HPOS="1029" VPOS="813" ID="st4-560"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1170" VPOS="813" ID="st4-561"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1193" VPOS="813" ID="st4-562"/><SP/><String HEIGHT="23" CONTENT="growing" WIDTH="89" HPOS="1245" VPOS="813" ID="st4-563"/><SP/><String HEIGHT="23" CONTENT="retirement" WIDTH="111" HPOS="1345" VPOS="813" ID="st4-564"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl4-60" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="insecurity" WIDTH="100" HPOS="858" VPOS="849" ID="st4-565"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="968" VPOS="849" ID="st4-566"/><SP/><String HEIGHT="23" CONTENT="young" WIDTH="66" HPOS="1010" VPOS="849" ID="st4-567"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1087" VPOS="849" ID="st4-568"/><SP/><String HEIGHT="23" CONTENT="old" WIDTH="33" HPOS="1138" VPOS="849" ID="st4-569"/><SP/><String HEIGHT="23" CONTENT="generations" WIDTH="125" HPOS="1182" VPOS="849" ID="st4-570"/><SP/><String HEIGHT="23" CONTENT="alike" WIDTH="48" HPOS="1318" VPOS="849" ID="st4-571"/><String HEIGHT="23" CONTENT="(" WIDTH="8" HPOS="1377" VPOS="849" ID="st4-572"/><String HEIGHT="23" CONTENT="Gillers" WIDTH="62" HPOS="1385" VPOS="849" ID="st4-573"/><String HEIGHT="23" CONTENT="," WIDTH="9" HPOS="1447" VPOS="849" ID="st4-574"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl4-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Tergeson" WIDTH="94" HPOS="858" VPOS="885" ID="st4-575"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="960" VPOS="885" ID="st4-576"/><SP/><String HEIGHT="24" CONTENT="Scism" WIDTH="55" HPOS="1009" VPOS="885" ID="st4-577"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1064" VPOS="885" ID="st4-578"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="49" HPOS="1084" VPOS="885" ID="st4-579"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1133" VPOS="885" ID="st4-580"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1155" VPOS="885" ID="st4-581"/><SP/><String HEIGHT="24" CONTENT="Morrissey" WIDTH="95" HPOS="1203" VPOS="885" ID="st4-582"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1298" VPOS="885" ID="st4-583"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="1317" VPOS="885" ID="st4-584"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1363" VPOS="885" ID="st4-585"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1375" VPOS="885" ID="st4-586"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="1395" VPOS="885" ID="st4-587"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl4-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="dynamics" WIDTH="99" HPOS="858" VPOS="921" ID="st4-588"/><SP/><String HEIGHT="24" CONTENT="culminated" WIDTH="118" HPOS="968" VPOS="921" ID="st4-589"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1098" VPOS="921" ID="st4-590"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1128" VPOS="921" ID="st4-591"/><SP/><String HEIGHT="24" CONTENT="Great" WIDTH="60" HPOS="1174" VPOS="921" ID="st4-592"/><SP/><String HEIGHT="24" CONTENT="Recession" WIDTH="103" HPOS="1245" VPOS="921" ID="st4-593"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1360" VPOS="921" ID="st4-594"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="50" HPOS="1393" VPOS="921" ID="st4-595"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1443" VPOS="921" ID="st4-596"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl4-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="858" VPOS="957" ID="st4-597"/><SP/><String HEIGHT="24" CONTENT="tens" WIDTH="45" HPOS="927" VPOS="957" ID="st4-598"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="981" VPOS="957" ID="st4-599"/><SP/><String HEIGHT="24" CONTENT="millions" WIDTH="81" HPOS="1013" VPOS="957" ID="st4-600"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1104" VPOS="957" ID="st4-601"/><SP/><String HEIGHT="24" CONTENT="people" WIDTH="72" HPOS="1136" VPOS="957" ID="st4-602"/><SP/><String HEIGHT="24" CONTENT="around" WIDTH="76" HPOS="1218" VPOS="957" ID="st4-603"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1303" VPOS="957" ID="st4-604"/><SP/><String HEIGHT="24" CONTENT="world" WIDTH="61" HPOS="1348" VPOS="957" ID="st4-605"/><SP/><String HEIGHT="24" CONTENT="lost" WIDTH="37" HPOS="1419" VPOS="957" ID="st4-606"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl4-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="jobs" WIDTH="40" HPOS="858" VPOS="993" ID="st4-607"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="898" VPOS="993" ID="st4-608"/><SP/><String HEIGHT="24" CONTENT="retirement" WIDTH="111" HPOS="914" VPOS="993" ID="st4-609"/><SP/><String HEIGHT="24" CONTENT="savings" WIDTH="73" HPOS="1031" VPOS="993" ID="st4-610"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1104" VPOS="993" ID="st4-611"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1121" VPOS="993" ID="st4-612"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="1168" VPOS="993" ID="st4-613"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1225" VPOS="993" ID="st4-614"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="56" HPOS="1266" VPOS="993" ID="st4-615"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1329" VPOS="993" ID="st4-616"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="80" HPOS="1376" VPOS="993" ID="st4-617"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl4-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1029" ID="st4-618"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="887" VPOS="1029" ID="st4-619"/><SP/><String HEIGHT="24" CONTENT="homes" WIDTH="65" HPOS="943" VPOS="1029" ID="st4-620"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="1008" VPOS="1029" ID="st4-621"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1028" VPOS="1029" ID="st4-622"/><SP/><String HEIGHT="24" CONTENT="roots" WIDTH="54" HPOS="1074" VPOS="1029" ID="st4-623"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1135" VPOS="1029" ID="st4-624"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="1165" VPOS="1029" ID="st4-625"/><SP/><String HEIGHT="24" CONTENT="developments" WIDTH="149" HPOS="1229" VPOS="1029" ID="st4-626"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="1385" VPOS="1029" ID="st4-627"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="1430" VPOS="1029" ID="st4-628"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl4-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="found" WIDTH="63" HPOS="858" VPOS="1065" ID="st4-629"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="927" VPOS="1065" ID="st4-630"/><SP/><String HEIGHT="24" CONTENT="neoliberal" WIDTH="103" HPOS="952" VPOS="1065" ID="st4-631"/><SP/><String HEIGHT="24" CONTENT="ideology" WIDTH="90" HPOS="1061" VPOS="1065" ID="st4-632"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1156" VPOS="1065" ID="st4-633"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1201" VPOS="1065" ID="st4-634"/><SP/><String HEIGHT="24" CONTENT="trend" WIDTH="57" HPOS="1241" VPOS="1065" ID="st4-635"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1303" VPOS="1065" ID="st4-636"/><SP/><String HEIGHT="24" CONTENT="financializa" WIDTH="117" HPOS="1330" VPOS="1065" ID="st4-637" SUBS_TYPE="HypPart1" SUBS_CONTENT="financialization"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1065" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl4-67" WIDTH="283" HEIGHT="24"><String HEIGHT="24" CONTENT="tion" WIDTH="41" HPOS="858" VPOS="1101" ID="st4-638" SUBS_TYPE="HypPart2" SUBS_CONTENT="financialization"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="906" VPOS="1101" ID="st4-639"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="63" HPOS="936" VPOS="1101" ID="st4-640"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="1006" VPOS="1101" ID="st4-641"/><SP/><String HEIGHT="24" CONTENT="gave" WIDTH="50" HPOS="1027" VPOS="1101" ID="st4-642"/><SP/><String HEIGHT="24" CONTENT="birth" WIDTH="47" HPOS="1084" VPOS="1101" ID="st4-643"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1131" VPOS="1101" ID="st4-644"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl4-68" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="Financialization" WIDTH="162" HPOS="858" VPOS="1174" ID="st4-645"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="15" HPOS="1026" VPOS="1174" ID="st4-646"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1047" VPOS="1174" ID="st4-647"/><SP/><String HEIGHT="23" CONTENT="increasing" WIDTH="107" HPOS="1087" VPOS="1174" ID="st4-648"/><SP/><String HEIGHT="23" CONTENT="role" WIDTH="40" HPOS="1199" VPOS="1174" ID="st4-649"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1245" VPOS="1174" ID="st4-650"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1273" VPOS="1174" ID="st4-651"/><SP/><String HEIGHT="23" CONTENT="motives" WIDTH="77" HPOS="1367" VPOS="1174" ID="st4-652"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1444" VPOS="1174" ID="st4-653"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl4-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="858" VPOS="1210" ID="st4-654"/><SP/><String HEIGHT="24" CONTENT="markets" WIDTH="80" HPOS="956" VPOS="1210" ID="st4-655"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1036" VPOS="1210" ID="st4-656"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1057" VPOS="1210" ID="st4-657"/><SP/><String HEIGHT="24" CONTENT="actors" WIDTH="60" HPOS="1155" VPOS="1210" ID="st4-658"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1215" VPOS="1210" ID="st4-659"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1235" VPOS="1210" ID="st4-660"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1284" VPOS="1210" ID="st4-661"/><SP/><String HEIGHT="24" CONTENT="institu" WIDTH="64" HPOS="1383" VPOS="1210" ID="st4-662" SUBS_TYPE="HypPart1" SUBS_CONTENT="institutions"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1210" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl4-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tions" WIDTH="51" HPOS="858" VPOS="1246" ID="st4-663" SUBS_TYPE="HypPart2" SUBS_CONTENT="institutions"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="918" VPOS="1246" ID="st4-664"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="947" VPOS="1246" ID="st4-665"/><SP/><String HEIGHT="24" CONTENT="operation" WIDTH="103" HPOS="991" VPOS="1246" ID="st4-666"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1103" VPOS="1246" ID="st4-667"/><SP/><String HEIGHT="24" CONTENT="economies" WIDTH="114" HPOS="1135" VPOS="1246" ID="st4-668"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1258" VPOS="1246" ID="st4-669"/><String HEIGHT="24" CONTENT="Epstein" WIDTH="70" HPOS="1268" VPOS="1246" ID="st4-670"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1338" VPOS="1246" ID="st4-671"/><SP/><String HEIGHT="24" CONTENT="2005" WIDTH="46" HPOS="1358" VPOS="1246" ID="st4-672"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1404" VPOS="1246" ID="st4-673"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1415" VPOS="1246" ID="st4-674"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="1437" VPOS="1246" ID="st4-675"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl4-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1282" ID="st4-676"/><SP/><String HEIGHT="24" CONTENT="1980s" WIDTH="60" HPOS="901" VPOS="1282" ID="st4-677"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="961" VPOS="1282" ID="st4-678"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="981" VPOS="1282" ID="st4-679"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="1024" VPOS="1282" ID="st4-680"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1072" VPOS="1282" ID="st4-681"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1102" VPOS="1282" ID="st4-682"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1145" VPOS="1282" ID="st4-683"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="1242" VPOS="1282" ID="st4-684"/><SP/><String HEIGHT="24" CONTENT="grew" WIDTH="54" HPOS="1314" VPOS="1282" ID="st4-685"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1376" VPOS="1282" ID="st4-686"/><SP/><String HEIGHT="24" CONTENT="most" WIDTH="53" HPOS="1403" VPOS="1282" ID="st4-687"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl4-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="advanced" WIDTH="101" HPOS="858" VPOS="1318" ID="st4-688"/><SP/><String HEIGHT="24" CONTENT="economies" WIDTH="108" HPOS="969" VPOS="1318" ID="st4-689"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1077" VPOS="1318" ID="st4-690"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="1099" VPOS="1318" ID="st4-691"/><SP/><String HEIGHT="24" CONTENT="English" WIDTH="77" HPOS="1128" VPOS="1318" ID="st4-692"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="1205" VPOS="1318" ID="st4-693"/><String HEIGHT="24" CONTENT="speaking" WIDTH="89" HPOS="1216" VPOS="1318" ID="st4-694"/><SP/><String HEIGHT="24" CONTENT="countries" WIDTH="97" HPOS="1315" VPOS="1318" ID="st4-695"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1422" VPOS="1318" ID="st4-696"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl4-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="dominant" WIDTH="103" HPOS="858" VPOS="1354" ID="st4-697"/><SP/><String HEIGHT="24" CONTENT="form" WIDTH="52" HPOS="968" VPOS="1354" ID="st4-698"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1028" VPOS="1354" ID="st4-699"/><SP/><String HEIGHT="24" CONTENT="corporate" WIDTH="102" HPOS="1058" VPOS="1354" ID="st4-700"/><SP/><String HEIGHT="24" CONTENT="governance" WIDTH="124" HPOS="1168" VPOS="1354" ID="st4-701"/><SP/><String HEIGHT="24" CONTENT="shifted" WIDTH="72" HPOS="1300" VPOS="1354" ID="st4-702"/><SP/><String HEIGHT="24" CONTENT="toward" WIDTH="76" HPOS="1380" VPOS="1354" ID="st4-703"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl4-74" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="increasing" WIDTH="108" HPOS="858" VPOS="1390" ID="st4-704"/><SP/><String HEIGHT="24" CONTENT="shareholder" WIDTH="127" HPOS="986" VPOS="1390" ID="st4-705"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="56" HPOS="1133" VPOS="1390" ID="st4-706"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1209" VPOS="1390" ID="st4-707"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="1269" VPOS="1390" ID="st4-708"/><String HEIGHT="24" CONTENT="short" WIDTH="59" HPOS="1280" VPOS="1390" ID="st4-709"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="1339" VPOS="1390" ID="st4-710"/><String HEIGHT="24" CONTENT="termism" WIDTH="82" HPOS="1350" VPOS="1390" ID="st4-711"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1432" VPOS="1390" ID="st4-712"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="1444" VPOS="1390" ID="st4-713"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl4-75" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Dividend" WIDTH="93" HPOS="858" VPOS="1426" ID="st4-714"/><SP/><String HEIGHT="24" CONTENT="payments" WIDTH="103" HPOS="959" VPOS="1426" ID="st4-715"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1070" VPOS="1426" ID="st4-716"/><SP/><String HEIGHT="24" CONTENT="shareholders" WIDTH="134" HPOS="1101" VPOS="1426" ID="st4-717"/><SP/><String HEIGHT="24" CONTENT="rose" WIDTH="44" HPOS="1244" VPOS="1426" ID="st4-718"/><SP/><String HEIGHT="24" CONTENT="along" WIDTH="60" HPOS="1296" VPOS="1426" ID="st4-719"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="1364" VPOS="1426" ID="st4-720"/><SP/><String HEIGHT="24" CONTENT="top" WIDTH="36" HPOS="1420" VPOS="1426" ID="st4-721"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl4-76" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="management" WIDTH="141" HPOS="858" VPOS="1463" ID="st4-722"/><SP/><String HEIGHT="23" CONTENT="salaries" WIDTH="73" HPOS="1007" VPOS="1463" ID="st4-723"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="1080" VPOS="1463" ID="st4-724"/><SP/><String HEIGHT="23" CONTENT="Business" WIDTH="88" HPOS="1098" VPOS="1463" ID="st4-725"/><SP/><String HEIGHT="23" CONTENT="strategies" WIDTH="101" HPOS="1194" VPOS="1463" ID="st4-726"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1303" VPOS="1463" ID="st4-727"/><SP/><String HEIGHT="23" CONTENT="sought" WIDTH="74" HPOS="1353" VPOS="1463" ID="st4-728"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1434" VPOS="1463" ID="st4-729"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl4-77" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="generate" WIDTH="94" HPOS="858" VPOS="1499" ID="st4-730"/><SP/><String HEIGHT="23" CONTENT="profits" WIDTH="67" HPOS="962" VPOS="1499" ID="st4-731"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="1038" VPOS="1499" ID="st4-732"/><SP/><String HEIGHT="23" CONTENT="taking" WIDTH="66" HPOS="1073" VPOS="1499" ID="st4-733"/><SP/><String HEIGHT="23" CONTENT="more" WIDTH="55" HPOS="1149" VPOS="1499" ID="st4-734"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1213" VPOS="1499" ID="st4-735"/><SP/><String HEIGHT="23" CONTENT="risk" WIDTH="36" HPOS="1311" VPOS="1499" ID="st4-736"/><SP/><String HEIGHT="23" CONTENT="increased" WIDTH="99" HPOS="1357" VPOS="1499" ID="st4-737"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl4-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="858" VPOS="1535" ID="st4-738"/><SP/><String HEIGHT="24" CONTENT="scale" WIDTH="51" HPOS="886" VPOS="1535" ID="st4-739"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="945" VPOS="1535" ID="st4-740"/><SP/><String HEIGHT="24" CONTENT="scope" WIDTH="56" HPOS="994" VPOS="1535" ID="st4-741"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1050" VPOS="1535" ID="st4-742"/><SP/><String HEIGHT="24" CONTENT="including" WIDTH="97" HPOS="1070" VPOS="1535" ID="st4-743"/><SP/><String HEIGHT="24" CONTENT="hostile" WIDTH="69" HPOS="1176" VPOS="1535" ID="st4-744"/><SP/><String HEIGHT="24" CONTENT="takeovers" WIDTH="98" HPOS="1253" VPOS="1535" ID="st4-745"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1351" VPOS="1535" ID="st4-746"/><SP/><String HEIGHT="24" CONTENT="mergers" WIDTH="86" HPOS="1370" VPOS="1535" ID="st4-747"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl4-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1571" ID="st4-748"/><SP/><String HEIGHT="24" CONTENT="acquisitions" WIDTH="120" HPOS="910" VPOS="1571" ID="st4-749"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1030" VPOS="1571" ID="st4-750"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1052" VPOS="1571" ID="st4-751"/><SP/><String HEIGHT="24" CONTENT="leveraged" WIDTH="103" HPOS="1104" VPOS="1571" ID="st4-752"/><SP/><String HEIGHT="24" CONTENT="buyouts" WIDTH="80" HPOS="1219" VPOS="1571" ID="st4-753"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1299" VPOS="1571" ID="st4-754"/><SP/><String HEIGHT="24" CONTENT="Employment" WIDTH="134" HPOS="1322" VPOS="1571" ID="st4-755"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl4-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="opportunities" WIDTH="141" HPOS="858" VPOS="1607" ID="st4-756"/><SP/><String HEIGHT="24" CONTENT="suffered" WIDTH="82" HPOS="1007" VPOS="1607" ID="st4-757"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1089" VPOS="1607" ID="st4-758"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1108" VPOS="1607" ID="st4-759"/><SP/><String HEIGHT="24" CONTENT="strategies" WIDTH="101" HPOS="1137" VPOS="1607" ID="st4-760"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1246" VPOS="1607" ID="st4-761"/><SP/><String HEIGHT="24" CONTENT="contain" WIDTH="79" HPOS="1275" VPOS="1607" ID="st4-762"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1362" VPOS="1607" ID="st4-763"/><SP/><String HEIGHT="24" CONTENT="costs" WIDTH="53" HPOS="1403" VPOS="1607" ID="st4-764"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl4-81" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1643" ID="st4-765"/><SP/><String HEIGHT="24" CONTENT="human" WIDTH="75" HPOS="886" VPOS="1643" ID="st4-766"/><SP/><String HEIGHT="24" CONTENT="capital" WIDTH="69" HPOS="967" VPOS="1643" ID="st4-767"/><SP/><String HEIGHT="24" CONTENT="became" WIDTH="83" HPOS="1042" VPOS="1643" ID="st4-768"/><SP/><String HEIGHT="24" CONTENT="core" WIDTH="45" HPOS="1131" VPOS="1643" ID="st4-769"/><SP/><String HEIGHT="24" CONTENT="principles" WIDTH="100" HPOS="1182" VPOS="1643" ID="st4-770"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1288" VPOS="1643" ID="st4-771"/><SP/><String HEIGHT="24" CONTENT="corporations" WIDTH="129" HPOS="1316" VPOS="1643" ID="st4-772"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="1445" VPOS="1643" ID="st4-773"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl4-82" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="downsizing" WIDTH="116" HPOS="858" VPOS="1679" ID="st4-774"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="974" VPOS="1679" ID="st4-775"/><SP/><String HEIGHT="24" CONTENT="outsourcing" WIDTH="121" HPOS="992" VPOS="1679" ID="st4-776"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1113" VPOS="1679" ID="st4-777"/><SP/><String HEIGHT="24" CONTENT="eliminating" WIDTH="118" HPOS="1132" VPOS="1679" ID="st4-778"/><SP/><String HEIGHT="24" CONTENT="pensions" WIDTH="88" HPOS="1257" VPOS="1679" ID="st4-779"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1345" VPOS="1679" ID="st4-780"/><SP/><String HEIGHT="24" CONTENT="reducing" WIDTH="92" HPOS="1364" VPOS="1679" ID="st4-781"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl4-83" WIDTH="480" HEIGHT="24"><String HEIGHT="24" CONTENT="benefits" WIDTH="80" HPOS="858" VPOS="1715" ID="st4-782"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="938" VPOS="1715" ID="st4-783"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="956" VPOS="1715" ID="st4-784"/><SP/><String HEIGHT="24" CONTENT="decreasing" WIDTH="113" HPOS="1004" VPOS="1715" ID="st4-785"/><SP/><String HEIGHT="24" CONTENT="wages" WIDTH="68" HPOS="1124" VPOS="1715" ID="st4-786"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1199" VPOS="1715" ID="st4-787"/><String HEIGHT="24" CONTENT="Hein" WIDTH="42" HPOS="1209" VPOS="1715" ID="st4-788"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1251" VPOS="1715" ID="st4-789"/><SP/><String HEIGHT="24" CONTENT="2013" WIDTH="46" HPOS="1269" VPOS="1715" ID="st4-790"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1315" VPOS="1715" ID="st4-791"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1326" VPOS="1715" ID="st4-792"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl4-84" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1788" ID="st4-793"/><SP/><String HEIGHT="23" CONTENT="result" WIDTH="58" HPOS="903" VPOS="1788" ID="st4-794"/><SP/><String HEIGHT="23" CONTENT="was" WIDTH="41" HPOS="967" VPOS="1788" ID="st4-795"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="40" HPOS="1014" VPOS="1788" ID="st4-796"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1054" VPOS="1788" ID="st4-797"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="1070" VPOS="1788" ID="st4-798"/><SP/><String HEIGHT="23" CONTENT="advanced" WIDTH="101" HPOS="1096" VPOS="1788" ID="st4-799"/><SP/><String HEIGHT="23" CONTENT="economies" WIDTH="108" HPOS="1203" VPOS="1788" ID="st4-800"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1311" VPOS="1788" ID="st4-801"/><SP/><String HEIGHT="23" CONTENT="financializa" WIDTH="117" HPOS="1330" VPOS="1788" ID="st4-802" SUBS_TYPE="HypPart1" SUBS_CONTENT="financialization"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1788" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl4-85" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="tion" WIDTH="41" HPOS="858" VPOS="1824" ID="st4-803" SUBS_TYPE="HypPart2" SUBS_CONTENT="financialization"/><SP/><String HEIGHT="23" CONTENT="helped" WIDTH="72" HPOS="911" VPOS="1824" ID="st4-804"/><SP/><String HEIGHT="23" CONTENT="drive" WIDTH="51" HPOS="994" VPOS="1824" ID="st4-805"/><SP/><String HEIGHT="23" CONTENT="acute" WIDTH="59" HPOS="1056" VPOS="1824" ID="st4-806"/><SP/><String HEIGHT="23" CONTENT="wealth" WIDTH="72" HPOS="1126" VPOS="1824" ID="st4-807"/><SP/><String HEIGHT="23" CONTENT="inequality" WIDTH="103" HPOS="1209" VPOS="1824" ID="st4-808"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="1323" VPOS="1824" ID="st4-809"/><String HEIGHT="23" CONTENT="Kus" WIDTH="32" HPOS="1333" VPOS="1824" ID="st4-810"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1365" VPOS="1824" ID="st4-811"/><SP/><String HEIGHT="23" CONTENT="2012" WIDTH="46" HPOS="1387" VPOS="1824" ID="st4-812"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="1433" VPOS="1824" ID="st4-813"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1444" VPOS="1824" ID="st4-814"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl4-86" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="increased" WIDTH="101" HPOS="858" VPOS="1860" ID="st4-815"/><SP/><String HEIGHT="24" CONTENT="macroeconomic" WIDTH="171" HPOS="974" VPOS="1860" ID="st4-816"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="34" HPOS="1161" VPOS="1860" ID="st4-817"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1195" VPOS="1860" ID="st4-818"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1220" VPOS="1860" ID="st4-819"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="76" HPOS="1276" VPOS="1860" ID="st4-820"/><SP/><String HEIGHT="24" CONTENT="volatility" WIDTH="89" HPOS="1368" VPOS="1860" ID="st4-821"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl4-87" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="8" HPOS="858" VPOS="1896" ID="st4-822"/><String HEIGHT="24" CONTENT="Stiglitz" WIDTH="67" HPOS="866" VPOS="1896" ID="st4-823"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="933" VPOS="1896" ID="st4-824"/><SP/><String HEIGHT="24" CONTENT="2015" WIDTH="50" HPOS="952" VPOS="1896" ID="st4-825"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1002" VPOS="1896" ID="st4-826"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1025" VPOS="1896" ID="st4-827"/><SP/><String HEIGHT="24" CONTENT="Arcand" WIDTH="71" HPOS="1075" VPOS="1896" ID="st4-828"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1146" VPOS="1896" ID="st4-829"/><SP/><String HEIGHT="24" CONTENT="Berkes" WIDTH="69" HPOS="1168" VPOS="1896" ID="st4-830"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1247" VPOS="1896" ID="st4-831"/><SP/><String HEIGHT="24" CONTENT="Panizza" WIDTH="75" HPOS="1298" VPOS="1896" ID="st4-832"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1373" VPOS="1896" ID="st4-833"/><SP/><String HEIGHT="24" CONTENT="2012" WIDTH="49" HPOS="1394" VPOS="1896" ID="st4-834"/><String HEIGHT="24" CONTENT=")" WIDTH="13" HPOS="1443" VPOS="1896" ID="st4-835"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl4-88" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="35" HPOS="858" VPOS="1932" ID="st4-836"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="893" VPOS="1932" ID="st4-837"/><SP/><String HEIGHT="24" CONTENT="ultimately" WIDTH="99" HPOS="912" VPOS="1932" ID="st4-838"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1011" VPOS="1932" ID="st4-839"/><SP/><String HEIGHT="24" CONTENT="fed" WIDTH="35" HPOS="1028" VPOS="1932" ID="st4-840"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1070" VPOS="1932" ID="st4-841"/><SP/><String HEIGHT="24" CONTENT="cycle" WIDTH="51" HPOS="1090" VPOS="1932" ID="st4-842"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1149" VPOS="1932" ID="st4-843"/><SP/><String HEIGHT="24" CONTENT="led" WIDTH="32" HPOS="1199" VPOS="1932" ID="st4-844"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1238" VPOS="1932" ID="st4-845"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1268" VPOS="1932" ID="st4-846"/><SP/><String HEIGHT="24" CONTENT="financializa" WIDTH="117" HPOS="1330" VPOS="1932" ID="st4-847" SUBS_TYPE="HypPart1" SUBS_CONTENT="financialization"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1932" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl4-89" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tion" WIDTH="41" HPOS="858" VPOS="1968" ID="st4-848" SUBS_TYPE="HypPart2" SUBS_CONTENT="financialization"/><String HEIGHT="24" CONTENT="(" WIDTH="13" HPOS="905" VPOS="1968" ID="st4-849"/><String HEIGHT="24" CONTENT="Kumhof" WIDTH="79" HPOS="918" VPOS="1968" ID="st4-850"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1003" VPOS="1968" ID="st4-851"/><SP/><String HEIGHT="24" CONTENT="Ranciere" WIDTH="86" HPOS="1048" VPOS="1968" ID="st4-852"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1134" VPOS="1968" ID="st4-853"/><SP/><String HEIGHT="24" CONTENT="2010" WIDTH="46" HPOS="1150" VPOS="1968" ID="st4-854"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1196" VPOS="1968" ID="st4-855"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1207" VPOS="1968" ID="st4-856"/><SP/><String HEIGHT="24" CONTENT="As" WIDTH="26" HPOS="1225" VPOS="1968" ID="st4-857"/><SP/><String HEIGHT="24" CONTENT="wages" WIDTH="68" HPOS="1256" VPOS="1968" ID="st4-858"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1329" VPOS="1968" ID="st4-859"/><SP/><String HEIGHT="24" CONTENT="lagged" WIDTH="72" HPOS="1385" VPOS="1968" ID="st4-860"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl4-90" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="858" VPOS="2004" ID="st4-861"/><SP/><String HEIGHT="24" CONTENT="decades" WIDTH="87" HPOS="900" VPOS="2004" ID="st4-862"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="999" VPOS="2004" ID="st4-863"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="1031" VPOS="2004" ID="st4-864"/><SP/><String HEIGHT="24" CONTENT="advanced" WIDTH="102" HPOS="1100" VPOS="2004" ID="st4-865"/><SP/><String HEIGHT="24" CONTENT="economies" WIDTH="108" HPOS="1214" VPOS="2004" ID="st4-866"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1322" VPOS="2004" ID="st4-867"/><SP/><String HEIGHT="24" CONTENT="aggregate" WIDTH="109" HPOS="1347" VPOS="2004" ID="st4-868"/></TextLine><TextLine HPOS="858" VPOS="2040" ID="tl4-91" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="demand" WIDTH="87" HPOS="858" VPOS="2040" ID="st4-869"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="953" VPOS="2040" ID="st4-870"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="997" VPOS="2040" ID="st4-871"/><SP/><String HEIGHT="24" CONTENT="weakened" WIDTH="110" HPOS="1057" VPOS="2040" ID="st4-872"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="1175" VPOS="2040" ID="st4-873"/><String HEIGHT="24" CONTENT="Stockhammer" WIDTH="134" HPOS="1187" VPOS="2040" ID="st4-874"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1321" VPOS="2040" ID="st4-875"/><SP/><String HEIGHT="24" CONTENT="2013" WIDTH="46" HPOS="1341" VPOS="2040" ID="st4-876"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1387" VPOS="2040" ID="st4-877"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1399" VPOS="2040" ID="st4-878"/><SP/><String HEIGHT="24" CONTENT="De" WIDTH="25" HPOS="1419" VPOS="2040" ID="st4-879" SUBS_TYPE="HypPart1" SUBS_CONTENT="De3"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="2040" HEIGHT="24"/></TextLine><TextLine HPOS="818" VPOS="2254" ID="tl4-92" WIDTH="16" HEIGHT="28"><String HEIGHT="28" CONTENT="3" WIDTH="16" HPOS="818" VPOS="2254" ID="st4-880" SUBS_TYPE="HypPart2" SUBS_CONTENT="De3"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="5" ID="p840444" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840444" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840444" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl5-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st5-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st5-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st5-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st5-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st5-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st5-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st5-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st5-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st5-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st5-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st5-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st5-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st5-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st5-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st5-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st5-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st5-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st5-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st5-18"/></TextLine><TextLine HPOS="196" VPOS="305" ID="tl5-1" WIDTH="675" HEIGHT="26"><String HEIGHT="26" CONTENT="Figure" WIDTH="73" HPOS="196" VPOS="305" ID="st5-19"/><SP/><String HEIGHT="26" CONTENT="1" WIDTH="11" HPOS="277" VPOS="305" ID="st5-20"/><String HEIGHT="26" CONTENT="." WIDTH="12" HPOS="288" VPOS="305" ID="st5-21"/><SP/><String HEIGHT="26" CONTENT="The" WIDTH="44" HPOS="307" VPOS="305" ID="st5-22"/><SP/><String HEIGHT="26" CONTENT="Effect" WIDTH="68" HPOS="358" VPOS="305" ID="st5-23"/><SP/><String HEIGHT="26" CONTENT="of" WIDTH="25" HPOS="434" VPOS="305" ID="st5-24"/><SP/><String HEIGHT="26" CONTENT="Financial" WIDTH="102" HPOS="466" VPOS="305" ID="st5-25"/><SP/><String HEIGHT="26" CONTENT="Development" WIDTH="157" HPOS="576" VPOS="305" ID="st5-26"/><SP/><String HEIGHT="26" CONTENT="on" WIDTH="31" HPOS="741" VPOS="305" ID="st5-27"/><SP/><String HEIGHT="26" CONTENT="Growth" WIDTH="91" HPOS="780" VPOS="305" ID="st5-28"/></TextLine><TextLine HPOS="376" VPOS="667" ID="tl5-2" WIDTH="21" HEIGHT="59"><String HEIGHT="59" CONTENT="Effect" WIDTH="21" HPOS="376" VPOS="667" ID="st5-29"/></TextLine><TextLine HPOS="376" VPOS="634" ID="tl5-3" WIDTH="21" HEIGHT="28"><String HEIGHT="28" CONTENT="on" WIDTH="21" HPOS="376" VPOS="634" ID="st5-30"/></TextLine><TextLine HPOS="376" VPOS="550" ID="tl5-4" WIDTH="21" HEIGHT="79"><String HEIGHT="79" CONTENT="growth" WIDTH="21" HPOS="376" VPOS="550" ID="st5-31"/></TextLine><TextLine HPOS="376" VPOS="506" ID="tl5-5" WIDTH="21" HEIGHT="41"><String HEIGHT="41" CONTENT="rate" WIDTH="21" HPOS="376" VPOS="506" ID="st5-32"/></TextLine><TextLine HPOS="411" VPOS="385" ID="tl5-6" WIDTH="35" HEIGHT="21"><String HEIGHT="21" CONTENT="6" WIDTH="17" HPOS="411" VPOS="385" ID="st5-33"/><String HEIGHT="21" CONTENT="%" WIDTH="18" HPOS="428" VPOS="385" ID="st5-34"/></TextLine><TextLine HPOS="664" VPOS="421" ID="tl5-7" WIDTH="85" HEIGHT="21"><String HEIGHT="21" CONTENT="Morocco" WIDTH="85" HPOS="664" VPOS="421" ID="st5-35"/></TextLine><TextLine HPOS="411" VPOS="448" ID="tl5-8" WIDTH="35" HEIGHT="21"><String HEIGHT="21" CONTENT="5" WIDTH="17" HPOS="411" VPOS="448" ID="st5-36"/><String HEIGHT="21" CONTENT="%" WIDTH="18" HPOS="428" VPOS="448" ID="st5-37"/></TextLine><TextLine HPOS="811" VPOS="461" ID="tl5-9" WIDTH="65" HEIGHT="22"><String HEIGHT="22" CONTENT="Poland" WIDTH="65" HPOS="811" VPOS="461" ID="st5-38"/></TextLine><TextLine HPOS="1029" VPOS="475" ID="tl5-10" WIDTH="66" HEIGHT="21"><String HEIGHT="21" CONTENT="Ireland" WIDTH="66" HPOS="1029" VPOS="475" ID="st5-39"/></TextLine><TextLine HPOS="411" VPOS="512" ID="tl5-11" WIDTH="35" HEIGHT="21"><String HEIGHT="21" CONTENT="4" WIDTH="17" HPOS="411" VPOS="512" ID="st5-40"/><String HEIGHT="21" CONTENT="%" WIDTH="18" HPOS="428" VPOS="512" ID="st5-41"/></TextLine><TextLine HPOS="643" VPOS="547" ID="tl5-12" WIDTH="78" HEIGHT="21"><String HEIGHT="21" CONTENT="Ecuador" WIDTH="78" HPOS="643" VPOS="547" ID="st5-42"/></TextLine><TextLine HPOS="411" VPOS="575" ID="tl5-13" WIDTH="35" HEIGHT="22"><String HEIGHT="22" CONTENT="3" WIDTH="17" HPOS="411" VPOS="575" ID="st5-43"/><String HEIGHT="22" CONTENT="%" WIDTH="18" HPOS="428" VPOS="575" ID="st5-44"/></TextLine><TextLine HPOS="1108" VPOS="548" ID="tl5-14" WIDTH="58" HEIGHT="22"><String HEIGHT="22" CONTENT="U" WIDTH="9" HPOS="1108" VPOS="548" ID="st5-45"/><String HEIGHT="22" CONTENT="." WIDTH="10" HPOS="1117" VPOS="548" ID="st5-46"/><String HEIGHT="22" CONTENT="S" WIDTH="10" HPOS="1127" VPOS="548" ID="st5-47"/><String HEIGHT="22" CONTENT="." WIDTH="9" HPOS="1137" VPOS="548" ID="st5-48"/><String HEIGHT="22" CONTENT="A" WIDTH="10" HPOS="1146" VPOS="548" ID="st5-49"/><String HEIGHT="22" CONTENT="." WIDTH="10" HPOS="1156" VPOS="548" ID="st5-50"/></TextLine><TextLine HPOS="411" VPOS="639" ID="tl5-15" WIDTH="35" HEIGHT="21"><String HEIGHT="21" CONTENT="2" WIDTH="17" HPOS="411" VPOS="639" ID="st5-51"/><String HEIGHT="21" CONTENT="%" WIDTH="18" HPOS="428" VPOS="639" ID="st5-52"/></TextLine><TextLine HPOS="411" VPOS="703" ID="tl5-16" WIDTH="35" HEIGHT="21"><String HEIGHT="21" CONTENT="1" WIDTH="17" HPOS="411" VPOS="703" ID="st5-53"/><String HEIGHT="21" CONTENT="%" WIDTH="18" HPOS="428" VPOS="703" ID="st5-54"/></TextLine><TextLine HPOS="523" VPOS="703" ID="tl5-17" WIDTH="74" HEIGHT="21"><String HEIGHT="21" CONTENT="Gambia" WIDTH="74" HPOS="523" VPOS="703" ID="st5-55"/></TextLine><TextLine HPOS="784" VPOS="645" ID="tl5-18" WIDTH="212" HEIGHT="21"><String HEIGHT="21" CONTENT="95" WIDTH="31" HPOS="784" VPOS="645" ID="st5-56"/><String HEIGHT="21" CONTENT="%" WIDTH="16" HPOS="815" VPOS="645" ID="st5-57"/><SP/><String HEIGHT="21" CONTENT="confidence" WIDTH="104" HPOS="837" VPOS="645" ID="st5-58"/><SP/><String HEIGHT="21" CONTENT="band" WIDTH="49" HPOS="947" VPOS="645" ID="st5-59"/></TextLine><TextLine HPOS="784" VPOS="668" ID="tl5-19" WIDTH="261" HEIGHT="21"><String HEIGHT="21" CONTENT="around" WIDTH="68" HPOS="784" VPOS="668" ID="st5-60"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="30" HPOS="859" VPOS="668" ID="st5-61"/><String HEIGHT="21" CONTENT="»" WIDTH="10" HPOS="896" VPOS="668" ID="st5-62"/><String HEIGHT="21" CONTENT="turning" WIDTH="71" HPOS="906" VPOS="668" ID="st5-63"/><SP/><String HEIGHT="21" CONTENT="point" WIDTH="51" HPOS="983" VPOS="668" ID="st5-64"/><String HEIGHT="21" CONTENT="«" WIDTH="11" HPOS="1034" VPOS="668" ID="st5-65"/></TextLine><TextLine HPOS="1167" VPOS="619" ID="tl5-20" WIDTH="55" HEIGHT="21"><String HEIGHT="21" CONTENT="Japan" WIDTH="55" HPOS="1167" VPOS="619" ID="st5-66"/></TextLine><TextLine HPOS="411" VPOS="766" ID="tl5-21" WIDTH="35" HEIGHT="21"><String HEIGHT="21" CONTENT="0" WIDTH="17" HPOS="411" VPOS="766" ID="st5-67"/><String HEIGHT="21" CONTENT="%" WIDTH="18" HPOS="428" VPOS="766" ID="st5-68"/></TextLine><TextLine HPOS="403" VPOS="830" ID="tl5-22" WIDTH="42" HEIGHT="21"><String HEIGHT="21" CONTENT="-" WIDTH="14" HPOS="403" VPOS="830" ID="st5-69"/><String HEIGHT="21" CONTENT="1" WIDTH="14" HPOS="417" VPOS="830" ID="st5-70"/><String HEIGHT="21" CONTENT="%" WIDTH="14" HPOS="431" VPOS="830" ID="st5-71"/></TextLine><TextLine HPOS="447" VPOS="861" ID="tl5-23" WIDTH="834" HEIGHT="20"><String HEIGHT="20" CONTENT="0" WIDTH="9" HPOS="447" VPOS="861" ID="st5-72"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="456" VPOS="861" ID="st5-73"/><String HEIGHT="20" CONTENT="0" WIDTH="10" HPOS="466" VPOS="861" ID="st5-74"/><SP/><String HEIGHT="20" CONTENT="0" WIDTH="9" HPOS="527" VPOS="861" ID="st5-75"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="536" VPOS="861" ID="st5-76"/><String HEIGHT="20" CONTENT="1" WIDTH="10" HPOS="546" VPOS="861" ID="st5-77"/><SP/><String HEIGHT="20" CONTENT="0" WIDTH="9" HPOS="608" VPOS="861" ID="st5-78"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="617" VPOS="861" ID="st5-79"/><String HEIGHT="20" CONTENT="2" WIDTH="10" HPOS="627" VPOS="861" ID="st5-80"/><SP/><String HEIGHT="20" CONTENT="0" WIDTH="9" HPOS="688" VPOS="861" ID="st5-81"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="697" VPOS="861" ID="st5-82"/><String HEIGHT="20" CONTENT="3" WIDTH="10" HPOS="707" VPOS="861" ID="st5-83"/><SP/><String HEIGHT="20" CONTENT="0" WIDTH="9" HPOS="769" VPOS="861" ID="st5-84"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="778" VPOS="861" ID="st5-85"/><String HEIGHT="20" CONTENT="4" WIDTH="10" HPOS="788" VPOS="861" ID="st5-86"/><SP/><String HEIGHT="20" CONTENT="0" WIDTH="10" HPOS="849" VPOS="861" ID="st5-87"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="859" VPOS="861" ID="st5-88"/><String HEIGHT="20" CONTENT="5" WIDTH="10" HPOS="869" VPOS="861" ID="st5-89"/><SP/><String HEIGHT="20" CONTENT="0" WIDTH="9" HPOS="930" VPOS="861" ID="st5-90"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="939" VPOS="861" ID="st5-91"/><String HEIGHT="20" CONTENT="6" WIDTH="10" HPOS="949" VPOS="861" ID="st5-92"/><SP/><String HEIGHT="20" CONTENT="0" WIDTH="10" HPOS="1010" VPOS="861" ID="st5-93"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="1020" VPOS="861" ID="st5-94"/><String HEIGHT="20" CONTENT="7" WIDTH="10" HPOS="1030" VPOS="861" ID="st5-95"/><SP/><String HEIGHT="20" CONTENT="0" WIDTH="9" HPOS="1091" VPOS="861" ID="st5-96"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="1100" VPOS="861" ID="st5-97"/><String HEIGHT="20" CONTENT="8" WIDTH="10" HPOS="1110" VPOS="861" ID="st5-98"/><SP/><String HEIGHT="20" CONTENT="0" WIDTH="9" HPOS="1172" VPOS="861" ID="st5-99"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="1181" VPOS="861" ID="st5-100"/><String HEIGHT="20" CONTENT="9" WIDTH="10" HPOS="1191" VPOS="861" ID="st5-101"/><SP/><String HEIGHT="20" CONTENT="1" WIDTH="9" HPOS="1252" VPOS="861" ID="st5-102"/><String HEIGHT="20" CONTENT="." WIDTH="10" HPOS="1261" VPOS="861" ID="st5-103"/><String HEIGHT="20" CONTENT="0" WIDTH="10" HPOS="1271" VPOS="861" ID="st5-104"/></TextLine><TextLine HPOS="713" VPOS="898" ID="tl5-24" WIDTH="298" HEIGHT="21"><String HEIGHT="21" CONTENT="Financial" WIDTH="91" HPOS="713" VPOS="898" ID="st5-105"/><SP/><String HEIGHT="21" CONTENT="Development" WIDTH="140" HPOS="807" VPOS="898" ID="st5-106"/><SP/><String HEIGHT="21" CONTENT="Index" WIDTH="58" HPOS="953" VPOS="898" ID="st5-107"/></TextLine><TextLine HPOS="196" VPOS="960" ID="tl5-25" WIDTH="449" HEIGHT="21"><String HEIGHT="21" CONTENT="Source" WIDTH="60" HPOS="196" VPOS="960" ID="st5-108"/><String HEIGHT="21" CONTENT=":" WIDTH="10" HPOS="256" VPOS="960" ID="st5-109"/><SP/><String HEIGHT="21" CONTENT="IMF" WIDTH="34" HPOS="273" VPOS="960" ID="st5-110"/><SP/><String HEIGHT="21" CONTENT="staff" WIDTH="42" HPOS="313" VPOS="960" ID="st5-111"/><SP/><String HEIGHT="21" CONTENT="estimates" WIDTH="89" HPOS="361" VPOS="960" ID="st5-112"/><String HEIGHT="21" CONTENT="(" WIDTH="10" HPOS="456" VPOS="960" ID="st5-113"/><String HEIGHT="21" CONTENT="Sahay" WIDTH="52" HPOS="466" VPOS="960" ID="st5-114"/><SP/><String HEIGHT="21" CONTENT="et" WIDTH="18" HPOS="524" VPOS="960" ID="st5-115"/><SP/><String HEIGHT="21" CONTENT="al" WIDTH="14" HPOS="549" VPOS="960" ID="st5-116"/><String HEIGHT="21" CONTENT="." WIDTH="7" HPOS="563" VPOS="960" ID="st5-117"/><String HEIGHT="21" CONTENT="," WIDTH="7" HPOS="570" VPOS="960" ID="st5-118"/><SP/><String HEIGHT="21" CONTENT="2015" WIDTH="41" HPOS="583" VPOS="960" ID="st5-119"/><String HEIGHT="21" CONTENT=")" WIDTH="10" HPOS="624" VPOS="960" ID="st5-120"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="634" VPOS="960" ID="st5-121"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl5-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="mand" WIDTH="63" HPOS="196" VPOS="1029" ID="st5-122"/><String HEIGHT="24" CONTENT="—" WIDTH="16" HPOS="259" VPOS="1029" ID="st5-123"/><String HEIGHT="24" CONTENT="and" WIDTH="48" HPOS="275" VPOS="1029" ID="st5-124"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="79" HPOS="333" VPOS="1029" ID="st5-125"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="412" VPOS="1029" ID="st5-126"/><SP/><String HEIGHT="24" CONTENT="standards" WIDTH="102" HPOS="434" VPOS="1029" ID="st5-127"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="546" VPOS="1029" ID="st5-128"/><SP/><String HEIGHT="24" CONTENT="living" WIDTH="71" HPOS="578" VPOS="1029" ID="st5-129"/><String HEIGHT="24" CONTENT="—" WIDTH="12" HPOS="649" VPOS="1029" ID="st5-130"/><String HEIGHT="24" CONTENT="have" WIDTH="48" HPOS="661" VPOS="1029" ID="st5-131"/><SP/><String HEIGHT="24" CONTENT="instead" WIDTH="77" HPOS="718" VPOS="1029" ID="st5-132"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl5-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="196" VPOS="1065" ID="st5-133"/><SP/><String HEIGHT="24" CONTENT="propped" WIDTH="90" HPOS="262" VPOS="1065" ID="st5-134"/><SP/><String HEIGHT="24" CONTENT="up" WIDTH="28" HPOS="365" VPOS="1065" ID="st5-135"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="406" VPOS="1065" ID="st5-136"/><SP/><String HEIGHT="24" CONTENT="access" WIDTH="67" HPOS="443" VPOS="1065" ID="st5-137"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="523" VPOS="1065" ID="st5-138"/><SP/><String HEIGHT="24" CONTENT="cheap" WIDTH="64" HPOS="558" VPOS="1065" ID="st5-139"/><SP/><String HEIGHT="24" CONTENT="credit" WIDTH="57" HPOS="635" VPOS="1065" ID="st5-140"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="692" VPOS="1065" ID="st5-141"/><SP/><String HEIGHT="24" CONTENT="via" WIDTH="29" HPOS="714" VPOS="1065" ID="st5-142"/><SP/><String HEIGHT="24" CONTENT="low" WIDTH="39" HPOS="756" VPOS="1065" ID="st5-143"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl5-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="interest" WIDTH="79" HPOS="196" VPOS="1101" ID="st5-144"/><SP/><String HEIGHT="24" CONTENT="rates" WIDTH="48" HPOS="280" VPOS="1101" ID="st5-145"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="328" VPOS="1101" ID="st5-146"/><SP/><String HEIGHT="24" CONTENT="deregulation" WIDTH="130" HPOS="343" VPOS="1101" ID="st5-147"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="473" VPOS="1101" ID="st5-148"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="489" VPOS="1101" ID="st5-149"/><SP/><String HEIGHT="24" CONTENT="riskier" WIDTH="62" HPOS="535" VPOS="1101" ID="st5-150"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="602" VPOS="1101" ID="st5-151"/><SP/><String HEIGHT="24" CONTENT="products" WIDTH="88" HPOS="696" VPOS="1101" ID="st5-152"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="1101" ID="st5-153"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl5-29" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="These" WIDTH="61" HPOS="196" VPOS="1174" ID="st5-154"/><SP/><String HEIGHT="23" CONTENT="trends" WIDTH="66" HPOS="263" VPOS="1174" ID="st5-155"/><SP/><String HEIGHT="23" CONTENT="suggest" WIDTH="82" HPOS="334" VPOS="1174" ID="st5-156"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="40" HPOS="421" VPOS="1174" ID="st5-157"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="461" VPOS="1174" ID="st5-158"/><SP/><String HEIGHT="23" CONTENT="absent" WIDTH="70" HPOS="477" VPOS="1174" ID="st5-159"/><SP/><String HEIGHT="23" CONTENT="new" WIDTH="46" HPOS="553" VPOS="1174" ID="st5-160"/><SP/><String HEIGHT="23" CONTENT="models" WIDTH="76" HPOS="604" VPOS="1174" ID="st5-161"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="30" HPOS="686" VPOS="1174" ID="st5-162"/><SP/><String HEIGHT="23" CONTENT="reining" WIDTH="73" HPOS="722" VPOS="1174" ID="st5-163"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl5-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="196" VPOS="1210" ID="st5-164"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="223" VPOS="1210" ID="st5-165"/><SP/><String HEIGHT="24" CONTENT="power" WIDTH="60" HPOS="254" VPOS="1210" ID="st5-166"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="314" VPOS="1210" ID="st5-167"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="334" VPOS="1210" ID="st5-168"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="376" VPOS="1210" ID="st5-169"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="472" VPOS="1210" ID="st5-170"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="544" VPOS="1210" ID="st5-171"/><SP/><String HEIGHT="24" CONTENT="continue" WIDTH="93" HPOS="587" VPOS="1210" ID="st5-172"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="687" VPOS="1210" ID="st5-173"/><SP/><String HEIGHT="24" CONTENT="expand" WIDTH="78" HPOS="717" VPOS="1210" ID="st5-174"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl5-31" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1246" ID="st5-175"/><SP/><String HEIGHT="24" CONTENT="consolidate" WIDTH="117" HPOS="247" VPOS="1246" ID="st5-176"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="364" VPOS="1246" ID="st5-177"/><SP/><String HEIGHT="24" CONTENT="significantly" WIDTH="125" HPOS="386" VPOS="1246" ID="st5-178"/><SP/><String HEIGHT="24" CONTENT="diminishing" WIDTH="123" HPOS="521" VPOS="1246" ID="st5-179"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="654" VPOS="1246" ID="st5-180"/><SP/><String HEIGHT="24" CONTENT="ability" WIDTH="63" HPOS="699" VPOS="1246" ID="st5-181"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1246" ID="st5-182"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl5-32" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="governmental" WIDTH="150" HPOS="196" VPOS="1282" ID="st5-183"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="118" HPOS="362" VPOS="1282" ID="st5-184"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="496" VPOS="1282" ID="st5-185"/><SP/><String HEIGHT="24" CONTENT="withstand" WIDTH="106" HPOS="535" VPOS="1282" ID="st5-186"/><SP/><String HEIGHT="24" CONTENT="pressures" WIDTH="98" HPOS="658" VPOS="1282" ID="st5-187"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="773" VPOS="1282" ID="st5-188"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl5-33" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="deregulate" WIDTH="114" HPOS="196" VPOS="1318" ID="st5-189"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="321" VPOS="1318" ID="st5-190"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="373" VPOS="1318" ID="st5-191"/><SP/><String HEIGHT="24" CONTENT="ability" WIDTH="63" HPOS="419" VPOS="1318" ID="st5-192"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="493" VPOS="1318" ID="st5-193"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="527" VPOS="1318" ID="st5-194"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="623" VPOS="1318" ID="st5-195"/><SP/><String HEIGHT="24" CONTENT="bargain" WIDTH="81" HPOS="656" VPOS="1318" ID="st5-196"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="45" HPOS="749" VPOS="1318" ID="st5-197"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl5-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="wages" WIDTH="62" HPOS="196" VPOS="1354" ID="st5-198"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="258" VPOS="1354" ID="st5-199"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="280" VPOS="1354" ID="st5-200"/><SP/><String HEIGHT="24" CONTENT="cycle" WIDTH="51" HPOS="328" VPOS="1354" ID="st5-201"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="388" VPOS="1354" ID="st5-202"/><SP/><String HEIGHT="24" CONTENT="continued" WIDTH="107" HPOS="412" VPOS="1354" ID="st5-203"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="528" VPOS="1354" ID="st5-204"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="558" VPOS="1354" ID="st5-205"/><SP/><String HEIGHT="24" CONTENT="leads" WIDTH="54" HPOS="605" VPOS="1354" ID="st5-206"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="668" VPOS="1354" ID="st5-207"/><SP/><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="699" VPOS="1354" ID="st5-208"/><SP/><String HEIGHT="24" CONTENT="fur" WIDTH="29" HPOS="757" VPOS="1354" ID="st5-209" SUBS_TYPE="HypPart1" SUBS_CONTENT="further"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="1354" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl5-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ther" WIDTH="43" HPOS="196" VPOS="1390" ID="st5-210" SUBS_TYPE="HypPart2" SUBS_CONTENT="further"/><SP/><String HEIGHT="24" CONTENT="financialization" WIDTH="160" HPOS="247" VPOS="1390" ID="st5-211"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="415" VPOS="1390" ID="st5-212"/><SP/><String HEIGHT="24" CONTENT="destabilization" WIDTH="152" HPOS="464" VPOS="1390" ID="st5-213"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="624" VPOS="1390" ID="st5-214"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="655" VPOS="1390" ID="st5-215"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="97" HPOS="698" VPOS="1390" ID="st5-216"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl5-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="196" VPOS="1426" ID="st5-217"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="230" VPOS="1426" ID="st5-218"/><SP/><String HEIGHT="24" CONTENT="whole" WIDTH="65" HPOS="253" VPOS="1426" ID="st5-219"/><String HEIGHT="24" CONTENT="(" WIDTH="13" HPOS="329" VPOS="1426" ID="st5-220"/><String HEIGHT="24" CONTENT="Kumhof" WIDTH="80" HPOS="342" VPOS="1426" ID="st5-221"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="433" VPOS="1426" ID="st5-222"/><SP/><String HEIGHT="24" CONTENT="Ranciere" WIDTH="85" HPOS="485" VPOS="1426" ID="st5-223"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="570" VPOS="1426" ID="st5-224"/><SP/><String HEIGHT="24" CONTENT="2010" WIDTH="50" HPOS="592" VPOS="1426" ID="st5-225"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="642" VPOS="1426" ID="st5-226"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="666" VPOS="1426" ID="st5-227"/><SP/><String HEIGHT="24" CONTENT="Stiglitz" WIDTH="69" HPOS="717" VPOS="1426" ID="st5-228"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="786" VPOS="1426" ID="st5-229"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl5-37" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="2015" WIDTH="46" HPOS="196" VPOS="1463" ID="st5-230"/><String HEIGHT="23" CONTENT=")" WIDTH="12" HPOS="242" VPOS="1463" ID="st5-231"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="254" VPOS="1463" ID="st5-232"/><SP/><String HEIGHT="23" CONTENT="Inequality" WIDTH="103" HPOS="276" VPOS="1463" ID="st5-233"/><SP/><String HEIGHT="23" CONTENT="will" WIDTH="36" HPOS="390" VPOS="1463" ID="st5-234"/><SP/><String HEIGHT="23" CONTENT="also" WIDTH="41" HPOS="437" VPOS="1463" ID="st5-235"/><SP/><String HEIGHT="23" CONTENT="continue" WIDTH="93" HPOS="489" VPOS="1463" ID="st5-236"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="592" VPOS="1463" ID="st5-237"/><SP/><String HEIGHT="23" CONTENT="grow" WIDTH="48" HPOS="625" VPOS="1463" ID="st5-238"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="673" VPOS="1463" ID="st5-239"/><SP/><String HEIGHT="23" CONTENT="An" WIDTH="30" HPOS="697" VPOS="1463" ID="st5-240"/><SP/><String HEIGHT="23" CONTENT="initial" WIDTH="57" HPOS="738" VPOS="1463" ID="st5-241"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl5-38" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="regression" WIDTH="108" HPOS="196" VPOS="1499" ID="st5-242"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="314" VPOS="1499" ID="st5-243"/><SP/><String HEIGHT="23" CONTENT="financialization" WIDTH="160" HPOS="346" VPOS="1499" ID="st5-244"/><SP/><String HEIGHT="23" CONTENT="indicators" WIDTH="103" HPOS="516" VPOS="1499" ID="st5-245"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="629" VPOS="1499" ID="st5-246"/><SP/><String HEIGHT="23" CONTENT="income" WIDTH="78" HPOS="679" VPOS="1499" ID="st5-247"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="767" VPOS="1499" ID="st5-248" SUBS_TYPE="HypPart1" SUBS_CONTENT="inequality"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="1499" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl5-39" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="equality" WIDTH="89" HPOS="196" VPOS="1535" ID="st5-249" SUBS_TYPE="HypPart2" SUBS_CONTENT="inequality"/><String HEIGHT="24" CONTENT="—" WIDTH="11" HPOS="285" VPOS="1535" ID="st5-250"/><String HEIGHT="24" CONTENT="controlling" WIDTH="124" HPOS="296" VPOS="1535" ID="st5-251"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="433" VPOS="1535" ID="st5-252"/><SP/><String HEIGHT="24" CONTENT="conventional" WIDTH="137" HPOS="476" VPOS="1535" ID="st5-253"/><SP/><String HEIGHT="24" CONTENT="explanations" WIDTH="134" HPOS="626" VPOS="1535" ID="st5-254"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1535" ID="st5-255"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl5-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="inequality" WIDTH="117" HPOS="196" VPOS="1571" ID="st5-256"/><String HEIGHT="24" CONTENT="—" WIDTH="11" HPOS="313" VPOS="1571" ID="st5-257"/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="324" VPOS="1571" ID="st5-258"/><SP/><String HEIGHT="24" CONTENT="shown" WIDTH="71" HPOS="371" VPOS="1571" ID="st5-259"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="452" VPOS="1571" ID="st5-260"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="47" HPOS="475" VPOS="1571" ID="st5-261"/><SP/><String HEIGHT="24" CONTENT="correlation" WIDTH="113" HPOS="533" VPOS="1571" ID="st5-262"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="93" HPOS="657" VPOS="1571" ID="st5-263"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1571" ID="st5-264"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl5-41" WIDTH="178" HEIGHT="24"><String HEIGHT="24" CONTENT="two" WIDTH="42" HPOS="196" VPOS="1607" ID="st5-265"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="245" VPOS="1607" ID="st5-266"/><String HEIGHT="24" CONTENT="Kus" WIDTH="32" HPOS="255" VPOS="1607" ID="st5-267"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="287" VPOS="1607" ID="st5-268"/><SP/><String HEIGHT="24" CONTENT="2012" WIDTH="46" HPOS="305" VPOS="1607" ID="st5-269"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="351" VPOS="1607" ID="st5-270"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="362" VPOS="1607" ID="st5-271"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl5-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Ironically" WIDTH="88" HPOS="196" VPOS="1679" ID="st5-272"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="284" VPOS="1679" ID="st5-273"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="298" VPOS="1679" ID="st5-274"/><SP/><String HEIGHT="24" CONTENT="very" WIDTH="43" HPOS="338" VPOS="1679" ID="st5-275"/><SP/><String HEIGHT="24" CONTENT="people" WIDTH="72" HPOS="386" VPOS="1679" ID="st5-276"/><SP/><String HEIGHT="24" CONTENT="whom" WIDTH="68" HPOS="463" VPOS="1679" ID="st5-277"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="537" VPOS="1679" ID="st5-278"/><SP/><String HEIGHT="24" CONTENT="Anglo" WIDTH="61" HPOS="577" VPOS="1679" ID="st5-279"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="638" VPOS="1679" ID="st5-280"/><String HEIGHT="24" CONTENT="American" WIDTH="99" HPOS="650" VPOS="1679" ID="st5-281"/><SP/><String HEIGHT="24" CONTENT="cor" WIDTH="30" HPOS="755" VPOS="1679" ID="st5-282" SUBS_TYPE="HypPart1" SUBS_CONTENT="corporate"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1679" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl5-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="porate" WIDTH="70" HPOS="196" VPOS="1715" ID="st5-283" SUBS_TYPE="HypPart2" SUBS_CONTENT="corporate"/><SP/><String HEIGHT="24" CONTENT="governance" WIDTH="124" HPOS="271" VPOS="1715" ID="st5-284"/><SP/><String HEIGHT="24" CONTENT="model" WIDTH="66" HPOS="401" VPOS="1715" ID="st5-285"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="473" VPOS="1715" ID="st5-286"/><SP/><String HEIGHT="24" CONTENT="supposed" WIDTH="102" HPOS="493" VPOS="1715" ID="st5-287"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="600" VPOS="1715" ID="st5-288"/><SP/><String HEIGHT="24" CONTENT="place" WIDTH="55" HPOS="628" VPOS="1715" ID="st5-289"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="689" VPOS="1715" ID="st5-290"/><SP/><String HEIGHT="24" CONTENT="control" WIDTH="70" HPOS="714" VPOS="1715" ID="st5-291"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="1715" ID="st5-292"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl5-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="long" WIDTH="47" HPOS="196" VPOS="1751" ID="st5-293"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="243" VPOS="1751" ID="st5-294"/><String HEIGHT="24" CONTENT="term" WIDTH="48" HPOS="254" VPOS="1751" ID="st5-295"/><SP/><String HEIGHT="24" CONTENT="shareholders" WIDTH="130" HPOS="313" VPOS="1751" ID="st5-296"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="443" VPOS="1751" ID="st5-297"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="465" VPOS="1751" ID="st5-298"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="509" VPOS="1751" ID="st5-299"/><SP/><String HEIGHT="24" CONTENT="ultimately" WIDTH="104" HPOS="562" VPOS="1751" ID="st5-300"/><SP/><String HEIGHT="24" CONTENT="harmed" WIDTH="82" HPOS="677" VPOS="1751" ID="st5-301"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="770" VPOS="1751" ID="st5-302"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl5-45" WIDTH="517" HEIGHT="23"><String HEIGHT="23" CONTENT="these" WIDTH="57" HPOS="196" VPOS="1788" ID="st5-303"/><SP/><String HEIGHT="23" CONTENT="trends" WIDTH="62" HPOS="261" VPOS="1788" ID="st5-304"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="323" VPOS="1788" ID="st5-305"/><SP/><String HEIGHT="23" CONTENT="Even" WIDTH="50" HPOS="341" VPOS="1788" ID="st5-306"/><SP/><String HEIGHT="23" CONTENT="as" WIDTH="23" HPOS="398" VPOS="1788" ID="st5-307"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="428" VPOS="1788" ID="st5-308"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="470" VPOS="1788" ID="st5-309"/><String HEIGHT="23" CONTENT="shareholder" WIDTH="127" HPOS="481" VPOS="1788" ID="st5-310"/><SP/><String HEIGHT="23" CONTENT="primacy" WIDTH="84" HPOS="616" VPOS="1788" ID="st5-311"/><String HEIGHT="23" CONTENT="«" WIDTH="13" HPOS="700" VPOS="1788" ID="st5-312"/></TextLine><TextLine HPOS="713" VPOS="1787" ID="tl5-46" WIDTH="8" HEIGHT="13"><String HEIGHT="13" CONTENT="2" WIDTH="8" HPOS="713" VPOS="1787" ID="st5-313"/></TextLine><TextLine HPOS="728" VPOS="1788" ID="tl5-47" WIDTH="67" HEIGHT="23"><String HEIGHT="23" CONTENT="model" WIDTH="67" HPOS="728" VPOS="1788" ID="st5-314"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl5-48" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="196" VPOS="1824" ID="st5-315"/><SP/><String HEIGHT="23" CONTENT="corporate" WIDTH="103" HPOS="227" VPOS="1824" ID="st5-316"/><SP/><String HEIGHT="23" CONTENT="governance" WIDTH="124" HPOS="338" VPOS="1824" ID="st5-317"/><SP/><String HEIGHT="23" CONTENT="has" WIDTH="36" HPOS="470" VPOS="1824" ID="st5-318"/><SP/><String HEIGHT="23" CONTENT="become" WIDTH="84" HPOS="515" VPOS="1824" ID="st5-319"/><SP/><String HEIGHT="23" CONTENT="predominant" WIDTH="132" HPOS="608" VPOS="1824" ID="st5-320"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="740" VPOS="1824" ID="st5-321"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1824" ID="st5-322"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl5-49" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="risks" WIDTH="47" HPOS="196" VPOS="1860" ID="st5-323"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="255" VPOS="1860" ID="st5-324"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="37" HPOS="282" VPOS="1860" ID="st5-325"/><SP/><String HEIGHT="24" CONTENT="created" WIDTH="80" HPOS="331" VPOS="1860" ID="st5-326"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="423" VPOS="1860" ID="st5-327"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="467" VPOS="1860" ID="st5-328"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="547" VPOS="1860" ID="st5-329"/><SP/><String HEIGHT="24" CONTENT="consumers" WIDTH="109" HPOS="572" VPOS="1860" ID="st5-330"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="681" VPOS="1860" ID="st5-331"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="707" VPOS="1860" ID="st5-332"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1860" ID="st5-333"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl5-50" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="economy" WIDTH="98" HPOS="196" VPOS="1896" ID="st5-334"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="303" VPOS="1896" ID="st5-335"/><SP/><String HEIGHT="24" CONTENT="spilled" WIDTH="67" HPOS="363" VPOS="1896" ID="st5-336"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="440" VPOS="1896" ID="st5-337"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="495" VPOS="1896" ID="st5-338"/><SP/><String HEIGHT="24" CONTENT="affect" WIDTH="61" HPOS="527" VPOS="1896" ID="st5-339"/><SP/><String HEIGHT="24" CONTENT="shareholder" WIDTH="124" HPOS="598" VPOS="1896" ID="st5-340"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="52" HPOS="732" VPOS="1896" ID="st5-341"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="1896" ID="st5-342"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl5-51" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="196" VPOS="1932" ID="st5-343"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="247" VPOS="1932" ID="st5-344"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="315" VPOS="1932" ID="st5-345"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="46" HPOS="387" VPOS="1932" ID="st5-346"/><SP/><String HEIGHT="24" CONTENT="study" WIDTH="57" HPOS="445" VPOS="1932" ID="st5-347"/><SP/><String HEIGHT="24" CONTENT="examined" WIDTH="103" HPOS="514" VPOS="1932" ID="st5-348"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="65" HPOS="629" VPOS="1932" ID="st5-349"/><SP/><String HEIGHT="24" CONTENT="provides" WIDTH="89" HPOS="706" VPOS="1932" ID="st5-350"/></TextLine><TextLine HPOS="196" VPOS="1996" ID="tl5-52" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="2" WIDTH="7" HPOS="196" VPOS="1996" ID="st5-351"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="203" VPOS="1996" ID="st5-352"/><String HEIGHT="18" CONTENT=" " WIDTH="8" HPOS="210" VPOS="1996" ID="st5-353"/><SP/><String HEIGHT="18" CONTENT="Shareholder" WIDTH="99" HPOS="222" VPOS="1996" ID="st5-354"/><SP/><String HEIGHT="18" CONTENT="primacy" WIDTH="65" HPOS="326" VPOS="1996" ID="st5-355"/><SP/><String HEIGHT="18" CONTENT="is" WIDTH="12" HPOS="396" VPOS="1996" ID="st5-356"/><SP/><String HEIGHT="18" CONTENT="a" WIDTH="10" HPOS="413" VPOS="1996" ID="st5-357"/><SP/><String HEIGHT="18" CONTENT="theory" WIDTH="53" HPOS="428" VPOS="1996" ID="st5-358"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="16" HPOS="486" VPOS="1996" ID="st5-359"/><SP/><String HEIGHT="18" CONTENT="corporate" WIDTH="80" HPOS="507" VPOS="1996" ID="st5-360"/><SP/><String HEIGHT="18" CONTENT="governance" WIDTH="96" HPOS="592" VPOS="1996" ID="st5-361"/><SP/><String HEIGHT="18" CONTENT="holding" WIDTH="63" HPOS="693" VPOS="1996" ID="st5-362"/><SP/><String HEIGHT="18" CONTENT="that" WIDTH="34" HPOS="761" VPOS="1996" ID="st5-363"/></TextLine><TextLine HPOS="196" VPOS="2019" ID="tl5-53" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="shareholder" WIDTH="97" HPOS="196" VPOS="2019" ID="st5-364"/><SP/><String HEIGHT="18" CONTENT="interests" WIDTH="69" HPOS="299" VPOS="2019" ID="st5-365"/><SP/><String HEIGHT="18" CONTENT="should" WIDTH="56" HPOS="373" VPOS="2019" ID="st5-366"/><SP/><String HEIGHT="18" CONTENT="be" WIDTH="21" HPOS="434" VPOS="2019" ID="st5-367"/><SP/><String HEIGHT="18" CONTENT="assigned" WIDTH="71" HPOS="461" VPOS="2019" ID="st5-368"/><SP/><String HEIGHT="18" CONTENT="first" WIDTH="31" HPOS="538" VPOS="2019" ID="st5-369"/><SP/><String HEIGHT="18" CONTENT="priority" WIDTH="58" HPOS="575" VPOS="2019" ID="st5-370"/><SP/><String HEIGHT="18" CONTENT="relative" WIDTH="59" HPOS="639" VPOS="2019" ID="st5-371"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="18" HPOS="703" VPOS="2019" ID="st5-372"/><SP/><String HEIGHT="18" CONTENT="all" WIDTH="19" HPOS="726" VPOS="2019" ID="st5-373"/><SP/><String HEIGHT="18" CONTENT="other" WIDTH="45" HPOS="750" VPOS="2019" ID="st5-374"/></TextLine><TextLine HPOS="196" VPOS="2042" ID="tl5-54" WIDTH="195" HEIGHT="19"><String HEIGHT="19" CONTENT="corporate" WIDTH="80" HPOS="196" VPOS="2042" ID="st5-375"/><SP/><String HEIGHT="19" CONTENT="stakeholders" WIDTH="100" HPOS="282" VPOS="2042" ID="st5-376"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="382" VPOS="2042" ID="st5-377"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl5-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="858" VPOS="1029" ID="st5-378"/><SP/><String HEIGHT="24" CONTENT="clear" WIDTH="51" HPOS="883" VPOS="1029" ID="st5-379"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="89" HPOS="947" VPOS="1029" ID="st5-380"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1050" VPOS="1029" ID="st5-381"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="1085" VPOS="1029" ID="st5-382"/><SP/><String HEIGHT="24" CONTENT="trend" WIDTH="53" HPOS="1136" VPOS="1029" ID="st5-383"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1189" VPOS="1029" ID="st5-384"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1213" VPOS="1029" ID="st5-385"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="44" HPOS="1266" VPOS="1029" ID="st5-386"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="1310" VPOS="1029" ID="st5-387"/><String HEIGHT="24" CONTENT="s" WIDTH="12" HPOS="1321" VPOS="1029" ID="st5-388"/><SP/><String HEIGHT="24" CONTENT="aggressive" WIDTH="110" HPOS="1346" VPOS="1029" ID="st5-389"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl5-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="pursuit" WIDTH="73" HPOS="858" VPOS="1065" ID="st5-390"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="940" VPOS="1065" ID="st5-391"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="971" VPOS="1065" ID="st5-392"/><SP/><String HEIGHT="24" CONTENT="share" WIDTH="57" HPOS="1054" VPOS="1065" ID="st5-393"/><SP/><String HEIGHT="24" CONTENT="through" WIDTH="86" HPOS="1119" VPOS="1065" ID="st5-394"/><String HEIGHT="24" CONTENT="»" WIDTH="10" HPOS="1214" VPOS="1065" ID="st5-395"/><String HEIGHT="24" CONTENT="cross" WIDTH="52" HPOS="1224" VPOS="1065" ID="st5-396"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="1276" VPOS="1065" ID="st5-397"/><String HEIGHT="24" CONTENT="selling" WIDTH="72" HPOS="1286" VPOS="1065" ID="st5-398"/><String HEIGHT="24" CONTENT="«" WIDTH="11" HPOS="1358" VPOS="1065" ID="st5-399"/><SP/><String HEIGHT="24" CONTENT="created" WIDTH="78" HPOS="1378" VPOS="1065" ID="st5-400"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl5-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="858" VPOS="1101" ID="st5-401"/><SP/><String HEIGHT="24" CONTENT="uncontrolled" WIDTH="135" HPOS="891" VPOS="1101" ID="st5-402"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1033" VPOS="1101" ID="st5-403"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1077" VPOS="1101" ID="st5-404"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1114" VPOS="1101" ID="st5-405"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="44" HPOS="1156" VPOS="1101" ID="st5-406"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="1200" VPOS="1101" ID="st5-407"/><String HEIGHT="24" CONTENT="s" WIDTH="12" HPOS="1211" VPOS="1101" ID="st5-408"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="109" HPOS="1230" VPOS="1101" ID="st5-409"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1346" VPOS="1101" ID="st5-410"/><SP/><String HEIGHT="24" CONTENT="work" WIDTH="50" HPOS="1394" VPOS="1101" ID="st5-411" SUBS_TYPE="HypPart1" SUBS_CONTENT="workers"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1101" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl5-58" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="ers" WIDTH="39" HPOS="858" VPOS="1138" ID="st5-412" SUBS_TYPE="HypPart2" SUBS_CONTENT="workers"/><String HEIGHT="23" CONTENT="—" WIDTH="14" HPOS="897" VPOS="1138" ID="st5-413"/><String HEIGHT="23" CONTENT="from" WIDTH="53" HPOS="911" VPOS="1138" ID="st5-414"/><SP/><String HEIGHT="23" CONTENT="line" WIDTH="37" HPOS="972" VPOS="1138" ID="st5-415"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="1016" VPOS="1138" ID="st5-416"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="1076" VPOS="1138" ID="st5-417"/><SP/><String HEIGHT="23" CONTENT="selling" WIDTH="66" HPOS="1169" VPOS="1138" ID="st5-418"/><SP/><String HEIGHT="23" CONTENT="credit" WIDTH="59" HPOS="1243" VPOS="1138" ID="st5-419"/><SP/><String HEIGHT="23" CONTENT="card" WIDTH="45" HPOS="1309" VPOS="1138" ID="st5-420"/><SP/><String HEIGHT="23" CONTENT="accounts" WIDTH="94" HPOS="1362" VPOS="1138" ID="st5-421"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl5-59" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="858" VPOS="1174" ID="st5-422"/><SP/><String HEIGHT="23" CONTENT="professional" WIDTH="128" HPOS="889" VPOS="1174" ID="st5-423"/><SP/><String HEIGHT="23" CONTENT="wealth" WIDTH="72" HPOS="1026" VPOS="1174" ID="st5-424"/><SP/><String HEIGHT="23" CONTENT="managers" WIDTH="105" HPOS="1107" VPOS="1174" ID="st5-425"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1221" VPOS="1174" ID="st5-426"/><SP/><String HEIGHT="23" CONTENT="advisers" WIDTH="83" HPOS="1271" VPOS="1174" ID="st5-427"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="1363" VPOS="1174" ID="st5-428"/><String HEIGHT="23" CONTENT="Reuters" WIDTH="72" HPOS="1373" VPOS="1174" ID="st5-429"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1445" VPOS="1174" ID="st5-430"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl5-60" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="858" VPOS="1210" ID="st5-431"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="904" VPOS="1210" ID="st5-432"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="915" VPOS="1210" ID="st5-433"/><SP/><String HEIGHT="24" CONTENT="When" WIDTH="63" HPOS="937" VPOS="1210" ID="st5-434"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="1010" VPOS="1210" ID="st5-435"/><SP/><String HEIGHT="24" CONTENT="risks" WIDTH="46" HPOS="1076" VPOS="1210" ID="st5-436"/><SP/><String HEIGHT="24" CONTENT="manifested" WIDTH="118" HPOS="1131" VPOS="1210" ID="st5-437"/><SP/><String HEIGHT="24" CONTENT="themselves" WIDTH="112" HPOS="1258" VPOS="1210" ID="st5-438"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1370" VPOS="1210" ID="st5-439"/><SP/><String HEIGHT="24" CONTENT="share" WIDTH="55" HPOS="1391" VPOS="1210" ID="st5-440" SUBS_TYPE="HypPart1" SUBS_CONTENT="shareholders"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1210" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl5-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="holders" WIDTH="78" HPOS="858" VPOS="1246" ID="st5-441" SUBS_TYPE="HypPart2" SUBS_CONTENT="shareholders"/><SP/><String HEIGHT="24" CONTENT="lost" WIDTH="37" HPOS="945" VPOS="1246" ID="st5-442"/><SP/><String HEIGHT="24" CONTENT="share" WIDTH="56" HPOS="992" VPOS="1246" ID="st5-443"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="56" HPOS="1057" VPOS="1246" ID="st5-444"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="35" HPOS="1122" VPOS="1246" ID="st5-445"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1157" VPOS="1246" ID="st5-446"/><SP/><String HEIGHT="24" CONTENT="through" WIDTH="85" HPOS="1179" VPOS="1246" ID="st5-447"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1274" VPOS="1246" ID="st5-448"/><SP/><String HEIGHT="24" CONTENT="disruption" WIDTH="107" HPOS="1318" VPOS="1246" ID="st5-449"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1434" VPOS="1246" ID="st5-450"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl5-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1282" ID="st5-451"/><SP/><String HEIGHT="24" CONTENT="corporate" WIDTH="103" HPOS="900" VPOS="1282" ID="st5-452"/><SP/><String HEIGHT="24" CONTENT="structure" WIDTH="94" HPOS="1011" VPOS="1282" ID="st5-453"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1113" VPOS="1282" ID="st5-454"/><SP/><String HEIGHT="24" CONTENT="ensued" WIDTH="71" HPOS="1164" VPOS="1282" ID="st5-455"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1235" VPOS="1282" ID="st5-456"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="1255" VPOS="1282" ID="st5-457"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="59" HPOS="1320" VPOS="1282" ID="st5-458"/><SP/><String HEIGHT="24" CONTENT="lost" WIDTH="38" HPOS="1387" VPOS="1282" ID="st5-459"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="1433" VPOS="1282" ID="st5-460"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl5-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="CEO" WIDTH="40" HPOS="858" VPOS="1318" ID="st5-461"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="898" VPOS="1318" ID="st5-462"/><SP/><String HEIGHT="24" CONTENT="experienced" WIDTH="128" HPOS="924" VPOS="1318" ID="st5-463"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="1064" VPOS="1318" ID="st5-464"/><SP/><String HEIGHT="24" CONTENT="almost" WIDTH="71" HPOS="1102" VPOS="1318" ID="st5-465"/><SP/><String HEIGHT="24" CONTENT="complete" WIDTH="99" HPOS="1185" VPOS="1318" ID="st5-466"/><SP/><String HEIGHT="24" CONTENT="turnover" WIDTH="91" HPOS="1296" VPOS="1318" ID="st5-467"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1398" VPOS="1318" ID="st5-468"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1432" VPOS="1318" ID="st5-469"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl5-64" WIDTH="204" HEIGHT="24"><String HEIGHT="24" CONTENT="Board" WIDTH="62" HPOS="858" VPOS="1354" ID="st5-470"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="929" VPOS="1354" ID="st5-471"/><SP/><String HEIGHT="24" CONTENT="Directors" WIDTH="90" HPOS="961" VPOS="1354" ID="st5-472"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1051" VPOS="1354" ID="st5-473"/></TextLine><TextLine HPOS="1062" VPOS="1353" ID="tl5-65" WIDTH="8" HEIGHT="14"><String HEIGHT="14" CONTENT="3" WIDTH="8" HPOS="1062" VPOS="1353" ID="st5-474"/></TextLine><TextLine HPOS="1080" VPOS="1354" ID="tl5-66" WIDTH="376" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1080" VPOS="1354" ID="st5-475"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="41" HPOS="1129" VPOS="1354" ID="st5-476"/><SP/><String HEIGHT="24" CONTENT="serious" WIDTH="74" HPOS="1179" VPOS="1354" ID="st5-477"/><SP/><String HEIGHT="24" CONTENT="restrictions" WIDTH="115" HPOS="1262" VPOS="1354" ID="st5-478"/><SP/><String HEIGHT="24" CONTENT="placed" WIDTH="69" HPOS="1387" VPOS="1354" ID="st5-479"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl5-67" WIDTH="573" HEIGHT="24"><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="858" VPOS="1390" ID="st5-480"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="893" VPOS="1390" ID="st5-481"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="77" HPOS="923" VPOS="1390" ID="st5-482"/><String HEIGHT="24" CONTENT="(" WIDTH="8" HPOS="1007" VPOS="1390" ID="st5-483"/><String HEIGHT="24" CONTENT="Flitter" WIDTH="56" HPOS="1015" VPOS="1390" ID="st5-484"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="1071" VPOS="1390" ID="st5-485"/><SP/><String HEIGHT="24" CONTENT="Appelbaum" WIDTH="117" HPOS="1086" VPOS="1390" ID="st5-486"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1203" VPOS="1390" ID="st5-487"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1223" VPOS="1390" ID="st5-488"/><SP/><String HEIGHT="24" CONTENT="Cowley" WIDTH="72" HPOS="1270" VPOS="1390" ID="st5-489"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1342" VPOS="1390" ID="st5-490"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="1361" VPOS="1390" ID="st5-491"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1407" VPOS="1390" ID="st5-492"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1419" VPOS="1390" ID="st5-493"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl5-68" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="Research" WIDTH="94" HPOS="858" VPOS="1463" ID="st5-494"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="957" VPOS="1463" ID="st5-495"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="987" VPOS="1463" ID="st5-496"/><SP/><String HEIGHT="23" CONTENT="International" WIDTH="135" HPOS="1028" VPOS="1463" ID="st5-497"/><SP/><String HEIGHT="23" CONTENT="Monetary" WIDTH="103" HPOS="1168" VPOS="1463" ID="st5-498"/><SP/><String HEIGHT="23" CONTENT="Fund" WIDTH="53" HPOS="1276" VPOS="1463" ID="st5-499"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="1334" VPOS="1463" ID="st5-500"/><String HEIGHT="23" CONTENT="IMF" WIDTH="32" HPOS="1344" VPOS="1463" ID="st5-501"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="1376" VPOS="1463" ID="st5-502"/><SP/><String HEIGHT="23" CONTENT="found" WIDTH="64" HPOS="1392" VPOS="1463" ID="st5-503"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl5-69" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="858" VPOS="1499" ID="st5-504"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="876" VPOS="1499" ID="st5-505"/><String HEIGHT="23" CONTENT="tipping" WIDTH="77" HPOS="887" VPOS="1499" ID="st5-506"/><SP/><String HEIGHT="23" CONTENT="point" WIDTH="57" HPOS="970" VPOS="1499" ID="st5-507"/><String HEIGHT="23" CONTENT="«" WIDTH="12" HPOS="1027" VPOS="1499" ID="st5-508"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1045" VPOS="1499" ID="st5-509"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1069" VPOS="1499" ID="st5-510"/><SP/><String HEIGHT="23" CONTENT="development" WIDTH="138" HPOS="1164" VPOS="1499" ID="st5-511"/><SP/><String HEIGHT="23" CONTENT="beyond" WIDTH="79" HPOS="1308" VPOS="1499" ID="st5-512"/><SP/><String HEIGHT="23" CONTENT="which" WIDTH="64" HPOS="1392" VPOS="1499" ID="st5-513"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl5-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1535" ID="st5-514"/><SP/><String HEIGHT="24" CONTENT="risks" WIDTH="46" HPOS="899" VPOS="1535" ID="st5-515"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="951" VPOS="1535" ID="st5-516"/><SP/><String HEIGHT="24" CONTENT="increasing" WIDTH="106" HPOS="980" VPOS="1535" ID="st5-517"/><SP/><String HEIGHT="24" CONTENT="financialization" WIDTH="159" HPOS="1093" VPOS="1535" ID="st5-518"/><SP/><String HEIGHT="24" CONTENT="outweigh" WIDTH="101" HPOS="1259" VPOS="1535" ID="st5-519"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1366" VPOS="1535" ID="st5-520"/><SP/><String HEIGHT="24" CONTENT="ben" WIDTH="36" HPOS="1408" VPOS="1535" ID="st5-521" SUBS_TYPE="HypPart1" SUBS_CONTENT="benefits"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1535" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl5-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="efits" WIDTH="44" HPOS="858" VPOS="1571" ID="st5-522" SUBS_TYPE="HypPart2" SUBS_CONTENT="benefits"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="912" VPOS="1571" ID="st5-523"/><SP/><String HEIGHT="24" CONTENT="overall" WIDTH="70" HPOS="943" VPOS="1571" ID="st5-524"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="103" HPOS="1022" VPOS="1571" ID="st5-525"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="72" HPOS="1134" VPOS="1571" ID="st5-526"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1206" VPOS="1571" ID="st5-527"/><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="1228" VPOS="1571" ID="st5-528"/><String HEIGHT="24" CONTENT="Too" WIDTH="39" HPOS="1240" VPOS="1571" ID="st5-529"/><SP/><String HEIGHT="24" CONTENT="much" WIDTH="60" HPOS="1288" VPOS="1571" ID="st5-530"/><SP/><String HEIGHT="24" CONTENT="finance," WIDTH="87" HPOS="1358" VPOS="1571" ID="st5-531"/><String HEIGHT="24" CONTENT="«" WIDTH="11" HPOS="1445" VPOS="1571" ID="st5-532"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl5-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="i" WIDTH="7" HPOS="858" VPOS="1607" ID="st5-533"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="865" VPOS="1607" ID="st5-534"/><String HEIGHT="24" CONTENT="e" WIDTH="8" HPOS="873" VPOS="1607" ID="st5-535"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="881" VPOS="1607" ID="st5-536"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="889" VPOS="1607" ID="st5-537"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="903" VPOS="1607" ID="st5-538"/><SP/><String HEIGHT="24" CONTENT="credit" WIDTH="59" HPOS="969" VPOS="1607" ID="st5-539"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1034" VPOS="1607" ID="st5-540"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1062" VPOS="1607" ID="st5-541"/><SP/><String HEIGHT="24" CONTENT="private" WIDTH="72" HPOS="1103" VPOS="1607" ID="st5-542"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="1181" VPOS="1607" ID="st5-543"/><SP/><String HEIGHT="24" CONTENT="reaches" WIDTH="80" HPOS="1251" VPOS="1607" ID="st5-544"/><SP/><String HEIGHT="24" CONTENT="80" WIDTH="25" HPOS="1338" VPOS="1607" ID="st5-545"/><String HEIGHT="24" CONTENT="-" WIDTH="13" HPOS="1363" VPOS="1607" ID="st5-546"/><String HEIGHT="24" CONTENT="100" WIDTH="39" HPOS="1376" VPOS="1607" ID="st5-547"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="34" HPOS="1422" VPOS="1607" ID="st5-548"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl5-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="858" VPOS="1643" ID="st5-549"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="911" VPOS="1643" ID="st5-550"/><SP/><String HEIGHT="24" CONTENT="GDP" WIDTH="37" HPOS="941" VPOS="1643" ID="st5-551"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="978" VPOS="1643" ID="st5-552"/><SP/><String HEIGHT="24" CONTENT="increases" WIDTH="95" HPOS="999" VPOS="1643" ID="st5-553"/><SP/><String HEIGHT="24" CONTENT="macroeconomic" WIDTH="169" HPOS="1102" VPOS="1643" ID="st5-554"/><SP/><String HEIGHT="24" CONTENT="volatility" WIDTH="88" HPOS="1278" VPOS="1643" ID="st5-555"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1373" VPOS="1643" ID="st5-556"/><String HEIGHT="24" CONTENT="Arcand" WIDTH="72" HPOS="1384" VPOS="1643" ID="st5-557"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl5-74" WIDTH="395" HEIGHT="24"><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="858" VPOS="1679" ID="st5-558"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="886" VPOS="1679" ID="st5-559"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="902" VPOS="1679" ID="st5-560"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="910" VPOS="1679" ID="st5-561"/><SP/><String HEIGHT="24" CONTENT="2012" WIDTH="46" HPOS="925" VPOS="1679" ID="st5-562"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="971" VPOS="1679" ID="st5-563"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="982" VPOS="1679" ID="st5-564"/><SP/><String HEIGHT="24" CONTENT="Total" WIDTH="50" HPOS="1002" VPOS="1679" ID="st5-565"/><SP/><String HEIGHT="24" CONTENT="factor" WIDTH="62" HPOS="1059" VPOS="1679" ID="st5-566"/><SP/><String HEIGHT="24" CONTENT="productivity" WIDTH="125" HPOS="1128" VPOS="1679" ID="st5-567"/></TextLine><TextLine HPOS="1253" VPOS="1678" ID="tl5-75" WIDTH="8" HEIGHT="14"><String HEIGHT="14" CONTENT="4" WIDTH="8" HPOS="1253" VPOS="1678" ID="st5-568"/></TextLine><TextLine HPOS="1268" VPOS="1679" ID="tl5-76" WIDTH="188" HEIGHT="24"><String HEIGHT="24" CONTENT="declines" WIDTH="85" HPOS="1268" VPOS="1679" ID="st5-569"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1360" VPOS="1679" ID="st5-570"/><SP/><String HEIGHT="24" CONTENT="inef" WIDTH="39" HPOS="1408" VPOS="1679" ID="st5-571" SUBS_TYPE="HypPart1" SUBS_CONTENT="inefficiencies"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1679" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl5-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ficiencies" WIDTH="96" HPOS="858" VPOS="1715" ID="st5-572" SUBS_TYPE="HypPart2" SUBS_CONTENT="inefficiencies"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="964" VPOS="1715" ID="st5-573"/><SP/><String HEIGHT="24" CONTENT="introduced" WIDTH="115" HPOS="1008" VPOS="1715" ID="st5-574"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="1134" VPOS="1715" ID="st5-575"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1204" VPOS="1715" ID="st5-576"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1250" VPOS="1715" ID="st5-577"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="63" HPOS="1350" VPOS="1715" ID="st5-578"/><SP/><String HEIGHT="24" CONTENT="ex" WIDTH="22" HPOS="1424" VPOS="1715" ID="st5-579" SUBS_TYPE="HypPart1" SUBS_CONTENT="expands"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1715" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl5-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="pands" WIDTH="64" HPOS="858" VPOS="1751" ID="st5-580" SUBS_TYPE="HypPart2" SUBS_CONTENT="expands"/><SP/><String HEIGHT="24" CONTENT="past" WIDTH="44" HPOS="928" VPOS="1751" ID="st5-581"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="979" VPOS="1751" ID="st5-582"/><SP/><String HEIGHT="24" CONTENT="tipping" WIDTH="75" HPOS="1020" VPOS="1751" ID="st5-583"/><SP/><String HEIGHT="24" CONTENT="point" WIDTH="52" HPOS="1101" VPOS="1751" ID="st5-584"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1153" VPOS="1751" ID="st5-585"/><SP/><String HEIGHT="24" CONTENT="While" WIDTH="61" HPOS="1170" VPOS="1751" ID="st5-586"/><SP/><String HEIGHT="24" CONTENT="capital" WIDTH="70" HPOS="1237" VPOS="1751" ID="st5-587"/><SP/><String HEIGHT="24" CONTENT="accumulation" WIDTH="143" HPOS="1313" VPOS="1751" ID="st5-588"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl5-79" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="remains" WIDTH="83" HPOS="858" VPOS="1788" ID="st5-589"/><SP/><String HEIGHT="23" CONTENT="unimpeded" WIDTH="115" HPOS="951" VPOS="1788" ID="st5-590"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1066" VPOS="1788" ID="st5-591"/><SP/><String HEIGHT="23" CONTENT="capital" WIDTH="69" HPOS="1089" VPOS="1788" ID="st5-592"/><SP/><String HEIGHT="23" CONTENT="allocation" WIDTH="103" HPOS="1168" VPOS="1788" ID="st5-593"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1281" VPOS="1788" ID="st5-594"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1331" VPOS="1788" ID="st5-595"/><SP/><String HEIGHT="23" CONTENT="efficacy" WIDTH="80" HPOS="1376" VPOS="1788" ID="st5-596"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl5-80" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1824" ID="st5-597"/><SP/><String HEIGHT="23" CONTENT="corporate" WIDTH="103" HPOS="888" VPOS="1824" ID="st5-598"/><SP/><String HEIGHT="23" CONTENT="control" WIDTH="75" HPOS="999" VPOS="1824" ID="st5-599"/><SP/><String HEIGHT="23" CONTENT="begin" WIDTH="60" HPOS="1082" VPOS="1824" ID="st5-600"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1150" VPOS="1824" ID="st5-601"/><SP/><String HEIGHT="23" CONTENT="break" WIDTH="59" HPOS="1181" VPOS="1824" ID="st5-602"/><SP/><String HEIGHT="23" CONTENT="down" WIDTH="61" HPOS="1248" VPOS="1824" ID="st5-603"/><String HEIGHT="23" CONTENT="(" WIDTH="11" HPOS="1317" VPOS="1824" ID="st5-604"/><String HEIGHT="23" CONTENT="Sahay" WIDTH="59" HPOS="1328" VPOS="1824" ID="st5-605"/><SP/><String HEIGHT="23" CONTENT="et" WIDTH="21" HPOS="1395" VPOS="1824" ID="st5-606"/><SP/><String HEIGHT="23" CONTENT="al" WIDTH="16" HPOS="1424" VPOS="1824" ID="st5-607"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1440" VPOS="1824" ID="st5-608"/><String HEIGHT="23" CONTENT="," WIDTH="8" HPOS="1448" VPOS="1824" ID="st5-609"/></TextLine><TextLine HPOS="858" VPOS="1908" ID="tl5-81" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="3" WIDTH="7" HPOS="858" VPOS="1908" ID="st5-610"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="865" VPOS="1908" ID="st5-611"/><String HEIGHT="19" CONTENT=" " WIDTH="8" HPOS="872" VPOS="1908" ID="st5-612"/><SP/><String HEIGHT="19" CONTENT="In" WIDTH="15" HPOS="884" VPOS="1908" ID="st5-613"/><SP/><String HEIGHT="19" CONTENT="2017" WIDTH="39" HPOS="905" VPOS="1908" ID="st5-614"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="944" VPOS="1908" ID="st5-615"/><SP/><String HEIGHT="19" CONTENT="Wells" WIDTH="44" HPOS="960" VPOS="1908" ID="st5-616"/><SP/><String HEIGHT="19" CONTENT="Fargo" WIDTH="46" HPOS="1011" VPOS="1908" ID="st5-617"/><SP/><String HEIGHT="19" CONTENT="elected" WIDTH="59" HPOS="1064" VPOS="1908" ID="st5-618"/><SP/><String HEIGHT="19" CONTENT="six" WIDTH="21" HPOS="1129" VPOS="1908" ID="st5-619"/><SP/><String HEIGHT="19" CONTENT="new" WIDTH="36" HPOS="1156" VPOS="1908" ID="st5-620"/><SP/><String HEIGHT="19" CONTENT="directors" WIDTH="71" HPOS="1198" VPOS="1908" ID="st5-621"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1276" VPOS="1908" ID="st5-622"/><SP/><String HEIGHT="19" CONTENT="a" WIDTH="9" HPOS="1314" VPOS="1908" ID="st5-623"/><SP/><String HEIGHT="19" CONTENT="new" WIDTH="35" HPOS="1330" VPOS="1908" ID="st5-624"/><SP/><String HEIGHT="19" CONTENT="independ" WIDTH="75" HPOS="1372" VPOS="1908" ID="st5-625" SUBS_TYPE="HypPart1" SUBS_CONTENT="independent"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1908" HEIGHT="19"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl5-82" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="ent" WIDTH="27" HPOS="858" VPOS="1932" ID="st5-626" SUBS_TYPE="HypPart2" SUBS_CONTENT="independent"/><SP/><String HEIGHT="18" CONTENT="chair" WIDTH="35" HPOS="890" VPOS="1932" ID="st5-627"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="925" VPOS="1932" ID="st5-628"/><SP/><String HEIGHT="18" CONTENT="Only" WIDTH="38" HPOS="938" VPOS="1932" ID="st5-629"/><SP/><String HEIGHT="18" CONTENT="two" WIDTH="32" HPOS="981" VPOS="1932" ID="st5-630"/><SP/><String HEIGHT="18" CONTENT="directors" WIDTH="71" HPOS="1018" VPOS="1932" ID="st5-631"/><SP/><String HEIGHT="18" CONTENT="have" WIDTH="39" HPOS="1094" VPOS="1932" ID="st5-632"/><SP/><String HEIGHT="18" CONTENT="been" WIDTH="41" HPOS="1138" VPOS="1932" ID="st5-633"/><SP/><String HEIGHT="18" CONTENT="part" WIDTH="33" HPOS="1184" VPOS="1932" ID="st5-634"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="18" HPOS="1222" VPOS="1932" ID="st5-635"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="28" HPOS="1244" VPOS="1932" ID="st5-636"/><SP/><String HEIGHT="18" CONTENT="board" WIDTH="49" HPOS="1276" VPOS="1932" ID="st5-637"/><SP/><String HEIGHT="18" CONTENT="since" WIDTH="41" HPOS="1330" VPOS="1932" ID="st5-638"/><SP/><String HEIGHT="18" CONTENT="2009" WIDTH="38" HPOS="1376" VPOS="1932" ID="st5-639"/><String HEIGHT="18" CONTENT=";" WIDTH="10" HPOS="1414" VPOS="1932" ID="st5-640"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1429" VPOS="1932" ID="st5-641"/></TextLine><TextLine HPOS="858" VPOS="1955" ID="tl5-83" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="remaining" WIDTH="83" HPOS="858" VPOS="1955" ID="st5-642"/><SP/><String HEIGHT="18" CONTENT="members" WIDTH="76" HPOS="947" VPOS="1955" ID="st5-643"/><SP/><String HEIGHT="18" CONTENT="were" WIDTH="40" HPOS="1030" VPOS="1955" ID="st5-644"/><SP/><String HEIGHT="18" CONTENT="appointed" WIDTH="85" HPOS="1076" VPOS="1955" ID="st5-645"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1167" VPOS="1955" ID="st5-646"/><SP/><String HEIGHT="18" CONTENT="2015" WIDTH="43" HPOS="1188" VPOS="1955" ID="st5-647"/><SP/><String HEIGHT="18" CONTENT="or" WIDTH="17" HPOS="1238" VPOS="1955" ID="st5-648"/><SP/><String HEIGHT="18" CONTENT="later" WIDTH="33" HPOS="1261" VPOS="1955" ID="st5-649"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="1294" VPOS="1955" ID="st5-650"/><SP/><String HEIGHT="18" CONTENT="See" WIDTH="26" HPOS="1307" VPOS="1955" ID="st5-651"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1333" VPOS="1955" ID="st5-652"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="45" HPOS="1348" VPOS="1955" ID="st5-653"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1393" VPOS="1955" ID="st5-654"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="1402" VPOS="1955" ID="st5-655"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1955" ID="st5-656"/></TextLine><TextLine HPOS="858" VPOS="1978" ID="tl5-84" WIDTH="378" HEIGHT="19"><String HEIGHT="19" CONTENT="wellsfargo" WIDTH="87" HPOS="858" VPOS="1978" ID="st5-657"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="945" VPOS="1978" ID="st5-658"/><String HEIGHT="19" CONTENT="com/about/corporate/governance/" WIDTH="273" HPOS="954" VPOS="1978" ID="st5-659"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1227" VPOS="1978" ID="st5-660"/></TextLine><TextLine HPOS="858" VPOS="2013" ID="tl5-85" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="4" WIDTH="6" HPOS="858" VPOS="2013" ID="st5-661"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="864" VPOS="2013" ID="st5-662"/><String HEIGHT="19" CONTENT=" " WIDTH="7" HPOS="871" VPOS="2013" ID="st5-663"/><SP/><String HEIGHT="19" CONTENT="Total" WIDTH="38" HPOS="884" VPOS="2013" ID="st5-664"/><SP/><String HEIGHT="19" CONTENT="factor" WIDTH="48" HPOS="927" VPOS="2013" ID="st5-665"/><SP/><String HEIGHT="19" CONTENT="productivity" WIDTH="97" HPOS="979" VPOS="2013" ID="st5-666"/><SP/><String HEIGHT="19" CONTENT="is" WIDTH="12" HPOS="1080" VPOS="2013" ID="st5-667"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1096" VPOS="2013" ID="st5-668"/><SP/><String HEIGHT="19" CONTENT="portion" WIDTH="61" HPOS="1127" VPOS="2013" ID="st5-669"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1192" VPOS="2013" ID="st5-670"/><SP/><String HEIGHT="19" CONTENT="output" WIDTH="56" HPOS="1213" VPOS="2013" ID="st5-671"/><SP/><String HEIGHT="19" CONTENT="not" WIDTH="28" HPOS="1274" VPOS="2013" ID="st5-672"/><SP/><String HEIGHT="19" CONTENT="explained" WIDTH="79" HPOS="1306" VPOS="2013" ID="st5-673"/><SP/><String HEIGHT="19" CONTENT="by" WIDTH="19" HPOS="1389" VPOS="2013" ID="st5-674"/><SP/><String HEIGHT="19" CONTENT="tradi" WIDTH="37" HPOS="1412" VPOS="2013" ID="st5-675" SUBS_TYPE="HypPart1" SUBS_CONTENT="traditionally"/><HYP CONTENT="-" WIDTH="7" HPOS="1449" VPOS="2013" HEIGHT="19"/></TextLine><TextLine HPOS="858" VPOS="2037" ID="tl5-86" WIDTH="534" HEIGHT="18"><String HEIGHT="18" CONTENT="tionally" WIDTH="59" HPOS="858" VPOS="2037" ID="st5-676" SUBS_TYPE="HypPart2" SUBS_CONTENT="traditionally"/><SP/><String HEIGHT="18" CONTENT="measured" WIDTH="80" HPOS="923" VPOS="2037" ID="st5-677"/><SP/><String HEIGHT="18" CONTENT="inputs" WIDTH="50" HPOS="1009" VPOS="2037" ID="st5-678"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="1065" VPOS="2037" ID="st5-679"/><SP/><String HEIGHT="18" CONTENT="labor" WIDTH="42" HPOS="1088" VPOS="2037" ID="st5-680"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1135" VPOS="2037" ID="st5-681"/><SP/><String HEIGHT="18" CONTENT="capital" WIDTH="54" HPOS="1172" VPOS="2037" ID="st5-682"/><SP/><String HEIGHT="18" CONTENT="used" WIDTH="39" HPOS="1231" VPOS="2037" ID="st5-683"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1276" VPOS="2037" ID="st5-684"/><SP/><String HEIGHT="18" CONTENT="production" WIDTH="87" HPOS="1296" VPOS="2037" ID="st5-685"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1383" VPOS="2037" ID="st5-686"/></TextLine><TextLine HPOS="818" VPOS="2254" ID="tl5-87" WIDTH="16" HEIGHT="28"><String HEIGHT="28" CONTENT="4" WIDTH="16" HPOS="818" VPOS="2254" ID="st5-687"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="6" ID="p840445" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840445" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840445" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl6-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st6-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st6-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st6-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st6-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st6-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st6-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st6-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st6-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st6-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st6-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st6-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st6-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st6-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st6-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st6-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st6-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st6-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st6-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st6-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl6-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="2015" WIDTH="46" HPOS="196" VPOS="307" ID="st6-19"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="242" VPOS="307" ID="st6-20"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="254" VPOS="307" ID="st6-21"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="276" VPOS="307" ID="st6-22"/><SP/><String HEIGHT="24" CONTENT="essential" WIDTH="91" HPOS="324" VPOS="307" ID="st6-23"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="424" VPOS="307" ID="st6-24"/><SP/><String HEIGHT="24" CONTENT="functional" WIDTH="107" HPOS="474" VPOS="307" ID="st6-25"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="591" VPOS="307" ID="st6-26"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="641" VPOS="307" ID="st6-27"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="673" VPOS="307" ID="st6-28"/><SP/><String HEIGHT="24" CONTENT="finance" WIDTH="78" HPOS="717" VPOS="307" ID="st6-29"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl6-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="196" VPOS="343" ID="st6-30"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="270" VPOS="343" ID="st6-31"/><SP/><String HEIGHT="24" CONTENT="compromised" WIDTH="144" HPOS="296" VPOS="343" ID="st6-32"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="450" VPOS="343" ID="st6-33"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="520" VPOS="343" ID="st6-34"/><SP/><String HEIGHT="24" CONTENT="exceeds" WIDTH="84" HPOS="544" VPOS="343" ID="st6-35"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="638" VPOS="343" ID="st6-36"/><SP/><String HEIGHT="24" CONTENT="appropriate" WIDTH="123" HPOS="672" VPOS="343" ID="st6-37"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl6-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="share" WIDTH="53" HPOS="196" VPOS="379" ID="st6-38"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="249" VPOS="379" ID="st6-39"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="271" VPOS="379" ID="st6-40"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="323" VPOS="379" ID="st6-41"/><SP/><String HEIGHT="24" CONTENT="causes" WIDTH="70" HPOS="371" VPOS="379" ID="st6-42"/><SP/><String HEIGHT="24" CONTENT="negative" WIDTH="91" HPOS="452" VPOS="379" ID="st6-43"/><SP/><String HEIGHT="24" CONTENT="externalities" WIDTH="127" HPOS="554" VPOS="379" ID="st6-44"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="692" VPOS="379" ID="st6-45"/><SP/><String HEIGHT="24" CONTENT="society" WIDTH="72" HPOS="723" VPOS="379" ID="st6-46"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl6-4" WIDTH="107" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="196" VPOS="415" ID="st6-47"/><String HEIGHT="24" CONTENT="Figure" WIDTH="62" HPOS="206" VPOS="415" ID="st6-48"/><SP/><String HEIGHT="24" CONTENT="1" WIDTH="9" HPOS="275" VPOS="415" ID="st6-49"/><String HEIGHT="24" CONTENT=")" WIDTH="9" HPOS="284" VPOS="415" ID="st6-50"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="293" VPOS="415" ID="st6-51"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl6-5" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="196" VPOS="488" ID="st6-52"/><SP/><String HEIGHT="23" CONTENT="IMF" WIDTH="39" HPOS="249" VPOS="488" ID="st6-53"/><SP/><String HEIGHT="23" CONTENT="study" WIDTH="57" HPOS="301" VPOS="488" ID="st6-54"/><SP/><String HEIGHT="23" CONTENT="identified" WIDTH="101" HPOS="372" VPOS="488" ID="st6-55"/><SP/><String HEIGHT="23" CONTENT="certain" WIDTH="73" HPOS="486" VPOS="488" ID="st6-56"/><SP/><String HEIGHT="23" CONTENT="regulatory" WIDTH="109" HPOS="572" VPOS="488" ID="st6-57"/><SP/><String HEIGHT="23" CONTENT="principles" WIDTH="101" HPOS="694" VPOS="488" ID="st6-58"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl6-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="196" VPOS="524" ID="st6-59"/><SP/><String HEIGHT="23" CONTENT="create" WIDTH="65" HPOS="249" VPOS="524" ID="st6-60"/><SP/><String HEIGHT="23" CONTENT="an" WIDTH="26" HPOS="324" VPOS="524" ID="st6-61"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="360" VPOS="524" ID="st6-62"/><String HEIGHT="23" CONTENT="enabling" WIDTH="95" HPOS="371" VPOS="524" ID="st6-63"/><SP/><String HEIGHT="23" CONTENT="environment," WIDTH="144" HPOS="475" VPOS="524" ID="st6-64"/><String HEIGHT="23" CONTENT="«" WIDTH="12" HPOS="619" VPOS="524" ID="st6-65"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="640" VPOS="524" ID="st6-66"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="14" HPOS="693" VPOS="524" ID="st6-67"/><String HEIGHT="23" CONTENT="," WIDTH="8" HPOS="707" VPOS="524" ID="st6-68"/><SP/><String HEIGHT="23" CONTENT="one" WIDTH="41" HPOS="725" VPOS="524" ID="st6-69"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="775" VPOS="524" ID="st6-70"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl6-7" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="196" VPOS="560" ID="st6-71"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="271" VPOS="560" ID="st6-72"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="80" HPOS="371" VPOS="560" ID="st6-73"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="462" VPOS="560" ID="st6-74"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="513" VPOS="560" ID="st6-75"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="77" HPOS="613" VPOS="560" ID="st6-76"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="701" VPOS="560" ID="st6-77"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="745" VPOS="560" ID="st6-78"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl6-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="promoted" WIDTH="105" HPOS="196" VPOS="596" ID="st6-79"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="308" VPOS="596" ID="st6-80"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="89" HPOS="340" VPOS="596" ID="st6-81"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="104" HPOS="436" VPOS="596" ID="st6-82"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="540" VPOS="596" ID="st6-83"/><SP/><String HEIGHT="24" CONTENT="Countries" WIDTH="103" HPOS="557" VPOS="596" ID="st6-84"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="667" VPOS="596" ID="st6-85"/><SP/><String HEIGHT="24" CONTENT="regula" WIDTH="65" HPOS="720" VPOS="596" ID="st6-86" SUBS_TYPE="HypPart1" SUBS_CONTENT="regulatory"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="596" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl6-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tory" WIDTH="42" HPOS="196" VPOS="632" ID="st6-87" SUBS_TYPE="HypPart2" SUBS_CONTENT="regulatory"/><SP/><String HEIGHT="24" CONTENT="regimes" WIDTH="83" HPOS="247" VPOS="632" ID="st6-88"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="340" VPOS="632" ID="st6-89"/><SP/><String HEIGHT="24" CONTENT="most" WIDTH="53" HPOS="392" VPOS="632" ID="st6-90"/><SP/><String HEIGHT="24" CONTENT="closely" WIDTH="70" HPOS="454" VPOS="632" ID="st6-91"/><SP/><String HEIGHT="24" CONTENT="complied" WIDTH="97" HPOS="533" VPOS="632" ID="st6-92"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="640" VPOS="632" ID="st6-93"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="696" VPOS="632" ID="st6-94"/><SP/><String HEIGHT="24" CONTENT="Basel" WIDTH="54" HPOS="741" VPOS="632" ID="st6-95"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl6-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Core" WIDTH="51" HPOS="196" VPOS="668" ID="st6-96"/><SP/><String HEIGHT="24" CONTENT="Principles" WIDTH="95" HPOS="258" VPOS="668" ID="st6-97"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="353" VPOS="668" ID="st6-98"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="374" VPOS="668" ID="st6-99"/><SP/><String HEIGHT="24" CONTENT="Insurance" WIDTH="102" HPOS="419" VPOS="668" ID="st6-100"/><SP/><String HEIGHT="24" CONTENT="Core" WIDTH="51" HPOS="531" VPOS="668" ID="st6-101"/><SP/><String HEIGHT="24" CONTENT="Principles" WIDTH="96" HPOS="593" VPOS="668" ID="st6-102"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="689" VPOS="668" ID="st6-103"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="709" VPOS="668" ID="st6-104"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="668" ID="st6-105"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl6-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="International" WIDTH="137" HPOS="196" VPOS="704" ID="st6-106"/><SP/><String HEIGHT="24" CONTENT="Organization" WIDTH="138" HPOS="348" VPOS="704" ID="st6-107"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="501" VPOS="704" ID="st6-108"/><SP/><String HEIGHT="24" CONTENT="Securities" WIDTH="101" HPOS="538" VPOS="704" ID="st6-109"/><SP/><String HEIGHT="24" CONTENT="Commissions" WIDTH="142" HPOS="653" VPOS="704" ID="st6-110"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl6-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Principles" WIDTH="99" HPOS="196" VPOS="740" ID="st6-111"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="301" VPOS="740" ID="st6-112"/><SP/><String HEIGHT="24" CONTENT="experienced" WIDTH="128" HPOS="356" VPOS="740" ID="st6-113"/><SP/><String HEIGHT="24" CONTENT="little" WIDTH="45" HPOS="490" VPOS="740" ID="st6-114"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="541" VPOS="740" ID="st6-115"/><SP/><String HEIGHT="24" CONTENT="no" WIDTH="28" HPOS="569" VPOS="740" ID="st6-116"/><SP/><String HEIGHT="24" CONTENT="trade" WIDTH="52" HPOS="602" VPOS="740" ID="st6-117"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="654" VPOS="740" ID="st6-118"/><String HEIGHT="24" CONTENT="off" WIDTH="32" HPOS="664" VPOS="740" ID="st6-119"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="93" HPOS="702" VPOS="740" ID="st6-120"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl6-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="90" HPOS="196" VPOS="776" ID="st6-121"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="77" HPOS="297" VPOS="776" ID="st6-122"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="386" VPOS="776" ID="st6-123"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="77" HPOS="437" VPOS="776" ID="st6-124"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="514" VPOS="776" ID="st6-125"/><SP/><String HEIGHT="24" CONTENT="Broadly" WIDTH="79" HPOS="534" VPOS="776" ID="st6-126"/><SP/><String HEIGHT="24" CONTENT="speaking" WIDTH="90" HPOS="624" VPOS="776" ID="st6-127"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="714" VPOS="776" ID="st6-128"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="58" HPOS="737" VPOS="776" ID="st6-129"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl6-14" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="principles" WIDTH="100" HPOS="196" VPOS="813" ID="st6-130"/><SP/><String HEIGHT="23" CONTENT="capture" WIDTH="80" HPOS="303" VPOS="813" ID="st6-131"/><String HEIGHT="23" CONTENT="»" WIDTH="10" HPOS="389" VPOS="813" ID="st6-132"/><String HEIGHT="23" CONTENT="(" WIDTH="11" HPOS="399" VPOS="813" ID="st6-133"/><String HEIGHT="23" CONTENT="1" WIDTH="10" HPOS="410" VPOS="813" ID="st6-134"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="420" VPOS="813" ID="st6-135"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="437" VPOS="813" ID="st6-136"/><SP/><String HEIGHT="23" CONTENT="ability" WIDTH="63" HPOS="478" VPOS="813" ID="st6-137"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="547" VPOS="813" ID="st6-138"/><SP/><String HEIGHT="23" CONTENT="regulators" WIDTH="106" HPOS="576" VPOS="813" ID="st6-139"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="689" VPOS="813" ID="st6-140"/><SP/><String HEIGHT="23" CONTENT="set" WIDTH="31" HPOS="717" VPOS="813" ID="st6-141"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="754" VPOS="813" ID="st6-142"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl6-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="demand" WIDTH="88" HPOS="196" VPOS="849" ID="st6-143"/><SP/><String HEIGHT="23" CONTENT="adjustments" WIDTH="130" HPOS="294" VPOS="849" ID="st6-144"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="434" VPOS="849" ID="st6-145"/><SP/><String HEIGHT="23" CONTENT="capital" WIDTH="66" HPOS="467" VPOS="849" ID="st6-146"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="533" VPOS="849" ID="st6-147"/><SP/><String HEIGHT="23" CONTENT="loan" WIDTH="46" HPOS="553" VPOS="849" ID="st6-148"/><SP/><String HEIGHT="23" CONTENT="loss" WIDTH="39" HPOS="610" VPOS="849" ID="st6-149"/><SP/><String HEIGHT="23" CONTENT="provisioning" WIDTH="125" HPOS="659" VPOS="849" ID="st6-150"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="784" VPOS="849" ID="st6-151"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl6-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="885" ID="st6-152"/><SP/><String HEIGHT="24" CONTENT="employee" WIDTH="102" HPOS="246" VPOS="885" ID="st6-153"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="144" HPOS="357" VPOS="885" ID="st6-154"/><String HEIGHT="24" CONTENT=";" WIDTH="13" HPOS="501" VPOS="885" ID="st6-155"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="523" VPOS="885" ID="st6-156"/><String HEIGHT="24" CONTENT="2" WIDTH="9" HPOS="532" VPOS="885" ID="st6-157"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="541" VPOS="885" ID="st6-158"/><SP/><String HEIGHT="24" CONTENT="regulatory" WIDTH="108" HPOS="560" VPOS="885" ID="st6-159"/><SP/><String HEIGHT="24" CONTENT="definitions" WIDTH="108" HPOS="677" VPOS="885" ID="st6-160"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="785" VPOS="885" ID="st6-161"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl6-17" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="such" WIDTH="49" HPOS="196" VPOS="921" ID="st6-162"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="253" VPOS="921" ID="st6-163"/><SP/><String HEIGHT="24" CONTENT="definitions" WIDTH="111" HPOS="283" VPOS="921" ID="st6-164"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="401" VPOS="921" ID="st6-165"/><SP/><String HEIGHT="24" CONTENT="capital" WIDTH="67" HPOS="431" VPOS="921" ID="st6-166"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="498" VPOS="921" ID="st6-167"/><SP/><String HEIGHT="24" CONTENT="nonperforming" WIDTH="162" HPOS="515" VPOS="921" ID="st6-168"/><SP/><String HEIGHT="24" CONTENT="loans" WIDTH="52" HPOS="684" VPOS="921" ID="st6-169"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="736" VPOS="921" ID="st6-170"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="755" VPOS="921" ID="st6-171"/></TextLine><TextLine HPOS="196" VPOS="957" ID="tl6-18" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="loan" WIDTH="46" HPOS="196" VPOS="957" ID="st6-172"/><SP/><String HEIGHT="24" CONTENT="losses" WIDTH="58" HPOS="251" VPOS="957" ID="st6-173"/><String HEIGHT="24" CONTENT=";" WIDTH="10" HPOS="309" VPOS="957" ID="st6-174"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="328" VPOS="957" ID="st6-175"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="377" VPOS="957" ID="st6-176"/><String HEIGHT="24" CONTENT="3" WIDTH="9" HPOS="386" VPOS="957" ID="st6-177"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="395" VPOS="957" ID="st6-178"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="414" VPOS="957" ID="st6-179"/><SP/><String HEIGHT="24" CONTENT="reporting" WIDTH="99" HPOS="511" VPOS="957" ID="st6-180"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="618" VPOS="957" ID="st6-181"/><SP/><String HEIGHT="24" CONTENT="disclosures" WIDTH="117" HPOS="667" VPOS="957" ID="st6-182"/><String HEIGHT="24" CONTENT="«" WIDTH="11" HPOS="784" VPOS="957" ID="st6-183"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl6-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="196" VPOS="993" ID="st6-184"/><String HEIGHT="24" CONTENT="Sahay" WIDTH="58" HPOS="207" VPOS="993" ID="st6-185"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="271" VPOS="993" ID="st6-186"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="297" VPOS="993" ID="st6-187"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="313" VPOS="993" ID="st6-188"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="321" VPOS="993" ID="st6-189"/><SP/><String HEIGHT="24" CONTENT="2015" WIDTH="46" HPOS="334" VPOS="993" ID="st6-190"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="380" VPOS="993" ID="st6-191"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="391" VPOS="993" ID="st6-192"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="408" VPOS="993" ID="st6-193"/><SP/><String HEIGHT="24" CONTENT="challenge" WIDTH="101" HPOS="452" VPOS="993" ID="st6-194"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="83" HPOS="559" VPOS="993" ID="st6-195"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="642" VPOS="993" ID="st6-196"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="660" VPOS="993" ID="st6-197"/><SP/><String HEIGHT="24" CONTENT="how" WIDTH="47" HPOS="680" VPOS="993" ID="st6-198"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="733" VPOS="993" ID="st6-199"/><SP/><String HEIGHT="24" CONTENT="get" WIDTH="35" HPOS="760" VPOS="993" ID="st6-200"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl6-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="196" VPOS="1029" ID="st6-201"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="257" VPOS="1029" ID="st6-202"/><SP/><String HEIGHT="24" CONTENT="political" WIDTH="82" HPOS="279" VPOS="1029" ID="st6-203"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="97" HPOS="370" VPOS="1029" ID="st6-204"/><SP/><String HEIGHT="24" CONTENT="regime" WIDTH="73" HPOS="477" VPOS="1029" ID="st6-205"/><SP/><String HEIGHT="24" CONTENT="where" WIDTH="67" HPOS="559" VPOS="1029" ID="st6-206"/><SP/><String HEIGHT="24" CONTENT="financialization" WIDTH="160" HPOS="635" VPOS="1029" ID="st6-207"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl6-21" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="196" VPOS="1065" ID="st6-208"/><SP/><String HEIGHT="24" CONTENT="undermined" WIDTH="129" HPOS="242" VPOS="1065" ID="st6-209"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="380" VPOS="1065" ID="st6-210"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="424" VPOS="1065" ID="st6-211"/><String HEIGHT="24" CONTENT="enabling" WIDTH="94" HPOS="435" VPOS="1065" ID="st6-212"/><SP/><String HEIGHT="24" CONTENT="environment" WIDTH="135" HPOS="539" VPOS="1065" ID="st6-213"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="674" VPOS="1065" ID="st6-214"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="696" VPOS="1065" ID="st6-215"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="727" VPOS="1065" ID="st6-216"/><SP/><String HEIGHT="24" CONTENT="new" WIDTH="46" HPOS="749" VPOS="1065" ID="st6-217"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl6-22" WIDTH="306" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1101" ID="st6-218"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="244" VPOS="1101" ID="st6-219"/><SP/><String HEIGHT="24" CONTENT="stable" WIDTH="62" HPOS="306" VPOS="1101" ID="st6-220"/><SP/><String HEIGHT="24" CONTENT="equilibrium" WIDTH="116" HPOS="375" VPOS="1101" ID="st6-221"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="491" VPOS="1101" ID="st6-222"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl6-23" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="Instead" WIDTH="73" HPOS="196" VPOS="1174" ID="st6-223"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="269" VPOS="1174" ID="st6-224"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="293" VPOS="1174" ID="st6-225"/><SP/><String HEIGHT="23" CONTENT="current" WIDTH="77" HPOS="341" VPOS="1174" ID="st6-226"/><SP/><String HEIGHT="23" CONTENT="trajectory" WIDTH="101" HPOS="430" VPOS="1174" ID="st6-227"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="544" VPOS="1174" ID="st6-228"/><SP/><String HEIGHT="23" CONTENT="deregulation" WIDTH="136" HPOS="579" VPOS="1174" ID="st6-229"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="728" VPOS="1174" ID="st6-230"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1174" ID="st6-231"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl6-24" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="196" VPOS="1210" ID="st6-232"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="206" VPOS="1210" ID="st6-233"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="217" VPOS="1210" ID="st6-234"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="228" VPOS="1210" ID="st6-235"/><SP/><String HEIGHT="24" CONTENT="undermines" WIDTH="125" HPOS="250" VPOS="1210" ID="st6-236"/><SP/><String HEIGHT="24" CONTENT="each" WIDTH="50" HPOS="385" VPOS="1210" ID="st6-237"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="445" VPOS="1210" ID="st6-238"/><SP/><String HEIGHT="24" CONTENT="those" WIDTH="58" HPOS="478" VPOS="1210" ID="st6-239"/><SP/><String HEIGHT="24" CONTENT="three" WIDTH="55" HPOS="546" VPOS="1210" ID="st6-240"/><SP/><String HEIGHT="24" CONTENT="broad" WIDTH="62" HPOS="611" VPOS="1210" ID="st6-241"/><SP/><String HEIGHT="24" CONTENT="objectives" WIDTH="100" HPOS="684" VPOS="1210" ID="st6-242"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="1210" ID="st6-243"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl6-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Legislation" WIDTH="113" HPOS="196" VPOS="1246" ID="st6-244"/><SP/><String HEIGHT="24" CONTENT="passed" WIDTH="73" HPOS="315" VPOS="1246" ID="st6-245"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="394" VPOS="1246" ID="st6-246"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="420" VPOS="1246" ID="st6-247"/><SP/><String HEIGHT="24" CONTENT="aftermath" WIDTH="105" HPOS="462" VPOS="1246" ID="st6-248"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="574" VPOS="1246" ID="st6-249"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="602" VPOS="1246" ID="st6-250"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="55" HPOS="644" VPOS="1246" ID="st6-251"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="706" VPOS="1246" ID="st6-252"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl6-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="crisis" WIDTH="51" HPOS="196" VPOS="1282" ID="st6-253"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="258" VPOS="1282" ID="st6-254"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="306" VPOS="1282" ID="st6-255"/><SP/><String HEIGHT="24" CONTENT="altered" WIDTH="74" HPOS="370" VPOS="1282" ID="st6-256"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="455" VPOS="1282" ID="st6-257"/><SP/><String HEIGHT="24" CONTENT="minimize" WIDTH="96" HPOS="489" VPOS="1282" ID="st6-258"/><SP/><String HEIGHT="24" CONTENT="disclosure" WIDTH="105" HPOS="596" VPOS="1282" ID="st6-259"/><SP/><String HEIGHT="24" CONTENT="require" WIDTH="73" HPOS="712" VPOS="1282" ID="st6-260" SUBS_TYPE="HypPart1" SUBS_CONTENT="requirements"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1282" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl6-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ments" WIDTH="60" HPOS="196" VPOS="1318" ID="st6-261" SUBS_TYPE="HypPart2" SUBS_CONTENT="requirements"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="256" VPOS="1318" ID="st6-262"/><SP/><String HEIGHT="24" CONTENT="limit" WIDTH="46" HPOS="281" VPOS="1318" ID="st6-263"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="338" VPOS="1318" ID="st6-264"/><SP/><String HEIGHT="24" CONTENT="purview" WIDTH="85" HPOS="385" VPOS="1318" ID="st6-265"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="481" VPOS="1318" ID="st6-266"/><SP/><String HEIGHT="24" CONTENT="enforcement" WIDTH="137" HPOS="533" VPOS="1318" ID="st6-267"/><SP/><String HEIGHT="24" CONTENT="abilities" WIDTH="80" HPOS="681" VPOS="1318" ID="st6-268"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1318" ID="st6-269"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl6-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="regulators" WIDTH="103" HPOS="196" VPOS="1354" ID="st6-270"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="299" VPOS="1354" ID="st6-271"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="318" VPOS="1354" ID="st6-272"/><SP/><String HEIGHT="24" CONTENT="diminish" WIDTH="89" HPOS="367" VPOS="1354" ID="st6-273"/><SP/><String HEIGHT="24" CONTENT="bargaining" WIDTH="114" HPOS="464" VPOS="1354" ID="st6-274"/><SP/><String HEIGHT="24" CONTENT="power" WIDTH="68" HPOS="586" VPOS="1354" ID="st6-275"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="663" VPOS="1354" ID="st6-276"/><SP/><String HEIGHT="24" CONTENT="negotiate" WIDTH="102" HPOS="693" VPOS="1354" ID="st6-277"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl6-29" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="196" VPOS="1390" ID="st6-278"/><SP/><String HEIGHT="24" CONTENT="employee" WIDTH="103" HPOS="256" VPOS="1390" ID="st6-279"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="145" HPOS="373" VPOS="1390" ID="st6-280"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="518" VPOS="1390" ID="st6-281"/><SP/><String HEIGHT="24" CONTENT="Furthermore" WIDTH="128" HPOS="544" VPOS="1390" ID="st6-282"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="672" VPOS="1390" ID="st6-283"/><SP/><String HEIGHT="24" CONTENT="actors" WIDTH="65" HPOS="697" VPOS="1390" ID="st6-284"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1390" ID="st6-285"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl6-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1426" ID="st6-286"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="241" VPOS="1426" ID="st6-287"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="340" VPOS="1426" ID="st6-288"/><SP/><String HEIGHT="24" CONTENT="typically" WIDTH="85" HPOS="414" VPOS="1426" ID="st6-289"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="509" VPOS="1426" ID="st6-290"/><SP/><String HEIGHT="24" CONTENT="able" WIDTH="45" HPOS="552" VPOS="1426" ID="st6-291"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="607" VPOS="1426" ID="st6-292"/><SP/><String HEIGHT="24" CONTENT="innovate" WIDTH="89" HPOS="639" VPOS="1426" ID="st6-293"/><String HEIGHT="24" CONTENT="—" WIDTH="11" HPOS="728" VPOS="1426" ID="st6-294"/><String HEIGHT="24" CONTENT="i" WIDTH="11" HPOS="739" VPOS="1426" ID="st6-295"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="750" VPOS="1426" ID="st6-296"/><String HEIGHT="24" CONTENT="e" WIDTH="11" HPOS="761" VPOS="1426" ID="st6-297"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="772" VPOS="1426" ID="st6-298"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="783" VPOS="1426" ID="st6-299"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl6-31" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="exploit" WIDTH="71" HPOS="196" VPOS="1463" ID="st6-300"/><SP/><String HEIGHT="23" CONTENT="opportunities" WIDTH="141" HPOS="275" VPOS="1463" ID="st6-301"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="424" VPOS="1463" ID="st6-302"/><SP/><String HEIGHT="23" CONTENT="regulatory" WIDTH="108" HPOS="462" VPOS="1463" ID="st6-303"/><SP/><String HEIGHT="23" CONTENT="arbitrage" WIDTH="103" HPOS="578" VPOS="1463" ID="st6-304"/><String HEIGHT="23" CONTENT="—" WIDTH="12" HPOS="681" VPOS="1463" ID="st6-305"/><String HEIGHT="23" CONTENT="far" WIDTH="35" HPOS="693" VPOS="1463" ID="st6-306"/><SP/><String HEIGHT="23" CONTENT="faster" WIDTH="60" HPOS="735" VPOS="1463" ID="st6-307"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl6-32" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="than" WIDTH="49" HPOS="196" VPOS="1499" ID="st6-308"/><SP/><String HEIGHT="23" CONTENT="regulators" WIDTH="107" HPOS="253" VPOS="1499" ID="st6-309"/><SP/><String HEIGHT="23" CONTENT="can" WIDTH="37" HPOS="369" VPOS="1499" ID="st6-310"/><SP/><String HEIGHT="23" CONTENT="regulate" WIDTH="83" HPOS="415" VPOS="1499" ID="st6-311"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="498" VPOS="1499" ID="st6-312"/><SP/><String HEIGHT="23" CONTENT="thus" WIDTH="46" HPOS="517" VPOS="1499" ID="st6-313"/><SP/><String HEIGHT="23" CONTENT="broadly" WIDTH="79" HPOS="571" VPOS="1499" ID="st6-314"/><SP/><String HEIGHT="23" CONTENT="undermining" WIDTH="136" HPOS="659" VPOS="1499" ID="st6-315"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl6-33" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1535" ID="st6-316"/><SP/><String HEIGHT="24" CONTENT="efficacy" WIDTH="80" HPOS="240" VPOS="1535" ID="st6-317"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="329" VPOS="1535" ID="st6-318"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="360" VPOS="1535" ID="st6-319"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="108" HPOS="458" VPOS="1535" ID="st6-320"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="575" VPOS="1535" ID="st6-321"/><String HEIGHT="24" CONTENT="Johnson" WIDTH="84" HPOS="586" VPOS="1535" ID="st6-322"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="679" VPOS="1535" ID="st6-323"/><SP/><String HEIGHT="24" CONTENT="Kwak" WIDTH="53" HPOS="728" VPOS="1535" ID="st6-324"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="781" VPOS="1535" ID="st6-325"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl6-34" WIDTH="70" HEIGHT="24"><String HEIGHT="24" CONTENT="2010" WIDTH="46" HPOS="196" VPOS="1571" ID="st6-326"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="242" VPOS="1571" ID="st6-327"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="254" VPOS="1571" ID="st6-328"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl6-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="40" HPOS="196" VPOS="1643" ID="st6-329"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="87" HPOS="252" VPOS="1643" ID="st6-330"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="65" HPOS="355" VPOS="1643" ID="st6-331"/><SP/><String HEIGHT="24" CONTENT="helps" WIDTH="56" HPOS="436" VPOS="1643" ID="st6-332"/><SP/><String HEIGHT="24" CONTENT="accelerate" WIDTH="109" HPOS="508" VPOS="1643" ID="st6-333"/><SP/><String HEIGHT="24" CONTENT="financialization" WIDTH="162" HPOS="633" VPOS="1643" ID="st6-334"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl6-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="through" WIDTH="87" HPOS="196" VPOS="1679" ID="st6-335"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="298" VPOS="1679" ID="st6-336"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="336" VPOS="1679" ID="st6-337"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="391" VPOS="1679" ID="st6-338"/><SP/><String HEIGHT="24" CONTENT="financing" WIDTH="95" HPOS="426" VPOS="1679" ID="st6-339"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="521" VPOS="1679" ID="st6-340"/><SP/><String HEIGHT="24" CONTENT="underwriting" WIDTH="134" HPOS="547" VPOS="1679" ID="st6-341"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="681" VPOS="1679" ID="st6-342"/><SP/><String HEIGHT="24" CONTENT="lending" WIDTH="76" HPOS="708" VPOS="1679" ID="st6-343"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="1679" ID="st6-344"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl6-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1715" ID="st6-345"/><SP/><String HEIGHT="24" CONTENT="securitizing" WIDTH="120" HPOS="248" VPOS="1715" ID="st6-346"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="379" VPOS="1715" ID="st6-347"/><SP/><String HEIGHT="24" CONTENT="larger" WIDTH="61" HPOS="403" VPOS="1715" ID="st6-348"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="475" VPOS="1715" ID="st6-349"/><SP/><String HEIGHT="24" CONTENT="larger" WIDTH="61" HPOS="527" VPOS="1715" ID="st6-350"/><SP/><String HEIGHT="24" CONTENT="range" WIDTH="61" HPOS="600" VPOS="1715" ID="st6-351"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="672" VPOS="1715" ID="st6-352"/><SP/><String HEIGHT="24" CONTENT="business" WIDTH="89" HPOS="706" VPOS="1715" ID="st6-353"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl6-38" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="transactions" WIDTH="124" HPOS="196" VPOS="1751" ID="st6-354"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="320" VPOS="1751" ID="st6-355"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="341" VPOS="1751" ID="st6-356"/><SP/><String HEIGHT="24" CONTENT="trends" WIDTH="66" HPOS="412" VPOS="1751" ID="st6-357"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="32" HPOS="489" VPOS="1751" ID="st6-358"/><SP/><String HEIGHT="24" CONTENT="connected" WIDTH="112" HPOS="531" VPOS="1751" ID="st6-359"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="653" VPOS="1751" ID="st6-360"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="710" VPOS="1751" ID="st6-361"/><SP/><String HEIGHT="24" CONTENT="fact" WIDTH="40" HPOS="755" VPOS="1751" ID="st6-362"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl6-39" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="196" VPOS="1788" ID="st6-363"/><SP/><String HEIGHT="23" CONTENT="investment" WIDTH="117" HPOS="247" VPOS="1788" ID="st6-364"/><SP/><String HEIGHT="23" CONTENT="banking" WIDTH="86" HPOS="372" VPOS="1788" ID="st6-365"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="466" VPOS="1788" ID="st6-366"/><SP/><String HEIGHT="23" CONTENT="particular" WIDTH="100" HPOS="493" VPOS="1788" ID="st6-367"/><SP/><String HEIGHT="23" CONTENT="tends" WIDTH="58" HPOS="601" VPOS="1788" ID="st6-368"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="667" VPOS="1788" ID="st6-369"/><SP/><String HEIGHT="23" CONTENT="be" WIDTH="26" HPOS="697" VPOS="1788" ID="st6-370"/><SP/><String HEIGHT="23" CONTENT="highly" WIDTH="64" HPOS="731" VPOS="1788" ID="st6-371"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl6-40" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="concentrated" WIDTH="136" HPOS="196" VPOS="1824" ID="st6-372"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="332" VPOS="1824" ID="st6-373"/><SP/><String HEIGHT="23" CONTENT="Five" WIDTH="41" HPOS="353" VPOS="1824" ID="st6-374"/><SP/><String HEIGHT="23" CONTENT="U" WIDTH="10" HPOS="403" VPOS="1824" ID="st6-375"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="413" VPOS="1824" ID="st6-376"/><String HEIGHT="23" CONTENT="S" WIDTH="11" HPOS="424" VPOS="1824" ID="st6-377"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="435" VPOS="1824" ID="st6-378"/><SP/><String HEIGHT="23" CONTENT="banks" WIDTH="57" HPOS="456" VPOS="1824" ID="st6-379"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="513" VPOS="1824" ID="st6-380"/><SP/><String HEIGHT="23" CONTENT="JP" WIDTH="21" HPOS="535" VPOS="1824" ID="st6-381"/><SP/><String HEIGHT="23" CONTENT="Morgan" WIDTH="84" HPOS="566" VPOS="1824" ID="st6-382"/><SP/><String HEIGHT="23" CONTENT="Chase" WIDTH="60" HPOS="660" VPOS="1824" ID="st6-383"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="720" VPOS="1824" ID="st6-384"/><SP/><String HEIGHT="23" CONTENT="Bank" WIDTH="53" HPOS="742" VPOS="1824" ID="st6-385"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl6-41" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="196" VPOS="1860" ID="st6-386"/><SP/><String HEIGHT="24" CONTENT="America" WIDTH="83" HPOS="232" VPOS="1860" ID="st6-387"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="315" VPOS="1860" ID="st6-388"/><SP/><String HEIGHT="24" CONTENT="Citigroup" WIDTH="96" HPOS="341" VPOS="1860" ID="st6-389"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="437" VPOS="1860" ID="st6-390"/><SP/><String HEIGHT="24" CONTENT="Goldman" WIDTH="99" HPOS="462" VPOS="1860" ID="st6-391"/><SP/><String HEIGHT="24" CONTENT="Sachs" WIDTH="55" HPOS="575" VPOS="1860" ID="st6-392"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="630" VPOS="1860" ID="st6-393"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="655" VPOS="1860" ID="st6-394"/><SP/><String HEIGHT="24" CONTENT="Morgan" WIDTH="86" HPOS="709" VPOS="1860" ID="st6-395"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl6-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Stanley" WIDTH="70" HPOS="196" VPOS="1896" ID="st6-396"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="266" VPOS="1896" ID="st6-397"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="287" VPOS="1896" ID="st6-398"/><SP/><String HEIGHT="24" CONTENT="estimated" WIDTH="104" HPOS="330" VPOS="1896" ID="st6-399"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="444" VPOS="1896" ID="st6-400"/><SP/><String HEIGHT="24" CONTENT="control" WIDTH="75" HPOS="476" VPOS="1896" ID="st6-401"/><SP/><String HEIGHT="24" CONTENT="nearly" WIDTH="64" HPOS="561" VPOS="1896" ID="st6-402"/><SP/><String HEIGHT="24" CONTENT="70" WIDTH="28" HPOS="634" VPOS="1896" ID="st6-403"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="672" VPOS="1896" ID="st6-404"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="717" VPOS="1896" ID="st6-405"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1896" ID="st6-406"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl6-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1932" ID="st6-407"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="65" HPOS="238" VPOS="1932" ID="st6-408"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="310" VPOS="1932" ID="st6-409"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="392" VPOS="1932" ID="st6-410"/><String HEIGHT="24" CONTENT="IBISWorld" WIDTH="99" HPOS="403" VPOS="1932" ID="st6-411"/><SP/><String HEIGHT="24" CONTENT="Global" WIDTH="69" HPOS="509" VPOS="1932" ID="st6-412"/><SP/><String HEIGHT="24" CONTENT="Investment" WIDTH="117" HPOS="585" VPOS="1932" ID="st6-413"/><SP/><String HEIGHT="24" CONTENT="Banking" WIDTH="86" HPOS="709" VPOS="1932" ID="st6-414"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl6-44" WIDTH="215" HEIGHT="24"><String HEIGHT="24" CONTENT="&amp;" WIDTH="17" HPOS="196" VPOS="1968" ID="st6-415"/><SP/><String HEIGHT="24" CONTENT="Brokerage" WIDTH="103" HPOS="220" VPOS="1968" ID="st6-416"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="323" VPOS="1968" ID="st6-417"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="342" VPOS="1968" ID="st6-418"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="388" VPOS="1968" ID="st6-419"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="399" VPOS="1968" ID="st6-420"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl6-45" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="As" WIDTH="26" HPOS="858" VPOS="307" ID="st6-421"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="889" VPOS="307" ID="st6-422"/><SP/><String HEIGHT="24" CONTENT="whole" WIDTH="60" HPOS="907" VPOS="307" ID="st6-423"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="967" VPOS="307" ID="st6-424"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="984" VPOS="307" ID="st6-425"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="1024" VPOS="307" ID="st6-426"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="1115" VPOS="307" ID="st6-427"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1184" VPOS="307" ID="st6-428"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="1204" VPOS="307" ID="st6-429"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1251" VPOS="307" ID="st6-430"/><SP/><String HEIGHT="24" CONTENT="highly" WIDTH="63" HPOS="1272" VPOS="307" ID="st6-431"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="90" HPOS="1340" VPOS="307" ID="st6-432"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1435" VPOS="307" ID="st6-433"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl6-46" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="broadly" WIDTH="78" HPOS="858" VPOS="343" ID="st6-434"/><SP/><String HEIGHT="24" CONTENT="using" WIDTH="57" HPOS="942" VPOS="343" ID="st6-435"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1005" VPOS="343" ID="st6-436"/><SP/><String HEIGHT="24" CONTENT="strength" WIDTH="88" HPOS="1035" VPOS="343" ID="st6-437"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1129" VPOS="343" ID="st6-438"/><SP/><String HEIGHT="24" CONTENT="preserve" WIDTH="89" HPOS="1157" VPOS="343" ID="st6-439"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1251" VPOS="343" ID="st6-440"/><SP/><String HEIGHT="24" CONTENT="privilege" WIDTH="86" HPOS="1281" VPOS="343" ID="st6-441"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1367" VPOS="343" ID="st6-442"/><SP/><String HEIGHT="24" CONTENT="further" WIDTH="73" HPOS="1383" VPOS="343" ID="st6-443"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl6-47" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="confounding" WIDTH="136" HPOS="858" VPOS="379" ID="st6-444"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1001" VPOS="379" ID="st6-445"/><SP/><String HEIGHT="24" CONTENT="challenge" WIDTH="102" HPOS="1042" VPOS="379" ID="st6-446"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1151" VPOS="379" ID="st6-447"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="89" HPOS="1180" VPOS="379" ID="st6-448"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="108" HPOS="1276" VPOS="379" ID="st6-449"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1391" VPOS="379" ID="st6-450"/><String HEIGHT="24" CONTENT="Aber" WIDTH="44" HPOS="1401" VPOS="379" ID="st6-451" SUBS_TYPE="HypPart1" SUBS_CONTENT="Abernathy"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="379" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl6-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="nathy" WIDTH="53" HPOS="858" VPOS="415" ID="st6-452" SUBS_TYPE="HypPart2" SUBS_CONTENT="Abernathy"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="911" VPOS="415" ID="st6-453"/><SP/><String HEIGHT="24" CONTENT="Konzcal" WIDTH="84" HPOS="928" VPOS="415" ID="st6-454"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1018" VPOS="415" ID="st6-455"/><SP/><String HEIGHT="24" CONTENT="Milani" WIDTH="61" HPOS="1064" VPOS="415" ID="st6-456"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1125" VPOS="415" ID="st6-457"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="49" HPOS="1143" VPOS="415" ID="st6-458"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1192" VPOS="415" ID="st6-459"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1211" VPOS="415" ID="st6-460"/><SP/><String HEIGHT="24" CONTENT="Bapuji" WIDTH="61" HPOS="1258" VPOS="415" ID="st6-461"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1319" VPOS="415" ID="st6-462"/><SP/><String HEIGHT="24" CONTENT="Husted" WIDTH="70" HPOS="1336" VPOS="415" ID="st6-463"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1406" VPOS="415" ID="st6-464"/><SP/><String HEIGHT="24" CONTENT="Lu" WIDTH="21" HPOS="1424" VPOS="415" ID="st6-465"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="415" ID="st6-466"/></TextLine><TextLine HPOS="858" VPOS="451" ID="tl6-49" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="451" ID="st6-467"/><SP/><String HEIGHT="24" CONTENT="Mir" WIDTH="30" HPOS="907" VPOS="451" ID="st6-468"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="937" VPOS="451" ID="st6-469"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="957" VPOS="451" ID="st6-470"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1003" VPOS="451" ID="st6-471"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1015" VPOS="451" ID="st6-472"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1036" VPOS="451" ID="st6-473"/><SP/><String HEIGHT="24" CONTENT="following" WIDTH="100" HPOS="1084" VPOS="451" ID="st6-474"/><SP/><String HEIGHT="24" CONTENT="section" WIDTH="75" HPOS="1194" VPOS="451" ID="st6-475"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="1278" VPOS="451" ID="st6-476"/><SP/><String HEIGHT="24" CONTENT="consider" WIDTH="89" HPOS="1323" VPOS="451" ID="st6-477"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="451" ID="st6-478"/></TextLine><TextLine HPOS="858" VPOS="488" ID="tl6-50" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="significance" WIDTH="123" HPOS="858" VPOS="488" ID="st6-479"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="988" VPOS="488" ID="st6-480"/><SP/><String HEIGHT="23" CONTENT="banks" WIDTH="63" HPOS="1017" VPOS="488" ID="st6-481"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1087" VPOS="488" ID="st6-482"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1113" VPOS="488" ID="st6-483"/><SP/><String HEIGHT="23" CONTENT="U" WIDTH="10" HPOS="1155" VPOS="488" ID="st6-484"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="1165" VPOS="488" ID="st6-485"/><String HEIGHT="23" CONTENT="S" WIDTH="10" HPOS="1175" VPOS="488" ID="st6-486"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="1185" VPOS="488" ID="st6-487"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1195" VPOS="488" ID="st6-488"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="48" HPOS="1212" VPOS="488" ID="st6-489"/><SP/><String HEIGHT="23" CONTENT="consolidation" WIDTH="142" HPOS="1267" VPOS="488" ID="st6-490"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="488" ID="st6-491"/></TextLine><TextLine HPOS="858" VPOS="524" ID="tl6-51" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="role" WIDTH="40" HPOS="858" VPOS="524" ID="st6-492"/><SP/><String HEIGHT="23" CONTENT="perpetuating" WIDTH="138" HPOS="905" VPOS="524" ID="st6-493"/><SP/><String HEIGHT="23" CONTENT="some" WIDTH="57" HPOS="1050" VPOS="524" ID="st6-494"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1115" VPOS="524" ID="st6-495"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1145" VPOS="524" ID="st6-496"/><SP/><String HEIGHT="23" CONTENT="more" WIDTH="55" HPOS="1187" VPOS="524" ID="st6-497"/><SP/><String HEIGHT="23" CONTENT="destructive" WIDTH="115" HPOS="1250" VPOS="524" ID="st6-498"/><SP/><String HEIGHT="23" CONTENT="tenden" WIDTH="72" HPOS="1373" VPOS="524" ID="st6-499" SUBS_TYPE="HypPart1" SUBS_CONTENT="tendencies"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="524" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl6-52" WIDTH="383" HEIGHT="24"><String HEIGHT="24" CONTENT="cies" WIDTH="39" HPOS="858" VPOS="560" ID="st6-500" SUBS_TYPE="HypPart2" SUBS_CONTENT="tendencies"/><SP/><String HEIGHT="24" CONTENT="associated" WIDTH="109" HPOS="904" VPOS="560" ID="st6-501"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1020" VPOS="560" ID="st6-502"/><SP/><String HEIGHT="24" CONTENT="financialization" WIDTH="157" HPOS="1074" VPOS="560" ID="st6-503"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1231" VPOS="560" ID="st6-504"/></TextLine><TextLine HPOS="858" VPOS="660" ID="tl6-53" WIDTH="544" HEIGHT="35"><String HEIGHT="35" CONTENT="Section" WIDTH="112" HPOS="858" VPOS="660" ID="st6-505"/><SP/><String HEIGHT="35" CONTENT="2" WIDTH="15" HPOS="980" VPOS="660" ID="st6-506"/><String HEIGHT="35" CONTENT=":" WIDTH="15" HPOS="995" VPOS="660" ID="st6-507"/><SP/><String HEIGHT="35" CONTENT="The" WIDTH="56" HPOS="1020" VPOS="660" ID="st6-508"/><SP/><String HEIGHT="35" CONTENT="U" WIDTH="15" HPOS="1087" VPOS="660" ID="st6-509"/><String HEIGHT="35" CONTENT="." WIDTH="16" HPOS="1102" VPOS="660" ID="st6-510"/><String HEIGHT="35" CONTENT="S" WIDTH="15" HPOS="1118" VPOS="660" ID="st6-511"/><String HEIGHT="35" CONTENT="." WIDTH="16" HPOS="1133" VPOS="660" ID="st6-512"/><SP/><String HEIGHT="35" CONTENT="Banking" WIDTH="124" HPOS="1159" VPOS="660" ID="st6-513"/><SP/><String HEIGHT="35" CONTENT="System" WIDTH="109" HPOS="1293" VPOS="660" ID="st6-514"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl6-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="858" VPOS="740" ID="st6-515"/><SP/><String HEIGHT="24" CONTENT="largest" WIDTH="71" HPOS="909" VPOS="740" ID="st6-516"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="62" HPOS="993" VPOS="740" ID="st6-517"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1068" VPOS="740" ID="st6-518"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1100" VPOS="740" ID="st6-519"/><SP/><String HEIGHT="24" CONTENT="United" WIDTH="71" HPOS="1147" VPOS="740" ID="st6-520"/><SP/><String HEIGHT="24" CONTENT="States" WIDTH="64" HPOS="1230" VPOS="740" ID="st6-521"/><SP/><String HEIGHT="24" CONTENT="dominate" WIDTH="102" HPOS="1307" VPOS="740" ID="st6-522"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="740" ID="st6-523"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl6-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="global" WIDTH="66" HPOS="858" VPOS="776" ID="st6-524"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="89" HPOS="939" VPOS="776" ID="st6-525"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="1028" VPOS="776" ID="st6-526"/><SP/><String HEIGHT="24" CONTENT="Almost" WIDTH="76" HPOS="1056" VPOS="776" ID="st6-527"/><SP/><String HEIGHT="24" CONTENT="one" WIDTH="33" HPOS="1147" VPOS="776" ID="st6-528"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="1180" VPOS="776" ID="st6-529"/><String HEIGHT="24" CONTENT="third" WIDTH="55" HPOS="1191" VPOS="776" ID="st6-530"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1261" VPOS="776" ID="st6-531"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1298" VPOS="776" ID="st6-532"/><SP/><String HEIGHT="24" CONTENT="30" WIDTH="27" HPOS="1348" VPOS="776" ID="st6-533"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="66" HPOS="1390" VPOS="776" ID="st6-534"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl6-56" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="systemically" WIDTH="123" HPOS="858" VPOS="813" ID="st6-535"/><SP/><String HEIGHT="23" CONTENT="important" WIDTH="106" HPOS="992" VPOS="813" ID="st6-536"/><SP/><String HEIGHT="23" CONTENT="banks" WIDTH="62" HPOS="1109" VPOS="813" ID="st6-537"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="1182" VPOS="813" ID="st6-538"/><String HEIGHT="23" CONTENT="G" WIDTH="10" HPOS="1192" VPOS="813" ID="st6-539"/><String HEIGHT="23" CONTENT="-" WIDTH="10" HPOS="1202" VPOS="813" ID="st6-540"/><String HEIGHT="23" CONTENT="SIBs" WIDTH="41" HPOS="1212" VPOS="813" ID="st6-541"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="1253" VPOS="813" ID="st6-542"/><SP/><String HEIGHT="23" CONTENT="identified" WIDTH="100" HPOS="1275" VPOS="813" ID="st6-543"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="1386" VPOS="813" ID="st6-544"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="813" ID="st6-545"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl6-57" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="Financial" WIDTH="92" HPOS="858" VPOS="849" ID="st6-546"/><SP/><String HEIGHT="23" CONTENT="Security" WIDTH="84" HPOS="962" VPOS="849" ID="st6-547"/><SP/><String HEIGHT="23" CONTENT="Board" WIDTH="62" HPOS="1059" VPOS="849" ID="st6-548"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="1134" VPOS="849" ID="st6-549"/><String HEIGHT="23" CONTENT="FSB" WIDTH="30" HPOS="1144" VPOS="849" ID="st6-550"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="1174" VPOS="849" ID="st6-551"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1198" VPOS="849" ID="st6-552"/><SP/><String HEIGHT="23" CONTENT="located" WIDTH="78" HPOS="1243" VPOS="849" ID="st6-553"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1334" VPOS="849" ID="st6-554"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1366" VPOS="849" ID="st6-555"/><SP/><String HEIGHT="23" CONTENT="U" WIDTH="10" HPOS="1413" VPOS="849" ID="st6-556"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1423" VPOS="849" ID="st6-557"/><String HEIGHT="23" CONTENT="S" WIDTH="11" HPOS="1434" VPOS="849" ID="st6-558"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1445" VPOS="849" ID="st6-559"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl6-58" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="858" VPOS="885" ID="st6-560"/><String HEIGHT="24" CONTENT="Financial" WIDTH="90" HPOS="867" VPOS="885" ID="st6-561"/><SP/><String HEIGHT="24" CONTENT="Security" WIDTH="84" HPOS="971" VPOS="885" ID="st6-562"/><SP/><String HEIGHT="24" CONTENT="Board" WIDTH="57" HPOS="1069" VPOS="885" ID="st6-563"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1126" VPOS="885" ID="st6-564"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="1152" VPOS="885" ID="st6-565"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1198" VPOS="885" ID="st6-566"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1210" VPOS="885" ID="st6-567"/><SP/><String HEIGHT="24" CONTENT="Of" WIDTH="26" HPOS="1236" VPOS="885" ID="st6-568"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="53" HPOS="1276" VPOS="885" ID="st6-569"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1329" VPOS="885" ID="st6-570"/><SP/><String HEIGHT="24" CONTENT="six" WIDTH="27" HPOS="1354" VPOS="885" ID="st6-571"/><SP/><String HEIGHT="24" CONTENT="major" WIDTH="62" HPOS="1394" VPOS="885" ID="st6-572"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl6-59" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="858" VPOS="921" ID="st6-573"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="954" VPOS="921" ID="st6-574"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1014" VPOS="921" ID="st6-575"/><String HEIGHT="24" CONTENT="Wells" WIDTH="53" HPOS="1024" VPOS="921" ID="st6-576"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="55" HPOS="1085" VPOS="921" ID="st6-577"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1140" VPOS="921" ID="st6-578"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="1158" VPOS="921" ID="st6-579"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1219" VPOS="921" ID="st6-580"/><SP/><String HEIGHT="24" CONTENT="America" WIDTH="82" HPOS="1248" VPOS="921" ID="st6-581"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1330" VPOS="921" ID="st6-582"/><SP/><String HEIGHT="24" CONTENT="Citigroup" WIDTH="95" HPOS="1350" VPOS="921" ID="st6-583"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="921" ID="st6-584"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl6-60" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="JPMorgan" WIDTH="105" HPOS="858" VPOS="957" ID="st6-585"/><SP/><String HEIGHT="24" CONTENT="Chase" WIDTH="60" HPOS="972" VPOS="957" ID="st6-586"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1032" VPOS="957" ID="st6-587"/><SP/><String HEIGHT="24" CONTENT="Goldman" WIDTH="99" HPOS="1052" VPOS="957" ID="st6-588"/><SP/><String HEIGHT="24" CONTENT="Sachs" WIDTH="55" HPOS="1159" VPOS="957" ID="st6-589"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1214" VPOS="957" ID="st6-590"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1234" VPOS="957" ID="st6-591"/><SP/><String HEIGHT="24" CONTENT="Morgan" WIDTH="85" HPOS="1282" VPOS="957" ID="st6-592"/><SP/><String HEIGHT="24" CONTENT="Stanley" WIDTH="70" HPOS="1375" VPOS="957" ID="st6-593"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="957" ID="st6-594"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl6-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="858" VPOS="993" ID="st6-595"/><String HEIGHT="24" CONTENT="the" WIDTH="36" HPOS="870" VPOS="993" ID="st6-596"/><SP/><String HEIGHT="24" CONTENT="big" WIDTH="33" HPOS="914" VPOS="993" ID="st6-597"/><SP/><String HEIGHT="24" CONTENT="six" WIDTH="28" HPOS="954" VPOS="993" ID="st6-598"/><String HEIGHT="24" CONTENT="«" WIDTH="10" HPOS="982" VPOS="993" ID="st6-599"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="992" VPOS="993" ID="st6-600"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1009" VPOS="993" ID="st6-601"/><SP/><String HEIGHT="24" CONTENT="substantial" WIDTH="114" HPOS="1066" VPOS="993" ID="st6-602"/><SP/><String HEIGHT="24" CONTENT="control" WIDTH="74" HPOS="1188" VPOS="993" ID="st6-603"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1270" VPOS="993" ID="st6-604"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="1317" VPOS="993" ID="st6-605"/><SP/><String HEIGHT="24" CONTENT="share" WIDTH="56" HPOS="1400" VPOS="993" ID="st6-606"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl6-62" WIDTH="157" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="858" VPOS="1029" ID="st6-607"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="884" VPOS="1029" ID="st6-608"/><SP/><String HEIGHT="24" CONTENT="industry" WIDTH="79" HPOS="926" VPOS="1029" ID="st6-609"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1005" VPOS="1029" ID="st6-610"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl6-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="858" VPOS="1101" ID="st6-611"/><SP/><String HEIGHT="24" CONTENT="six" WIDTH="27" HPOS="931" VPOS="1101" ID="st6-612"/><SP/><String HEIGHT="24" CONTENT="companies" WIDTH="114" HPOS="970" VPOS="1101" ID="st6-613"/><SP/><String HEIGHT="24" CONTENT="collectively" WIDTH="114" HPOS="1097" VPOS="1101" ID="st6-614"/><SP/><String HEIGHT="24" CONTENT="employ" WIDTH="78" HPOS="1223" VPOS="1101" ID="st6-615"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1314" VPOS="1101" ID="st6-616"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="1381" VPOS="1101" ID="st6-617"/><SP/><String HEIGHT="24" CONTENT="1" WIDTH="14" HPOS="1442" VPOS="1101" ID="st6-618"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl6-64" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="million" WIDTH="71" HPOS="858" VPOS="1138" ID="st6-619"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="937" VPOS="1138" ID="st6-620"/><String HEIGHT="23" CONTENT="exclusive" WIDTH="90" HPOS="947" VPOS="1138" ID="st6-621"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1046" VPOS="1138" ID="st6-622"/><SP/><String HEIGHT="23" CONTENT="temporary" WIDTH="102" HPOS="1077" VPOS="1138" ID="st6-623"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1179" VPOS="1138" ID="st6-624"/><SP/><String HEIGHT="23" CONTENT="subcontracted" WIDTH="147" HPOS="1200" VPOS="1138" ID="st6-625"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1347" VPOS="1138" ID="st6-626"/><SP/><String HEIGHT="23" CONTENT="or" WIDTH="23" HPOS="1367" VPOS="1138" ID="st6-627"/><SP/><String HEIGHT="23" CONTENT="third" WIDTH="49" HPOS="1398" VPOS="1138" ID="st6-628" SUBS_TYPE="HypPart1" SUBS_CONTENT="thirdparty"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1138" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl6-65" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="party" WIDTH="54" HPOS="858" VPOS="1174" ID="st6-629" SUBS_TYPE="HypPart2" SUBS_CONTENT="thirdparty"/><SP/><String HEIGHT="23" CONTENT="contracted" WIDTH="109" HPOS="919" VPOS="1174" ID="st6-630"/><String HEIGHT="23" CONTENT=")" WIDTH="10" HPOS="1028" VPOS="1174" ID="st6-631"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="1046" VPOS="1174" ID="st6-632"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="1137" VPOS="1174" ID="st6-633"/><SP/><String HEIGHT="23" CONTENT="hold" WIDTH="48" HPOS="1184" VPOS="1174" ID="st6-634"/><SP/><String HEIGHT="23" CONTENT="more" WIDTH="55" HPOS="1238" VPOS="1174" ID="st6-635"/><SP/><String HEIGHT="23" CONTENT="than" WIDTH="48" HPOS="1300" VPOS="1174" ID="st6-636"/><SP/><String HEIGHT="23" CONTENT="10" WIDTH="28" HPOS="1355" VPOS="1174" ID="st6-637"/><SP/><String HEIGHT="23" CONTENT="trillion" WIDTH="66" HPOS="1390" VPOS="1174" ID="st6-638"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl6-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="858" VPOS="1210" ID="st6-639"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="868" VPOS="1210" ID="st6-640"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="879" VPOS="1210" ID="st6-641"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="890" VPOS="1210" ID="st6-642"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="70" HPOS="910" VPOS="1210" ID="st6-643"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="990" VPOS="1210" ID="st6-644"/><SP/><String HEIGHT="24" CONTENT="assets" WIDTH="59" HPOS="1019" VPOS="1210" ID="st6-645"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1078" VPOS="1210" ID="st6-646"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1098" VPOS="1210" ID="st6-647"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1130" VPOS="1210" ID="st6-648"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="1194" VPOS="1210" ID="st6-649"/><SP/><String HEIGHT="24" CONTENT="50" WIDTH="28" HPOS="1252" VPOS="1210" ID="st6-650"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="1290" VPOS="1210" ID="st6-651"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="1334" VPOS="1210" ID="st6-652"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1390" VPOS="1210" ID="st6-653"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1422" VPOS="1210" ID="st6-654"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl6-67" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="U" WIDTH="9" HPOS="858" VPOS="1246" ID="st6-655"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="867" VPOS="1246" ID="st6-656"/><String HEIGHT="24" CONTENT="S" WIDTH="9" HPOS="877" VPOS="1246" ID="st6-657"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="886" VPOS="1246" ID="st6-658"/><String HEIGHT="24" CONTENT="’" WIDTH="9" HPOS="896" VPOS="1246" ID="st6-659"/><String HEIGHT="24" CONTENT="s" WIDTH="10" HPOS="905" VPOS="1246" ID="st6-660"/><SP/><String HEIGHT="24" CONTENT="annual" WIDTH="72" HPOS="924" VPOS="1246" ID="st6-661"/><SP/><String HEIGHT="24" CONTENT="GDP" WIDTH="38" HPOS="1005" VPOS="1246" ID="st6-662"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="1043" VPOS="1246" ID="st6-663"/><SP/><String HEIGHT="24" CONTENT="Globally" WIDTH="80" HPOS="1065" VPOS="1246" ID="st6-664"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1145" VPOS="1246" ID="st6-665"/><SP/><String HEIGHT="24" CONTENT="there" WIDTH="55" HPOS="1165" VPOS="1246" ID="st6-666"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="1229" VPOS="1246" ID="st6-667"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1271" VPOS="1246" ID="st6-668"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="1335" VPOS="1246" ID="st6-669"/><SP/><String HEIGHT="24" CONTENT="7" WIDTH="14" HPOS="1393" VPOS="1246" ID="st6-670"/><SP/><String HEIGHT="24" CONTENT="mil" WIDTH="30" HPOS="1416" VPOS="1246" ID="st6-671" SUBS_TYPE="HypPart1" SUBS_CONTENT="million"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1246" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl6-68" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="lion" WIDTH="39" HPOS="858" VPOS="1282" ID="st6-672" SUBS_TYPE="HypPart2" SUBS_CONTENT="million"/><SP/><String HEIGHT="24" CONTENT="people" WIDTH="72" HPOS="902" VPOS="1282" ID="st6-673"/><SP/><String HEIGHT="24" CONTENT="employed" WIDTH="104" HPOS="980" VPOS="1282" ID="st6-674"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1090" VPOS="1282" ID="st6-675"/><SP/><String HEIGHT="24" CONTENT="commercial" WIDTH="122" HPOS="1115" VPOS="1282" ID="st6-676"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="81" HPOS="1242" VPOS="1282" ID="st6-677"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1323" VPOS="1282" ID="st6-678"/><SP/><String HEIGHT="24" CONTENT="suggesting" WIDTH="115" HPOS="1341" VPOS="1282" ID="st6-679"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl6-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="858" VPOS="1318" ID="st6-680"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="910" VPOS="1318" ID="st6-681"/><SP/><String HEIGHT="24" CONTENT="precedent" WIDTH="106" HPOS="955" VPOS="1318" ID="st6-682"/><SP/><String HEIGHT="24" CONTENT="set" WIDTH="31" HPOS="1071" VPOS="1318" ID="st6-683"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1111" VPOS="1318" ID="st6-684"/><SP/><String HEIGHT="24" CONTENT="leading" WIDTH="78" HPOS="1146" VPOS="1318" ID="st6-685"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="1233" VPOS="1318" ID="st6-686"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="59" HPOS="1305" VPOS="1318" ID="st6-687"/><SP/><String HEIGHT="24" CONTENT="affect" WIDTH="61" HPOS="1373" VPOS="1318" ID="st6-688"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1444" VPOS="1318" ID="st6-689"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl6-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="far" WIDTH="29" HPOS="858" VPOS="1354" ID="st6-690"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="83" HPOS="894" VPOS="1354" ID="st6-691"/><SP/><String HEIGHT="24" CONTENT="segment" WIDTH="91" HPOS="985" VPOS="1354" ID="st6-692"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1084" VPOS="1354" ID="st6-693"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1113" VPOS="1354" ID="st6-694"/><SP/><String HEIGHT="24" CONTENT="world" WIDTH="61" HPOS="1156" VPOS="1354" ID="st6-695"/><SP/><String HEIGHT="24" CONTENT="population" WIDTH="115" HPOS="1224" VPOS="1354" ID="st6-696"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1347" VPOS="1354" ID="st6-697"/><String HEIGHT="24" CONTENT="IBISWorld" WIDTH="99" HPOS="1357" VPOS="1354" ID="st6-698"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl6-71" WIDTH="356" HEIGHT="24"><String HEIGHT="24" CONTENT="Global" WIDTH="69" HPOS="858" VPOS="1390" ID="st6-699"/><SP/><String HEIGHT="24" CONTENT="Commercial" WIDTH="127" HPOS="934" VPOS="1390" ID="st6-700"/><SP/><String HEIGHT="24" CONTENT="Banks" WIDTH="58" HPOS="1068" VPOS="1390" ID="st6-701"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1126" VPOS="1390" ID="st6-702"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="1145" VPOS="1390" ID="st6-703"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1191" VPOS="1390" ID="st6-704"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1202" VPOS="1390" ID="st6-705"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl6-72" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1463" ID="st6-706"/><SP/><String HEIGHT="23" CONTENT="events" WIDTH="69" HPOS="910" VPOS="1463" ID="st6-707"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="992" VPOS="1463" ID="st6-708"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1027" VPOS="1463" ID="st6-709"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1076" VPOS="1463" ID="st6-710"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1179" VPOS="1463" ID="st6-711"/><SP/><String HEIGHT="23" CONTENT="economic" WIDTH="104" HPOS="1232" VPOS="1463" ID="st6-712"/><SP/><String HEIGHT="23" CONTENT="crisis" WIDTH="51" HPOS="1349" VPOS="1463" ID="st6-713"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1413" VPOS="1463" ID="st6-714"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl6-73" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="began" WIDTH="66" HPOS="858" VPOS="1499" ID="st6-715"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="934" VPOS="1499" ID="st6-716"/><SP/><String HEIGHT="23" CONTENT="2008" WIDTH="56" HPOS="963" VPOS="1499" ID="st6-717"/><SP/><String HEIGHT="23" CONTENT="demonstrated" WIDTH="148" HPOS="1029" VPOS="1499" ID="st6-718"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1187" VPOS="1499" ID="st6-719"/><SP/><String HEIGHT="23" CONTENT="these" WIDTH="57" HPOS="1240" VPOS="1499" ID="st6-720"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1306" VPOS="1499" ID="st6-721"/><SP/><String HEIGHT="23" CONTENT="insti" WIDTH="43" HPOS="1405" VPOS="1499" ID="st6-722" SUBS_TYPE="HypPart1" SUBS_CONTENT="institutions"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="1499" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl6-74" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tutions" WIDTH="73" HPOS="858" VPOS="1535" ID="st6-723" SUBS_TYPE="HypPart2" SUBS_CONTENT="institutions"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="941" VPOS="1535" ID="st6-724"/><SP/><String HEIGHT="24" CONTENT="so" WIDTH="24" HPOS="984" VPOS="1535" ID="st6-725"/><SP/><String HEIGHT="24" CONTENT="large" WIDTH="53" HPOS="1018" VPOS="1535" ID="st6-726"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1081" VPOS="1535" ID="st6-727"/><SP/><String HEIGHT="24" CONTENT="interconnected" WIDTH="159" HPOS="1131" VPOS="1535" ID="st6-728"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1300" VPOS="1535" ID="st6-729"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1353" VPOS="1535" ID="st6-730"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1412" VPOS="1535" ID="st6-731" SUBS_TYPE="HypPart1" SUBS_CONTENT="risktaking"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="1535" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl6-75" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="taking" WIDTH="66" HPOS="858" VPOS="1571" ID="st6-732" SUBS_TYPE="HypPart2" SUBS_CONTENT="risktaking"/><SP/><String HEIGHT="24" CONTENT="behavior" WIDTH="91" HPOS="932" VPOS="1571" ID="st6-733"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="1031" VPOS="1571" ID="st6-734"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1076" VPOS="1571" ID="st6-735"/><SP/><String HEIGHT="24" CONTENT="effects" WIDTH="70" HPOS="1133" VPOS="1571" ID="st6-736"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1211" VPOS="1571" ID="st6-737"/><SP/><String HEIGHT="24" CONTENT="extend" WIDTH="72" HPOS="1261" VPOS="1571" ID="st6-738"/><SP/><String HEIGHT="24" CONTENT="far" WIDTH="29" HPOS="1341" VPOS="1571" ID="st6-739"/><SP/><String HEIGHT="24" CONTENT="beyond" WIDTH="79" HPOS="1377" VPOS="1571" ID="st6-740"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl6-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="858" VPOS="1607" ID="st6-741"/><SP/><String HEIGHT="24" CONTENT="own" WIDTH="47" HPOS="916" VPOS="1607" ID="st6-742"/><SP/><String HEIGHT="24" CONTENT="shareholders" WIDTH="134" HPOS="972" VPOS="1607" ID="st6-743"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1115" VPOS="1607" ID="st6-744"/><SP/><String HEIGHT="24" CONTENT="creditors" WIDTH="88" HPOS="1165" VPOS="1607" ID="st6-745"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1253" VPOS="1607" ID="st6-746"/><SP/><String HEIGHT="24" CONTENT="As" WIDTH="27" HPOS="1272" VPOS="1607" ID="st6-747"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1308" VPOS="1607" ID="st6-748"/><SP/><String HEIGHT="24" CONTENT="result" WIDTH="55" HPOS="1329" VPOS="1607" ID="st6-749"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1384" VPOS="1607" ID="st6-750"/><SP/><String HEIGHT="24" CONTENT="most" WIDTH="53" HPOS="1403" VPOS="1607" ID="st6-751"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl6-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="commentators" WIDTH="154" HPOS="858" VPOS="1643" ID="st6-752"/><SP/><String HEIGHT="24" CONTENT="after" WIDTH="50" HPOS="1022" VPOS="1643" ID="st6-753"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1083" VPOS="1643" ID="st6-754"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="56" HPOS="1128" VPOS="1643" ID="st6-755"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="50" HPOS="1194" VPOS="1643" ID="st6-756"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1255" VPOS="1643" ID="st6-757"/><SP/><String HEIGHT="24" CONTENT="accepted" WIDTH="96" HPOS="1315" VPOS="1643" ID="st6-758"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1422" VPOS="1643" ID="st6-759"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl6-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="need" WIDTH="53" HPOS="858" VPOS="1679" ID="st6-760"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="916" VPOS="1679" ID="st6-761"/><SP/><String HEIGHT="24" CONTENT="much" WIDTH="59" HPOS="953" VPOS="1679" ID="st6-762"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1018" VPOS="1679" ID="st6-763"/><SP/><String HEIGHT="24" CONTENT="robust" WIDTH="67" HPOS="1079" VPOS="1679" ID="st6-764"/><SP/><String HEIGHT="24" CONTENT="systemic" WIDTH="89" HPOS="1152" VPOS="1679" ID="st6-765"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="108" HPOS="1247" VPOS="1679" ID="st6-766"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1360" VPOS="1679" ID="st6-767"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1406" VPOS="1679" ID="st6-768"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl6-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="realized" WIDTH="81" HPOS="858" VPOS="1715" ID="st6-769"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="950" VPOS="1715" ID="st6-770"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1005" VPOS="1715" ID="st6-771"/><SP/><String HEIGHT="24" CONTENT="governance" WIDTH="124" HPOS="1050" VPOS="1715" ID="st6-772"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1185" VPOS="1715" ID="st6-773"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="1219" VPOS="1715" ID="st6-774"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="116" HPOS="1287" VPOS="1715" ID="st6-775"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="1414" VPOS="1715" ID="st6-776"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl6-80" WIDTH="240" HEIGHT="24"><String HEIGHT="24" CONTENT="important" WIDTH="105" HPOS="858" VPOS="1751" ID="st6-777"/><SP/><String HEIGHT="24" CONTENT="systemically" WIDTH="118" HPOS="970" VPOS="1751" ID="st6-778"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1088" VPOS="1751" ID="st6-779"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl6-81" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1824" ID="st6-780"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="90" HPOS="909" VPOS="1824" ID="st6-781"/><SP/><String HEIGHT="23" CONTENT="sector" WIDTH="64" HPOS="1011" VPOS="1824" ID="st6-782"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="16" HPOS="1087" VPOS="1824" ID="st6-783"/><SP/><String HEIGHT="23" CONTENT="also" WIDTH="42" HPOS="1115" VPOS="1824" ID="st6-784"/><SP/><String HEIGHT="23" CONTENT="responsible" WIDTH="120" HPOS="1169" VPOS="1824" ID="st6-785"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="1301" VPOS="1824" ID="st6-786"/><SP/><String HEIGHT="23" CONTENT="exacerbat" WIDTH="101" HPOS="1344" VPOS="1824" ID="st6-787" SUBS_TYPE="HypPart1" SUBS_CONTENT="exacerbating"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="1824" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl6-82" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ing" WIDTH="33" HPOS="858" VPOS="1860" ID="st6-788" SUBS_TYPE="HypPart2" SUBS_CONTENT="exacerbating"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="900" VPOS="1860" ID="st6-789"/><SP/><String HEIGHT="24" CONTENT="perpetuating" WIDTH="138" HPOS="950" VPOS="1860" ID="st6-790"/><SP/><String HEIGHT="24" CONTENT="wealth" WIDTH="72" HPOS="1097" VPOS="1860" ID="st6-791"/><SP/><String HEIGHT="24" CONTENT="inequality" WIDTH="103" HPOS="1178" VPOS="1860" ID="st6-792"/><SP/><String HEIGHT="24" CONTENT="within" WIDTH="67" HPOS="1290" VPOS="1860" ID="st6-793"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1366" VPOS="1860" ID="st6-794"/><SP/><String HEIGHT="24" CONTENT="ranks" WIDTH="57" HPOS="1399" VPOS="1860" ID="st6-795"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl6-83" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="858" VPOS="1896" ID="st6-796"/><String HEIGHT="24" CONTENT="Jaumotte" WIDTH="94" HPOS="869" VPOS="1896" ID="st6-797"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="974" VPOS="1896" ID="st6-798"/><SP/><String HEIGHT="24" CONTENT="Osorio" WIDTH="65" HPOS="1024" VPOS="1896" ID="st6-799"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1089" VPOS="1896" ID="st6-800"/><SP/><String HEIGHT="24" CONTENT="2015" WIDTH="46" HPOS="1111" VPOS="1896" ID="st6-801"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1157" VPOS="1896" ID="st6-802"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1168" VPOS="1896" ID="st6-803"/><SP/><String HEIGHT="24" CONTENT="Citigroup" WIDTH="100" HPOS="1190" VPOS="1896" ID="st6-804"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1300" VPOS="1896" ID="st6-805"/><SP/><String HEIGHT="24" CONTENT="JPMorgan" WIDTH="105" HPOS="1351" VPOS="1896" ID="st6-806"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl6-84" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Chase" WIDTH="65" HPOS="858" VPOS="1932" ID="st6-807"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="930" VPOS="1932" ID="st6-808"/><SP/><String HEIGHT="24" CONTENT="compete" WIDTH="93" HPOS="987" VPOS="1932" ID="st6-809"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1087" VPOS="1932" ID="st6-810"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1124" VPOS="1932" ID="st6-811"/><SP/><String HEIGHT="24" CONTENT="highest" WIDTH="78" HPOS="1166" VPOS="1932" ID="st6-812"/><SP/><String HEIGHT="24" CONTENT="CEO" WIDTH="37" HPOS="1251" VPOS="1932" ID="st6-813"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="1288" VPOS="1932" ID="st6-814"/><String HEIGHT="24" CONTENT="to" WIDTH="25" HPOS="1300" VPOS="1932" ID="st6-815"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="1325" VPOS="1932" ID="st6-816"/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="1337" VPOS="1932" ID="st6-817"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="37" HPOS="1419" VPOS="1932" ID="st6-818"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl6-85" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ratios" WIDTH="58" HPOS="858" VPOS="1968" ID="st6-819"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="924" VPOS="1968" ID="st6-820"/><SP/><String HEIGHT="24" CONTENT="369" WIDTH="37" HPOS="952" VPOS="1968" ID="st6-821"/><String HEIGHT="24" CONTENT=":" WIDTH="13" HPOS="989" VPOS="1968" ID="st6-822"/><String HEIGHT="24" CONTENT="1" WIDTH="13" HPOS="1002" VPOS="1968" ID="st6-823"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1023" VPOS="1968" ID="st6-824"/><SP/><String HEIGHT="24" CONTENT="364" WIDTH="34" HPOS="1071" VPOS="1968" ID="st6-825"/><String HEIGHT="24" CONTENT=":" WIDTH="12" HPOS="1105" VPOS="1968" ID="st6-826"/><String HEIGHT="24" CONTENT="1" WIDTH="11" HPOS="1117" VPOS="1968" ID="st6-827"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1128" VPOS="1968" ID="st6-828"/><SP/><String HEIGHT="24" CONTENT="respectively" WIDTH="119" HPOS="1148" VPOS="1968" ID="st6-829"/><String HEIGHT="24" CONTENT=";" WIDTH="10" HPOS="1267" VPOS="1968" ID="st6-830"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1284" VPOS="1968" ID="st6-831"/><SP/><String HEIGHT="24" CONTENT="CEOs" WIDTH="57" HPOS="1327" VPOS="1968" ID="st6-832"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1392" VPOS="1968" ID="st6-833"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="1968" ID="st6-834"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl6-86" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="858" VPOS="2004" ID="st6-835"/><String HEIGHT="24" CONTENT="big" WIDTH="36" HPOS="869" VPOS="2004" ID="st6-836"/><SP/><String HEIGHT="24" CONTENT="six" WIDTH="30" HPOS="913" VPOS="2004" ID="st6-837"/><String HEIGHT="24" CONTENT="«" WIDTH="10" HPOS="943" VPOS="2004" ID="st6-838"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="961" VPOS="2004" ID="st6-839"/><SP/><String HEIGHT="24" CONTENT="paid" WIDTH="46" HPOS="1021" VPOS="2004" ID="st6-840"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1075" VPOS="2004" ID="st6-841"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="1137" VPOS="2004" ID="st6-842"/><String HEIGHT="24" CONTENT="$" WIDTH="13" HPOS="1194" VPOS="2004" ID="st6-843"/><String HEIGHT="24" CONTENT="130" WIDTH="42" HPOS="1207" VPOS="2004" ID="st6-844"/><SP/><String HEIGHT="24" CONTENT="million" WIDTH="71" HPOS="1257" VPOS="2004" ID="st6-845"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1336" VPOS="2004" ID="st6-846"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1346" VPOS="2004" ID="st6-847"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1357" VPOS="2004" ID="st6-848"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1368" VPOS="2004" ID="st6-849"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="69" HPOS="1387" VPOS="2004" ID="st6-850"/></TextLine><TextLine HPOS="818" VPOS="2254" ID="tl6-87" WIDTH="16" HEIGHT="28"><String HEIGHT="28" CONTENT="5" WIDTH="16" HPOS="818" VPOS="2254" ID="st6-851"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="7" ID="p840446" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840446" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840446" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl7-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st7-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st7-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st7-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st7-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st7-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st7-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st7-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st7-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st7-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st7-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st7-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st7-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st7-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st7-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st7-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st7-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st7-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st7-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st7-18"/></TextLine><TextLine HPOS="196" VPOS="269" ID="tl7-1" WIDTH="690" HEIGHT="26"><String HEIGHT="26" CONTENT="Figure" WIDTH="73" HPOS="196" VPOS="269" ID="st7-19"/><SP/><String HEIGHT="26" CONTENT="2" WIDTH="11" HPOS="277" VPOS="269" ID="st7-20"/><String HEIGHT="26" CONTENT="." WIDTH="12" HPOS="288" VPOS="269" ID="st7-21"/><SP/><String HEIGHT="26" CONTENT="Asset" WIDTH="64" HPOS="307" VPOS="269" ID="st7-22"/><SP/><String HEIGHT="26" CONTENT="and" WIDTH="45" HPOS="378" VPOS="269" ID="st7-23"/><SP/><String HEIGHT="26" CONTENT="Employment" WIDTH="148" HPOS="431" VPOS="269" ID="st7-24"/><SP/><String HEIGHT="26" CONTENT="Footprint" WIDTH="108" HPOS="587" VPOS="269" ID="st7-25"/><SP/><String HEIGHT="26" CONTENT="of" WIDTH="24" HPOS="703" VPOS="269" ID="st7-26"/><SP/><String HEIGHT="26" CONTENT="the" WIDTH="39" HPOS="735" VPOS="269" ID="st7-27"/><String HEIGHT="26" CONTENT="»" WIDTH="12" HPOS="781" VPOS="269" ID="st7-28"/><String HEIGHT="26" CONTENT="Big" WIDTH="39" HPOS="793" VPOS="269" ID="st7-29"/><SP/><String HEIGHT="26" CONTENT="Six" WIDTH="34" HPOS="840" VPOS="269" ID="st7-30"/><String HEIGHT="26" CONTENT="«" WIDTH="12" HPOS="874" VPOS="269" ID="st7-31"/></TextLine><TextLine HPOS="523" VPOS="331" ID="tl7-2" WIDTH="835" HEIGHT="21"><String HEIGHT="21" CONTENT="Global" WIDTH="68" HPOS="523" VPOS="331" ID="st7-32"/><SP/><String HEIGHT="21" CONTENT="Assets" WIDTH="67" HPOS="597" VPOS="331" ID="st7-33"/><String HEIGHT="21" CONTENT="%" WIDTH="22" HPOS="838" VPOS="331" ID="st7-34"/><SP/><String HEIGHT="21" CONTENT="U" WIDTH="10" HPOS="866" VPOS="331" ID="st7-35"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="876" VPOS="331" ID="st7-36"/><String HEIGHT="21" CONTENT="S" WIDTH="10" HPOS="886" VPOS="331" ID="st7-37"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="896" VPOS="331" ID="st7-38"/><SP/><String HEIGHT="21" CONTENT="GDP" WIDTH="44" HPOS="913" VPOS="331" ID="st7-39"/><SP/><String HEIGHT="21" CONTENT="Global" WIDTH="68" HPOS="1152" VPOS="331" ID="st7-40"/><SP/><String HEIGHT="21" CONTENT="Employment" WIDTH="132" HPOS="1226" VPOS="331" ID="st7-41"/></TextLine><TextLine HPOS="208" VPOS="374" ID="tl7-3" WIDTH="1043" HEIGHT="21"><String HEIGHT="21" CONTENT="JPMorgan" WIDTH="94" HPOS="208" VPOS="374" ID="st7-42"/><SP/><String HEIGHT="21" CONTENT="Chase" WIDTH="58" HPOS="308" VPOS="374" ID="st7-43"/><String HEIGHT="21" CONTENT="$" WIDTH="10" HPOS="523" VPOS="374" ID="st7-44"/><String HEIGHT="21" CONTENT="2" WIDTH="11" HPOS="533" VPOS="374" ID="st7-45"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="544" VPOS="374" ID="st7-46"/><String HEIGHT="21" CONTENT="5" WIDTH="11" HPOS="555" VPOS="374" ID="st7-47"/><SP/><String HEIGHT="21" CONTENT="trillion" WIDTH="60" HPOS="572" VPOS="374" ID="st7-48"/><SP/><String HEIGHT="21" CONTENT="13" WIDTH="30" HPOS="838" VPOS="374" ID="st7-49"/><String HEIGHT="21" CONTENT="%" WIDTH="16" HPOS="868" VPOS="374" ID="st7-50"/><SP/><String HEIGHT="21" CONTENT="  243,355" WIDTH="99" HPOS="1152" VPOS="374" ID="st7-51"/></TextLine><TextLine HPOS="208" VPOS="416" ID="tl7-4" WIDTH="1043" HEIGHT="21"><String HEIGHT="21" CONTENT="Bank" WIDTH="47" HPOS="208" VPOS="416" ID="st7-52"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="261" VPOS="416" ID="st7-53"/><SP/><String HEIGHT="21" CONTENT="America" WIDTH="78" HPOS="287" VPOS="416" ID="st7-54"/><String HEIGHT="21" CONTENT="$" WIDTH="10" HPOS="523" VPOS="416" ID="st7-55"/><String HEIGHT="21" CONTENT="2" WIDTH="11" HPOS="533" VPOS="416" ID="st7-56"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="544" VPOS="416" ID="st7-57"/><String HEIGHT="21" CONTENT="3" WIDTH="11" HPOS="555" VPOS="416" ID="st7-58"/><SP/><String HEIGHT="21" CONTENT="trillion" WIDTH="60" HPOS="572" VPOS="416" ID="st7-59"/><SP/><String HEIGHT="21" CONTENT="12" WIDTH="30" HPOS="838" VPOS="416" ID="st7-60"/><String HEIGHT="21" CONTENT="%" WIDTH="16" HPOS="868" VPOS="416" ID="st7-61"/><SP/><String HEIGHT="21" CONTENT="  224,000" WIDTH="99" HPOS="1152" VPOS="416" ID="st7-62"/></TextLine><TextLine HPOS="208" VPOS="459" ID="tl7-5" WIDTH="1043" HEIGHT="21"><String HEIGHT="21" CONTENT="Wells" WIDTH="50" HPOS="208" VPOS="459" ID="st7-63"/><SP/><String HEIGHT="21" CONTENT="Fargo" WIDTH="53" HPOS="265" VPOS="459" ID="st7-64"/><String HEIGHT="21" CONTENT="$" WIDTH="10" HPOS="523" VPOS="459" ID="st7-65"/><String HEIGHT="21" CONTENT="2" WIDTH="11" HPOS="533" VPOS="459" ID="st7-66"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="544" VPOS="459" ID="st7-67"/><String HEIGHT="21" CONTENT="0" WIDTH="11" HPOS="555" VPOS="459" ID="st7-68"/><SP/><String HEIGHT="21" CONTENT="trillion" WIDTH="60" HPOS="572" VPOS="459" ID="st7-69"/><SP/><String HEIGHT="21" CONTENT="10" WIDTH="30" HPOS="838" VPOS="459" ID="st7-70"/><String HEIGHT="21" CONTENT="%" WIDTH="16" HPOS="868" VPOS="459" ID="st7-71"/><SP/><String HEIGHT="21" CONTENT="  269,000" WIDTH="99" HPOS="1152" VPOS="459" ID="st7-72"/></TextLine><TextLine HPOS="208" VPOS="502" ID="tl7-6" WIDTH="1043" HEIGHT="21"><String HEIGHT="21" CONTENT="Citi" WIDTH="32" HPOS="208" VPOS="502" ID="st7-73"/><String HEIGHT="21" CONTENT="$" WIDTH="10" HPOS="523" VPOS="502" ID="st7-74"/><String HEIGHT="21" CONTENT="1" WIDTH="11" HPOS="533" VPOS="502" ID="st7-75"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="544" VPOS="502" ID="st7-76"/><String HEIGHT="21" CONTENT="8" WIDTH="11" HPOS="555" VPOS="502" ID="st7-77"/><SP/><String HEIGHT="21" CONTENT="trillion" WIDTH="60" HPOS="572" VPOS="502" ID="st7-78"/><SP/><String HEIGHT="21" CONTENT=" 9" WIDTH="30" HPOS="838" VPOS="502" ID="st7-79"/><String HEIGHT="21" CONTENT="%" WIDTH="16" HPOS="868" VPOS="502" ID="st7-80"/><SP/><String HEIGHT="21" CONTENT="  219,000" WIDTH="99" HPOS="1152" VPOS="502" ID="st7-81"/></TextLine><TextLine HPOS="208" VPOS="544" ID="tl7-7" WIDTH="1043" HEIGHT="21"><String HEIGHT="21" CONTENT="Goldman" WIDTH="88" HPOS="208" VPOS="544" ID="st7-82"/><SP/><String HEIGHT="21" CONTENT="Sachs" WIDTH="53" HPOS="302" VPOS="544" ID="st7-83"/><String HEIGHT="21" CONTENT="$" WIDTH="12" HPOS="523" VPOS="544" ID="st7-84"/><String HEIGHT="21" CONTENT="916" WIDTH="37" HPOS="535" VPOS="544" ID="st7-85"/><SP/><String HEIGHT="21" CONTENT="billion" WIDTH="57" HPOS="578" VPOS="544" ID="st7-86"/><SP/><String HEIGHT="21" CONTENT=" 5" WIDTH="30" HPOS="838" VPOS="544" ID="st7-87"/><String HEIGHT="21" CONTENT="%" WIDTH="16" HPOS="868" VPOS="544" ID="st7-88"/><SP/><String HEIGHT="21" CONTENT="   34,400" WIDTH="99" HPOS="1152" VPOS="544" ID="st7-89"/></TextLine><TextLine HPOS="208" VPOS="587" ID="tl7-8" WIDTH="1043" HEIGHT="21"><String HEIGHT="21" CONTENT="Morgan" WIDTH="75" HPOS="208" VPOS="587" ID="st7-90"/><SP/><String HEIGHT="21" CONTENT="Stanley" WIDTH="68" HPOS="290" VPOS="587" ID="st7-91"/><String HEIGHT="21" CONTENT="$" WIDTH="12" HPOS="523" VPOS="587" ID="st7-92"/><String HEIGHT="21" CONTENT="852" WIDTH="37" HPOS="535" VPOS="587" ID="st7-93"/><SP/><String HEIGHT="21" CONTENT="billion" WIDTH="57" HPOS="578" VPOS="587" ID="st7-94"/><SP/><String HEIGHT="21" CONTENT=" 4" WIDTH="30" HPOS="838" VPOS="587" ID="st7-95"/><String HEIGHT="21" CONTENT="%" WIDTH="16" HPOS="868" VPOS="587" ID="st7-96"/><SP/><String HEIGHT="21" CONTENT="   55,802" WIDTH="99" HPOS="1152" VPOS="587" ID="st7-97"/></TextLine><TextLine HPOS="208" VPOS="630" ID="tl7-9" WIDTH="1043" HEIGHT="21"><String HEIGHT="21" CONTENT="Total" WIDTH="45" HPOS="208" VPOS="630" ID="st7-98"/><String HEIGHT="21" CONTENT="$" WIDTH="11" HPOS="523" VPOS="630" ID="st7-99"/><String HEIGHT="21" CONTENT="10" WIDTH="22" HPOS="534" VPOS="630" ID="st7-100"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="556" VPOS="630" ID="st7-101"/><String HEIGHT="21" CONTENT="4" WIDTH="11" HPOS="567" VPOS="630" ID="st7-102"/><SP/><String HEIGHT="21" CONTENT="trillion" WIDTH="59" HPOS="585" VPOS="630" ID="st7-103"/><SP/><String HEIGHT="21" CONTENT="52" WIDTH="30" HPOS="838" VPOS="630" ID="st7-104"/><String HEIGHT="21" CONTENT="%" WIDTH="16" HPOS="868" VPOS="630" ID="st7-105"/><SP/><String HEIGHT="21" CONTENT="1,045,557" WIDTH="99" HPOS="1152" VPOS="630" ID="st7-106"/></TextLine><TextLine HPOS="196" VPOS="672" ID="tl7-10" WIDTH="1257" HEIGHT="21"><String HEIGHT="21" CONTENT="Sources" WIDTH="69" HPOS="196" VPOS="672" ID="st7-107"/><String HEIGHT="21" CONTENT=":" WIDTH="10" HPOS="265" VPOS="672" ID="st7-108"/><SP/><String HEIGHT="21" CONTENT="Information" WIDTH="111" HPOS="281" VPOS="672" ID="st7-109"/><SP/><String HEIGHT="21" CONTENT="taken" WIDTH="54" HPOS="398" VPOS="672" ID="st7-110"/><SP/><String HEIGHT="21" CONTENT="from" WIDTH="45" HPOS="458" VPOS="672" ID="st7-111"/><SP/><String HEIGHT="21" CONTENT="S" WIDTH="12" HPOS="509" VPOS="672" ID="st7-112"/><String HEIGHT="21" CONTENT="&amp;" WIDTH="12" HPOS="521" VPOS="672" ID="st7-113"/><String HEIGHT="21" CONTENT="P" WIDTH="13" HPOS="533" VPOS="672" ID="st7-114"/><SP/><String HEIGHT="21" CONTENT="Global" WIDTH="62" HPOS="552" VPOS="672" ID="st7-115"/><SP/><String HEIGHT="21" CONTENT="Intelligence" WIDTH="105" HPOS="620" VPOS="672" ID="st7-116"/><String HEIGHT="21" CONTENT="," WIDTH="9" HPOS="725" VPOS="672" ID="st7-117"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="740" VPOS="672" ID="st7-118"/><SP/><String HEIGHT="21" CONTENT="U" WIDTH="9" HPOS="777" VPOS="672" ID="st7-119"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="786" VPOS="672" ID="st7-120"/><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="796" VPOS="672" ID="st7-121"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="805" VPOS="672" ID="st7-122"/><SP/><String HEIGHT="21" CONTENT="Bureau" WIDTH="66" HPOS="822" VPOS="672" ID="st7-123"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="894" VPOS="672" ID="st7-124"/><SP/><String HEIGHT="21" CONTENT="Economic" WIDTH="91" HPOS="920" VPOS="672" ID="st7-125"/><SP/><String HEIGHT="21" CONTENT="Statistics" WIDTH="80" HPOS="1017" VPOS="672" ID="st7-126"/><String HEIGHT="21" CONTENT="," WIDTH="8" HPOS="1097" VPOS="672" ID="st7-127"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="1111" VPOS="672" ID="st7-128"/><SP/><String HEIGHT="21" CONTENT="banks" WIDTH="51" HPOS="1153" VPOS="672" ID="st7-129"/><String HEIGHT="21" CONTENT="’" WIDTH="11" HPOS="1204" VPOS="672" ID="st7-130"/><SP/><String HEIGHT="21" CONTENT="annual" WIDTH="64" HPOS="1221" VPOS="672" ID="st7-131"/><SP/><String HEIGHT="21" CONTENT="reports" WIDTH="66" HPOS="1292" VPOS="672" ID="st7-132"/><SP/><String HEIGHT="21" CONTENT="filed" WIDTH="41" HPOS="1364" VPOS="672" ID="st7-133"/><SP/><String HEIGHT="21" CONTENT="with" WIDTH="42" HPOS="1411" VPOS="672" ID="st7-134"/></TextLine><TextLine HPOS="196" VPOS="700" ID="tl7-11" WIDTH="449" HEIGHT="21"><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="196" VPOS="700" ID="st7-135"/><SP/><String HEIGHT="21" CONTENT="Securities" WIDTH="89" HPOS="233" VPOS="700" ID="st7-136"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="328" VPOS="700" ID="st7-137"/><SP/><String HEIGHT="21" CONTENT="Exchange" WIDTH="91" HPOS="370" VPOS="700" ID="st7-138"/><SP/><String HEIGHT="21" CONTENT="Commission" WIDTH="116" HPOS="467" VPOS="700" ID="st7-139"/><String HEIGHT="21" CONTENT="(" WIDTH="9" HPOS="589" VPOS="700" ID="st7-140"/><String HEIGHT="21" CONTENT="SEC" WIDTH="28" HPOS="598" VPOS="700" ID="st7-141"/><String HEIGHT="21" CONTENT=")" WIDTH="9" HPOS="626" VPOS="700" ID="st7-142"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="635" VPOS="700" ID="st7-143"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl7-12" WIDTH="384" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="196" VPOS="776" ID="st7-144"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="55" HPOS="225" VPOS="776" ID="st7-145"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="289" VPOS="776" ID="st7-146"/><String HEIGHT="24" CONTENT="AFL" WIDTH="36" HPOS="300" VPOS="776" ID="st7-147"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="336" VPOS="776" ID="st7-148"/><String HEIGHT="24" CONTENT="CIO" WIDTH="36" HPOS="348" VPOS="776" ID="st7-149"/><SP/><String HEIGHT="24" CONTENT="Paywatch" WIDTH="96" HPOS="393" VPOS="776" ID="st7-150"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="489" VPOS="776" ID="st7-151"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="510" VPOS="776" ID="st7-152"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="556" VPOS="776" ID="st7-153"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="568" VPOS="776" ID="st7-154"/></TextLine><TextLine HPOS="580" VPOS="776" ID="tl7-13" WIDTH="8" HEIGHT="13"><String HEIGHT="13" CONTENT="5" WIDTH="8" HPOS="580" VPOS="776" ID="st7-155"/></TextLine><TextLine HPOS="597" VPOS="776" ID="tl7-14" WIDTH="198" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="597" VPOS="776" ID="st7-156"/><SP/><String HEIGHT="24" CONTENT="leaders" WIDTH="75" HPOS="645" VPOS="776" ID="st7-157"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="729" VPOS="776" ID="st7-158"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="776" ID="st7-159"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl7-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="industry" WIDTH="96" HPOS="196" VPOS="813" ID="st7-160"/><String HEIGHT="23" CONTENT="—" WIDTH="12" HPOS="292" VPOS="813" ID="st7-161"/><String HEIGHT="23" CONTENT="the" WIDTH="36" HPOS="304" VPOS="813" ID="st7-162"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="346" VPOS="813" ID="st7-163"/><String HEIGHT="23" CONTENT="big" WIDTH="36" HPOS="357" VPOS="813" ID="st7-164"/><SP/><String HEIGHT="23" CONTENT="six" WIDTH="38" HPOS="398" VPOS="813" ID="st7-165"/><String HEIGHT="23" CONTENT="«" WIDTH="12" HPOS="436" VPOS="813" ID="st7-166"/><String HEIGHT="23" CONTENT="—" WIDTH="13" HPOS="448" VPOS="813" ID="st7-167"/><String HEIGHT="23" CONTENT="tend" WIDTH="51" HPOS="461" VPOS="813" ID="st7-168"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="517" VPOS="813" ID="st7-169"/><SP/><String HEIGHT="23" CONTENT="be" WIDTH="26" HPOS="545" VPOS="813" ID="st7-170"/><SP/><String HEIGHT="23" CONTENT="so" WIDTH="24" HPOS="576" VPOS="813" ID="st7-171"/><SP/><String HEIGHT="23" CONTENT="powerful" WIDTH="96" HPOS="605" VPOS="813" ID="st7-172"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="706" VPOS="813" ID="st7-173"/><SP/><String HEIGHT="23" CONTENT="one" WIDTH="41" HPOS="754" VPOS="813" ID="st7-174"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl7-16" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="196" VPOS="849" ID="st7-175"/><SP/><String HEIGHT="23" CONTENT="these" WIDTH="57" HPOS="226" VPOS="849" ID="st7-176"/><SP/><String HEIGHT="23" CONTENT="banks" WIDTH="58" HPOS="291" VPOS="849" ID="st7-177"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="349" VPOS="849" ID="st7-178"/><SP/><String HEIGHT="23" CONTENT="operational" WIDTH="120" HPOS="369" VPOS="849" ID="st7-179"/><SP/><String HEIGHT="23" CONTENT="decisions" WIDTH="96" HPOS="497" VPOS="849" ID="st7-180"/><SP/><String HEIGHT="23" CONTENT="can" WIDTH="37" HPOS="601" VPOS="849" ID="st7-181"/><SP/><String HEIGHT="23" CONTENT="help" WIDTH="46" HPOS="646" VPOS="849" ID="st7-182"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="700" VPOS="849" ID="st7-183"/><SP/><String HEIGHT="23" CONTENT="set" WIDTH="31" HPOS="730" VPOS="849" ID="st7-184"/><SP/><String HEIGHT="23" CONTENT="an" WIDTH="27" HPOS="768" VPOS="849" ID="st7-185"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl7-17" WIDTH="192" HEIGHT="24"><String HEIGHT="24" CONTENT="industry" WIDTH="85" HPOS="196" VPOS="885" ID="st7-186"/><SP/><String HEIGHT="24" CONTENT="standard" WIDTH="88" HPOS="288" VPOS="885" ID="st7-187"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="376" VPOS="885" ID="st7-188"/></TextLine><TextLine HPOS="425" VPOS="989" ID="tl7-18" WIDTH="370" HEIGHT="29"><String HEIGHT="29" CONTENT="The" WIDTH="47" HPOS="425" VPOS="989" ID="st7-189"/><SP/><String HEIGHT="29" CONTENT="Challenge" WIDTH="130" HPOS="481" VPOS="989" ID="st7-190"/><SP/><String HEIGHT="29" CONTENT="of" WIDTH="27" HPOS="620" VPOS="989" ID="st7-191"/><SP/><String HEIGHT="29" CONTENT="Regulation" WIDTH="139" HPOS="656" VPOS="989" ID="st7-192"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl7-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="To" WIDTH="24" HPOS="196" VPOS="1065" ID="st7-193"/><SP/><String HEIGHT="24" CONTENT="understand" WIDTH="121" HPOS="225" VPOS="1065" ID="st7-194"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="352" VPOS="1065" ID="st7-195"/><SP/><String HEIGHT="24" CONTENT="need" WIDTH="53" HPOS="392" VPOS="1065" ID="st7-196"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="450" VPOS="1065" ID="st7-197"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="486" VPOS="1065" ID="st7-198"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="497" VPOS="1065" ID="st7-199"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="614" VPOS="1065" ID="st7-200"/><SP/><String HEIGHT="24" CONTENT="below," WIDTH="72" HPOS="670" VPOS="1065" ID="st7-201"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="742" VPOS="1065" ID="st7-202"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="760" VPOS="1065" ID="st7-203"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="780" VPOS="1065" ID="st7-204"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl7-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="important" WIDTH="106" HPOS="196" VPOS="1101" ID="st7-205"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="307" VPOS="1101" ID="st7-206"/><SP/><String HEIGHT="24" CONTENT="understand" WIDTH="121" HPOS="334" VPOS="1101" ID="st7-207"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="460" VPOS="1101" ID="st7-208"/><SP/><String HEIGHT="24" CONTENT="structural" WIDTH="100" HPOS="500" VPOS="1101" ID="st7-209"/><SP/><String HEIGHT="24" CONTENT="obstacles" WIDTH="97" HPOS="605" VPOS="1101" ID="st7-210"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="707" VPOS="1101" ID="st7-211"/><SP/><String HEIGHT="24" CONTENT="effec" WIDTH="50" HPOS="735" VPOS="1101" ID="st7-212" SUBS_TYPE="HypPart1" SUBS_CONTENT="effective"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1101" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl7-21" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="tive" WIDTH="38" HPOS="196" VPOS="1138" ID="st7-213" SUBS_TYPE="HypPart2" SUBS_CONTENT="effective"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="240" VPOS="1138" ID="st7-214"/><SP/><String HEIGHT="23" CONTENT="regulation" WIDTH="104" HPOS="335" VPOS="1138" ID="st7-215"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="439" VPOS="1138" ID="st7-216"/><SP/><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="457" VPOS="1138" ID="st7-217"/><SP/><String HEIGHT="23" CONTENT="predominance" WIDTH="152" HPOS="502" VPOS="1138" ID="st7-218"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="661" VPOS="1138" ID="st7-219"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="689" VPOS="1138" ID="st7-220"/><String HEIGHT="23" CONTENT="informa" WIDTH="84" HPOS="700" VPOS="1138" ID="st7-221" SUBS_TYPE="HypPart1" SUBS_CONTENT="information"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1138" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl7-22" WIDTH="193" HEIGHT="23"><String HEIGHT="23" CONTENT="tion" WIDTH="42" HPOS="196" VPOS="1174" ID="st7-222" SUBS_TYPE="HypPart2" SUBS_CONTENT="information"/><SP/><String HEIGHT="23" CONTENT="asymmetries" WIDTH="132" HPOS="244" VPOS="1174" ID="st7-223"/><String HEIGHT="23" CONTENT="«" WIDTH="13" HPOS="376" VPOS="1174" ID="st7-224"/></TextLine><TextLine HPOS="389" VPOS="1173" ID="tl7-23" WIDTH="8" HEIGHT="14"><String HEIGHT="14" CONTENT="6" WIDTH="8" HPOS="389" VPOS="1173" ID="st7-225"/></TextLine><TextLine HPOS="403" VPOS="1174" ID="tl7-24" WIDTH="392" HEIGHT="23"><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="403" VPOS="1174" ID="st7-226"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="428" VPOS="1174" ID="st7-227"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="468" VPOS="1174" ID="st7-228"/><SP/><String HEIGHT="23" CONTENT="sector" WIDTH="59" HPOS="562" VPOS="1174" ID="st7-229"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="621" VPOS="1174" ID="st7-230"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="636" VPOS="1174" ID="st7-231"/><SP/><String HEIGHT="23" CONTENT="continuous" WIDTH="118" HPOS="677" VPOS="1174" ID="st7-232"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl7-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="evolution" WIDTH="99" HPOS="196" VPOS="1210" ID="st7-233"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="300" VPOS="1210" ID="st7-234"/><SP/><String HEIGHT="24" CONTENT="complex" WIDTH="89" HPOS="328" VPOS="1210" ID="st7-235"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="422" VPOS="1210" ID="st7-236"/><SP/><String HEIGHT="24" CONTENT="products" WIDTH="92" HPOS="517" VPOS="1210" ID="st7-237"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="615" VPOS="1210" ID="st7-238"/><SP/><String HEIGHT="24" CONTENT="transactions" WIDTH="124" HPOS="660" VPOS="1210" ID="st7-239"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="1210" ID="st7-240"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl7-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1246" ID="st7-241"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="242" VPOS="1246" ID="st7-242"/><SP/><String HEIGHT="24" CONTENT="strength" WIDTH="89" HPOS="282" VPOS="1246" ID="st7-243"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="376" VPOS="1246" ID="st7-244"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="404" VPOS="1246" ID="st7-245"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="444" VPOS="1246" ID="st7-246"/><SP/><String HEIGHT="24" CONTENT="lobby" WIDTH="58" HPOS="539" VPOS="1246" ID="st7-247"/><SP/><String HEIGHT="24" CONTENT="present" WIDTH="79" HPOS="602" VPOS="1246" ID="st7-248"/><SP/><String HEIGHT="24" CONTENT="significant" WIDTH="108" HPOS="687" VPOS="1246" ID="st7-249"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl7-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="challenges" WIDTH="112" HPOS="196" VPOS="1282" ID="st7-250"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="320" VPOS="1282" ID="st7-251"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="91" HPOS="353" VPOS="1282" ID="st7-252"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="455" VPOS="1282" ID="st7-253"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="108" HPOS="556" VPOS="1282" ID="st7-254"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="676" VPOS="1282" ID="st7-255"/><String HEIGHT="24" CONTENT="Abernathy" WIDTH="108" HPOS="687" VPOS="1282" ID="st7-256"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl7-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="196" VPOS="1318" ID="st7-257"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="228" VPOS="1318" ID="st7-258"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="244" VPOS="1318" ID="st7-259"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="252" VPOS="1318" ID="st7-260"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="271" VPOS="1318" ID="st7-261"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="317" VPOS="1318" ID="st7-262"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="328" VPOS="1318" ID="st7-263"/><SP/><String HEIGHT="24" CONTENT="While" WIDTH="61" HPOS="351" VPOS="1318" ID="st7-264"/><SP/><String HEIGHT="24" CONTENT="free" WIDTH="41" HPOS="423" VPOS="1318" ID="st7-265"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="475" VPOS="1318" ID="st7-266"/><SP/><String HEIGHT="24" CONTENT="theory" WIDTH="68" HPOS="561" VPOS="1318" ID="st7-267"/><SP/><String HEIGHT="24" CONTENT="presumes" WIDTH="101" HPOS="640" VPOS="1318" ID="st7-268"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="752" VPOS="1318" ID="st7-269"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl7-29" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1354" ID="st7-270"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="240" VPOS="1354" ID="st7-271"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="324" VPOS="1354" ID="st7-272"/><SP/><String HEIGHT="24" CONTENT="self" WIDTH="40" HPOS="348" VPOS="1354" ID="st7-273"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="388" VPOS="1354" ID="st7-274"/><String HEIGHT="24" CONTENT="correcting" WIDTH="101" HPOS="398" VPOS="1354" ID="st7-275"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="508" VPOS="1354" ID="st7-276"/><SP/><String HEIGHT="24" CONTENT="able" WIDTH="45" HPOS="557" VPOS="1354" ID="st7-277"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="611" VPOS="1354" ID="st7-278"/><SP/><String HEIGHT="24" CONTENT="regulate" WIDTH="87" HPOS="642" VPOS="1354" ID="st7-279"/><SP/><String HEIGHT="24" CONTENT="itself" WIDTH="48" HPOS="738" VPOS="1354" ID="st7-280"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="786" VPOS="1354" ID="st7-281"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl7-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1390" ID="st7-282"/><SP/><String HEIGHT="24" CONTENT="influence" WIDTH="97" HPOS="240" VPOS="1390" ID="st7-283"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="346" VPOS="1390" ID="st7-284"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="378" VPOS="1390" ID="st7-285"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="421" VPOS="1390" ID="st7-286"/><SP/><String HEIGHT="24" CONTENT="lobby" WIDTH="58" HPOS="519" VPOS="1390" ID="st7-287"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="586" VPOS="1390" ID="st7-288"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="615" VPOS="1390" ID="st7-289"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="659" VPOS="1390" ID="st7-290"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="669" VPOS="1390" ID="st7-291"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="680" VPOS="1390" ID="st7-292"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="691" VPOS="1390" ID="st7-293"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="711" VPOS="1390" ID="st7-294"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1390" ID="st7-295"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl7-31" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="absence" WIDTH="86" HPOS="196" VPOS="1426" ID="st7-296"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="289" VPOS="1426" ID="st7-297"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="108" HPOS="317" VPOS="1426" ID="st7-298"/><SP/><String HEIGHT="24" CONTENT="there" WIDTH="55" HPOS="432" VPOS="1426" ID="st7-299"/><SP/><String HEIGHT="24" CONTENT="provide" WIDTH="79" HPOS="493" VPOS="1426" ID="st7-300"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="578" VPOS="1426" ID="st7-301"/><SP/><String HEIGHT="24" CONTENT="evidence" WIDTH="93" HPOS="652" VPOS="1426" ID="st7-302"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="752" VPOS="1426" ID="st7-303"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl7-32" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1463" ID="st7-304"/><SP/><String HEIGHT="23" CONTENT="real" WIDTH="39" HPOS="242" VPOS="1463" ID="st7-305"/><SP/><String HEIGHT="23" CONTENT="dynamics" WIDTH="99" HPOS="292" VPOS="1463" ID="st7-306"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="402" VPOS="1463" ID="st7-307"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="435" VPOS="1463" ID="st7-308"/><SP/><String HEIGHT="23" CONTENT="regulation" WIDTH="108" HPOS="535" VPOS="1463" ID="st7-309"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="654" VPOS="1463" ID="st7-310"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="706" VPOS="1463" ID="st7-311"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl7-33" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="market" WIDTH="75" HPOS="196" VPOS="1499" ID="st7-312"/><SP/><String HEIGHT="23" CONTENT="functioning" WIDTH="122" HPOS="282" VPOS="1499" ID="st7-313"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="414" VPOS="1499" ID="st7-314"/><SP/><String HEIGHT="23" CONTENT="better" WIDTH="64" HPOS="457" VPOS="1499" ID="st7-315"/><SP/><String HEIGHT="23" CONTENT="understood" WIDTH="122" HPOS="532" VPOS="1499" ID="st7-316"/><SP/><String HEIGHT="23" CONTENT="through" WIDTH="86" HPOS="664" VPOS="1499" ID="st7-317"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1499" ID="st7-318"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl7-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="lens" WIDTH="42" HPOS="196" VPOS="1535" ID="st7-319"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="248" VPOS="1535" ID="st7-320"/><SP/><String HEIGHT="24" CONTENT="political" WIDTH="81" HPOS="280" VPOS="1535" ID="st7-321"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="89" HPOS="371" VPOS="1535" ID="st7-322"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="460" VPOS="1535" ID="st7-323"/><SP/><String HEIGHT="24" CONTENT="Financial" WIDTH="91" HPOS="483" VPOS="1535" ID="st7-324"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="584" VPOS="1535" ID="st7-325"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="710" VPOS="1535" ID="st7-326"/><SP/><String HEIGHT="24" CONTENT="2009" WIDTH="56" HPOS="739" VPOS="1535" ID="st7-327"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl7-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="had" WIDTH="41" HPOS="196" VPOS="1571" ID="st7-328"/><SP/><String HEIGHT="24" CONTENT="25" WIDTH="28" HPOS="243" VPOS="1571" ID="st7-329"/><SP/><String HEIGHT="24" CONTENT="times" WIDTH="57" HPOS="278" VPOS="1571" ID="st7-330"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="342" VPOS="1571" ID="st7-331"/><SP/><String HEIGHT="24" CONTENT="number" WIDTH="84" HPOS="383" VPOS="1571" ID="st7-332"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="473" VPOS="1571" ID="st7-333"/><SP/><String HEIGHT="24" CONTENT="lobbyists" WIDTH="92" HPOS="502" VPOS="1571" ID="st7-334"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="601" VPOS="1571" ID="st7-335"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="627" VPOS="1571" ID="st7-336"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="669" VPOS="1571" ID="st7-337"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="679" VPOS="1571" ID="st7-338"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="690" VPOS="1571" ID="st7-339"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="701" VPOS="1571" ID="st7-340"/><SP/><String HEIGHT="24" CONTENT="Capitol" WIDTH="77" HPOS="718" VPOS="1571" ID="st7-341"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl7-36" WIDTH="496" HEIGHT="24"><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="196" VPOS="1607" ID="st7-342"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="226" VPOS="1607" ID="st7-343"/><SP/><String HEIGHT="24" CONTENT="opposition" WIDTH="113" HPOS="281" VPOS="1607" ID="st7-344"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="401" VPOS="1607" ID="st7-345"/><String HEIGHT="24" CONTENT="Johnson" WIDTH="83" HPOS="412" VPOS="1607" ID="st7-346"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="502" VPOS="1607" ID="st7-347"/><SP/><String HEIGHT="24" CONTENT="Kwak" WIDTH="53" HPOS="549" VPOS="1607" ID="st7-348"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="602" VPOS="1607" ID="st7-349"/><SP/><String HEIGHT="24" CONTENT="2010" WIDTH="46" HPOS="623" VPOS="1607" ID="st7-350"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="669" VPOS="1607" ID="st7-351"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="680" VPOS="1607" ID="st7-352"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl7-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="196" VPOS="1679" ID="st7-353"/><SP/><String HEIGHT="24" CONTENT="IMF" WIDTH="39" HPOS="244" VPOS="1679" ID="st7-354"/><SP/><String HEIGHT="24" CONTENT="found" WIDTH="64" HPOS="291" VPOS="1679" ID="st7-355"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="364" VPOS="1679" ID="st7-356"/><SP/><String HEIGHT="24" CONTENT="2009" WIDTH="55" HPOS="392" VPOS="1679" ID="st7-357"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="456" VPOS="1679" ID="st7-358"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="508" VPOS="1679" ID="st7-359"/><SP/><String HEIGHT="24" CONTENT="lenders" WIDTH="76" HPOS="551" VPOS="1679" ID="st7-360"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="636" VPOS="1679" ID="st7-361"/><SP/><String HEIGHT="24" CONTENT="lobbied" WIDTH="79" HPOS="688" VPOS="1679" ID="st7-362"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1679" ID="st7-363"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl7-38" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1715" ID="st7-364"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="238" VPOS="1715" ID="st7-365"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="248" VPOS="1715" ID="st7-366"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="259" VPOS="1715" ID="st7-367"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="270" VPOS="1715" ID="st7-368"/><SP/><String HEIGHT="24" CONTENT="most" WIDTH="52" HPOS="289" VPOS="1715" ID="st7-369"/><SP/><String HEIGHT="24" CONTENT="extensively" WIDTH="113" HPOS="349" VPOS="1715" ID="st7-370"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="470" VPOS="1715" ID="st7-371"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="496" VPOS="1715" ID="st7-372"/><SP/><String HEIGHT="24" CONTENT="lead" WIDTH="46" HPOS="538" VPOS="1715" ID="st7-373"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="584" VPOS="1715" ID="st7-374"/><String HEIGHT="24" CONTENT="up" WIDTH="24" HPOS="595" VPOS="1715" ID="st7-375"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="626" VPOS="1715" ID="st7-376"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="655" VPOS="1715" ID="st7-377"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="50" HPOS="697" VPOS="1715" ID="st7-378"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="41" HPOS="754" VPOS="1715" ID="st7-379"/></TextLine><TextLine HPOS="196" VPOS="1778" ID="tl7-39" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="5" WIDTH="8" HPOS="196" VPOS="1778" ID="st7-380"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="204" VPOS="1778" ID="st7-381"/><String HEIGHT="18" CONTENT=" Wells" WIDTH="54" HPOS="213" VPOS="1778" ID="st7-382"/><String HEIGHT="18" CONTENT="$" WIDTH="9" HPOS="279" VPOS="1778" ID="st7-383"/><String HEIGHT="18" CONTENT="17,564,014" WIDTH="95" HPOS="288" VPOS="1778" ID="st7-384"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="383" VPOS="1778" ID="st7-385"/><SP/><String HEIGHT="18" CONTENT="Citigroup" WIDTH="78" HPOS="405" VPOS="1778" ID="st7-386"/><String HEIGHT="18" CONTENT="$" WIDTH="9" HPOS="495" VPOS="1778" ID="st7-387"/><String HEIGHT="18" CONTENT="17,801,683" WIDTH="96" HPOS="504" VPOS="1778" ID="st7-388"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="600" VPOS="1778" ID="st7-389"/><SP/><String HEIGHT="18" CONTENT="JPMC" WIDTH="47" HPOS="621" VPOS="1778" ID="st7-390"/><String HEIGHT="18" CONTENT="$" WIDTH="9" HPOS="680" VPOS="1778" ID="st7-391"/><String HEIGHT="18" CONTENT="28,313,787" WIDTH="95" HPOS="689" VPOS="1778" ID="st7-392"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="784" VPOS="1778" ID="st7-393"/></TextLine><TextLine HPOS="196" VPOS="1801" ID="tl7-40" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="­Morgan" WIDTH="67" HPOS="196" VPOS="1801" ID="st7-394"/><SP/><String HEIGHT="18" CONTENT="Stanley" WIDTH="60" HPOS="276" VPOS="1801" ID="st7-395"/><String HEIGHT="18" CONTENT="$" WIDTH="9" HPOS="349" VPOS="1801" ID="st7-396"/><String HEIGHT="18" CONTENT="24,509,722" WIDTH="96" HPOS="358" VPOS="1801" ID="st7-397"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="454" VPOS="1801" ID="st7-398"/><SP/><String HEIGHT="18" CONTENT="GS" WIDTH="23" HPOS="477" VPOS="1801" ID="st7-399"/><String HEIGHT="18" CONTENT="$" WIDTH="9" HPOS="513" VPOS="1801" ID="st7-400"/><String HEIGHT="18" CONTENT="21,995,266" WIDTH="96" HPOS="522" VPOS="1801" ID="st7-401"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="618" VPOS="1801" ID="st7-402"/><SP/><String HEIGHT="18" CONTENT="Bank" WIDTH="42" HPOS="641" VPOS="1801" ID="st7-403"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="18" HPOS="695" VPOS="1801" ID="st7-404"/><SP/><String HEIGHT="18" CONTENT="America" WIDTH="69" HPOS="726" VPOS="1801" ID="st7-405"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl7-41" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="$" WIDTH="9" HPOS="196" VPOS="1824" ID="st7-406"/><String HEIGHT="19" CONTENT="21,779,832" WIDTH="96" HPOS="205" VPOS="1824" ID="st7-407"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="301" VPOS="1824" ID="st7-408"/><SP/><String HEIGHT="19" CONTENT="Total" WIDTH="37" HPOS="323" VPOS="1824" ID="st7-409"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="360" VPOS="1824" ID="st7-410"/><String HEIGHT="19" CONTENT="$" WIDTH="9" HPOS="380" VPOS="1824" ID="st7-411"/><String HEIGHT="19" CONTENT="131,964,304" WIDTH="107" HPOS="389" VPOS="1824" ID="st7-412"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="496" VPOS="1824" ID="st7-413"/><SP/><String HEIGHT="19" CONTENT="Se" WIDTH="19" HPOS="518" VPOS="1824" ID="st7-414"/><SP/><String HEIGHT="19" CONTENT="e" WIDTH="7" HPOS="538" VPOS="1824" ID="st7-415"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="545" VPOS="1824" ID="st7-416"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="41" HPOS="565" VPOS="1824" ID="st7-417"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="606" VPOS="1824" ID="st7-418"/><String HEIGHT="19" CONTENT="//aflcio" WIDTH="65" HPOS="614" VPOS="1824" ID="st7-419"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="679" VPOS="1824" ID="st7-420"/><String HEIGHT="19" CONTENT="org/paywatch" WIDTH="98" HPOS="688" VPOS="1824" ID="st7-421"/><String HEIGHT="19" CONTENT="/" WIDTH="8" HPOS="786" VPOS="1824" ID="st7-422"/></TextLine><TextLine HPOS="196" VPOS="1848" ID="tl7-42" WIDTH="152" HEIGHT="18"><String HEIGHT="18" CONTENT="highest" WIDTH="59" HPOS="196" VPOS="1848" ID="st7-423"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="255" VPOS="1848" ID="st7-424"/><String HEIGHT="18" CONTENT="paid" WIDTH="34" HPOS="263" VPOS="1848" ID="st7-425"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="297" VPOS="1848" ID="st7-426"/><String HEIGHT="18" CONTENT="ceos" WIDTH="34" HPOS="305" VPOS="1848" ID="st7-427"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="339" VPOS="1848" ID="st7-428"/></TextLine><TextLine HPOS="196" VPOS="1883" ID="tl7-43" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="6" WIDTH="9" HPOS="196" VPOS="1883" ID="st7-429"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="205" VPOS="1883" ID="st7-430"/><String HEIGHT="18" CONTENT=" Asymmetric" WIDTH="105" HPOS="214" VPOS="1883" ID="st7-431"/><SP/><String HEIGHT="18" CONTENT="information" WIDTH="93" HPOS="328" VPOS="1883" ID="st7-432"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="421" VPOS="1883" ID="st7-433"/><SP/><String HEIGHT="18" CONTENT="also" WIDTH="32" HPOS="439" VPOS="1883" ID="st7-434"/><SP/><String HEIGHT="18" CONTENT="known" WIDTH="57" HPOS="480" VPOS="1883" ID="st7-435"/><SP/><String HEIGHT="18" CONTENT="as" WIDTH="18" HPOS="545" VPOS="1883" ID="st7-436"/><SP/><String HEIGHT="18" CONTENT="information" WIDTH="97" HPOS="571" VPOS="1883" ID="st7-437"/><SP/><String HEIGHT="18" CONTENT="failure" WIDTH="49" HPOS="677" VPOS="1883" ID="st7-438"/><String HEIGHT="18" CONTENT="," WIDTH="7" HPOS="726" VPOS="1883" ID="st7-439"/><SP/><String HEIGHT="18" CONTENT="occurs" WIDTH="53" HPOS="742" VPOS="1883" ID="st7-440"/></TextLine><TextLine HPOS="196" VPOS="1906" ID="tl7-44" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="when" WIDTH="47" HPOS="196" VPOS="1906" ID="st7-441"/><SP/><String HEIGHT="19" CONTENT="one" WIDTH="31" HPOS="250" VPOS="1906" ID="st7-442"/><SP/><String HEIGHT="19" CONTENT="party" WIDTH="43" HPOS="288" VPOS="1906" ID="st7-443"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="338" VPOS="1906" ID="st7-444"/><SP/><String HEIGHT="19" CONTENT="an" WIDTH="21" HPOS="362" VPOS="1906" ID="st7-445"/><SP/><String HEIGHT="19" CONTENT="economic" WIDTH="80" HPOS="390" VPOS="1906" ID="st7-446"/><SP/><String HEIGHT="19" CONTENT="transaction" WIDTH="92" HPOS="477" VPOS="1906" ID="st7-447"/><SP/><String HEIGHT="19" CONTENT="possesses" WIDTH="79" HPOS="576" VPOS="1906" ID="st7-448"/><SP/><String HEIGHT="19" CONTENT="greater" WIDTH="59" HPOS="662" VPOS="1906" ID="st7-449"/><SP/><String HEIGHT="19" CONTENT="material" WIDTH="67" HPOS="728" VPOS="1906" ID="st7-450"/></TextLine><TextLine HPOS="196" VPOS="1929" ID="tl7-45" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="knowledge" WIDTH="92" HPOS="196" VPOS="1929" ID="st7-451"/><SP/><String HEIGHT="19" CONTENT="than" WIDTH="38" HPOS="294" VPOS="1929" ID="st7-452"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="337" VPOS="1929" ID="st7-453"/><SP/><String HEIGHT="19" CONTENT="other" WIDTH="44" HPOS="370" VPOS="1929" ID="st7-454"/><SP/><String HEIGHT="19" CONTENT="party" WIDTH="38" HPOS="420" VPOS="1929" ID="st7-455"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="458" VPOS="1929" ID="st7-456"/><SP/><String HEIGHT="19" CONTENT="This" WIDTH="33" HPOS="471" VPOS="1929" ID="st7-457"/><SP/><String HEIGHT="19" CONTENT="normally" WIDTH="71" HPOS="510" VPOS="1929" ID="st7-458"/><SP/><String HEIGHT="19" CONTENT="manifests" WIDTH="78" HPOS="587" VPOS="1929" ID="st7-459"/><SP/><String HEIGHT="19" CONTENT="itself" WIDTH="39" HPOS="671" VPOS="1929" ID="st7-460"/><SP/><String HEIGHT="19" CONTENT="when" WIDTH="46" HPOS="716" VPOS="1929" ID="st7-461"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="768" VPOS="1929" ID="st7-462"/></TextLine><TextLine HPOS="196" VPOS="1953" ID="tl7-46" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="seller" WIDTH="42" HPOS="196" VPOS="1953" ID="st7-463"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="247" VPOS="1953" ID="st7-464"/><SP/><String HEIGHT="18" CONTENT="a" WIDTH="10" HPOS="272" VPOS="1953" ID="st7-465"/><SP/><String HEIGHT="18" CONTENT="good" WIDTH="44" HPOS="290" VPOS="1953" ID="st7-466"/><SP/><String HEIGHT="18" CONTENT="or" WIDTH="17" HPOS="342" VPOS="1953" ID="st7-467"/><SP/><String HEIGHT="18" CONTENT="service" WIDTH="55" HPOS="367" VPOS="1953" ID="st7-468"/><SP/><String HEIGHT="18" CONTENT="has" WIDTH="28" HPOS="431" VPOS="1953" ID="st7-469"/><SP/><String HEIGHT="18" CONTENT="greater" WIDTH="59" HPOS="467" VPOS="1953" ID="st7-470"/><SP/><String HEIGHT="18" CONTENT="knowledge" WIDTH="92" HPOS="534" VPOS="1953" ID="st7-471"/><SP/><String HEIGHT="18" CONTENT="than" WIDTH="37" HPOS="635" VPOS="1953" ID="st7-472"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="681" VPOS="1953" ID="st7-473"/><SP/><String HEIGHT="18" CONTENT="buyer" WIDTH="41" HPOS="716" VPOS="1953" ID="st7-474"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="757" VPOS="1953" ID="st7-475"/><SP/><String HEIGHT="18" CONTENT="al" WIDTH="14" HPOS="774" VPOS="1953" ID="st7-476" SUBS_TYPE="HypPart1" SUBS_CONTENT="although"/><HYP CONTENT="-" WIDTH="7" HPOS="788" VPOS="1953" HEIGHT="18"/></TextLine><TextLine HPOS="196" VPOS="1976" ID="tl7-47" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="though" WIDTH="61" HPOS="196" VPOS="1976" ID="st7-477" SUBS_TYPE="HypPart2" SUBS_CONTENT="although"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="263" VPOS="1976" ID="st7-478"/><SP/><String HEIGHT="19" CONTENT="reverse" WIDTH="58" HPOS="295" VPOS="1976" ID="st7-479"/><SP/><String HEIGHT="19" CONTENT="is" WIDTH="12" HPOS="359" VPOS="1976" ID="st7-480"/><SP/><String HEIGHT="19" CONTENT="also" WIDTH="33" HPOS="376" VPOS="1976" ID="st7-481"/><SP/><String HEIGHT="19" CONTENT="possible" WIDTH="64" HPOS="414" VPOS="1976" ID="st7-482"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="478" VPOS="1976" ID="st7-483"/><SP/><String HEIGHT="19" CONTENT="Asymmetric" WIDTH="98" HPOS="491" VPOS="1976" ID="st7-484"/><SP/><String HEIGHT="19" CONTENT="information" WIDTH="97" HPOS="594" VPOS="1976" ID="st7-485"/><SP/><String HEIGHT="19" CONTENT="may" WIDTH="35" HPOS="697" VPOS="1976" ID="st7-486"/><SP/><String HEIGHT="19" CONTENT="lead" WIDTH="35" HPOS="737" VPOS="1976" ID="st7-487"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="778" VPOS="1976" ID="st7-488"/></TextLine><TextLine HPOS="196" VPOS="1999" ID="tl7-48" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="adverse" WIDTH="63" HPOS="196" VPOS="1999" ID="st7-489"/><SP/><String HEIGHT="19" CONTENT="selection" WIDTH="72" HPOS="265" VPOS="1999" ID="st7-490"/><SP/><String HEIGHT="19" CONTENT="or" WIDTH="17" HPOS="343" VPOS="1999" ID="st7-491"/><SP/><String HEIGHT="19" CONTENT="moral" WIDTH="48" HPOS="366" VPOS="1999" ID="st7-492"/><SP/><String HEIGHT="19" CONTENT="hazard" WIDTH="52" HPOS="420" VPOS="1999" ID="st7-493"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="472" VPOS="1999" ID="st7-494"/><SP/><String HEIGHT="19" CONTENT="which" WIDTH="49" HPOS="487" VPOS="1999" ID="st7-495"/><SP/><String HEIGHT="19" CONTENT="are" WIDTH="26" HPOS="542" VPOS="1999" ID="st7-496"/><SP/><String HEIGHT="19" CONTENT="situations" WIDTH="79" HPOS="574" VPOS="1999" ID="st7-497"/><SP/><String HEIGHT="19" CONTENT="where" WIDTH="51" HPOS="659" VPOS="1999" ID="st7-498"/><SP/><String HEIGHT="19" CONTENT="individual" WIDTH="79" HPOS="716" VPOS="1999" ID="st7-499"/></TextLine><TextLine HPOS="196" VPOS="2023" ID="tl7-49" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="economic" WIDTH="80" HPOS="196" VPOS="2023" ID="st7-500"/><SP/><String HEIGHT="18" CONTENT="decisions" WIDTH="74" HPOS="282" VPOS="2023" ID="st7-501"/><SP/><String HEIGHT="18" CONTENT="are" WIDTH="25" HPOS="362" VPOS="2023" ID="st7-502"/><SP/><String HEIGHT="18" CONTENT="hypothetically" WIDTH="114" HPOS="393" VPOS="2023" ID="st7-503"/><SP/><String HEIGHT="18" CONTENT="worse" WIDTH="49" HPOS="513" VPOS="2023" ID="st7-504"/><SP/><String HEIGHT="18" CONTENT="than" WIDTH="38" HPOS="568" VPOS="2023" ID="st7-505"/><SP/><String HEIGHT="18" CONTENT="they" WIDTH="36" HPOS="611" VPOS="2023" ID="st7-506"/><SP/><String HEIGHT="18" CONTENT="would" WIDTH="52" HPOS="652" VPOS="2023" ID="st7-507"/><SP/><String HEIGHT="18" CONTENT="have" WIDTH="39" HPOS="709" VPOS="2023" ID="st7-508"/><SP/><String HEIGHT="18" CONTENT="been" WIDTH="41" HPOS="754" VPOS="2023" ID="st7-509"/></TextLine><TextLine HPOS="196" VPOS="2046" ID="tl7-50" WIDTH="469" HEIGHT="19"><String HEIGHT="19" CONTENT="had" WIDTH="32" HPOS="196" VPOS="2046" ID="st7-510"/><SP/><String HEIGHT="19" CONTENT="all" WIDTH="18" HPOS="233" VPOS="2046" ID="st7-511"/><SP/><String HEIGHT="19" CONTENT="parties" WIDTH="52" HPOS="257" VPOS="2046" ID="st7-512"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="309" VPOS="2046" ID="st7-513"/><SP/><String HEIGHT="19" CONTENT="possessed" WIDTH="82" HPOS="323" VPOS="2046" ID="st7-514"/><SP/><String HEIGHT="19" CONTENT="more" WIDTH="43" HPOS="410" VPOS="2046" ID="st7-515"/><SP/><String HEIGHT="19" CONTENT="symmetrical" WIDTH="98" HPOS="459" VPOS="2046" ID="st7-516"/><SP/><String HEIGHT="19" CONTENT="information" WIDTH="94" HPOS="562" VPOS="2046" ID="st7-517"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="656" VPOS="2046" ID="st7-518"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl7-51" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="several" WIDTH="72" HPOS="858" VPOS="776" ID="st7-519"/><SP/><String HEIGHT="24" CONTENT="common" WIDTH="95" HPOS="941" VPOS="776" ID="st7-520"/><SP/><String HEIGHT="24" CONTENT="characteristics" WIDTH="147" HPOS="1047" VPOS="776" ID="st7-521"/><String HEIGHT="24" CONTENT=":" WIDTH="10" HPOS="1194" VPOS="776" ID="st7-522"/><SP/><String HEIGHT="24" CONTENT="lax" WIDTH="29" HPOS="1215" VPOS="776" ID="st7-523"/><SP/><String HEIGHT="24" CONTENT="lending" WIDTH="80" HPOS="1255" VPOS="776" ID="st7-524"/><SP/><String HEIGHT="24" CONTENT="standards" WIDTH="99" HPOS="1346" VPOS="776" ID="st7-525"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="776" ID="st7-526"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl7-52" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="858" VPOS="813" ID="st7-527"/><SP/><String HEIGHT="23" CONTENT="greater" WIDTH="77" HPOS="884" VPOS="813" ID="st7-528"/><SP/><String HEIGHT="23" CONTENT="tendency" WIDTH="98" HPOS="975" VPOS="813" ID="st7-529"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1088" VPOS="813" ID="st7-530"/><SP/><String HEIGHT="23" CONTENT="securitize" WIDTH="97" HPOS="1124" VPOS="813" ID="st7-531"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1221" VPOS="813" ID="st7-532"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="1245" VPOS="813" ID="st7-533"/><SP/><String HEIGHT="23" CONTENT="faster" WIDTH="66" HPOS="1300" VPOS="813" ID="st7-534"/><String HEIGHT="23" CONTENT="-" WIDTH="12" HPOS="1366" VPOS="813" ID="st7-535"/><String HEIGHT="23" CONTENT="growing" WIDTH="78" HPOS="1378" VPOS="813" ID="st7-536"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl7-53" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="mortgage" WIDTH="105" HPOS="858" VPOS="849" ID="st7-537"/><SP/><String HEIGHT="23" CONTENT="loan" WIDTH="46" HPOS="983" VPOS="849" ID="st7-538"/><SP/><String HEIGHT="23" CONTENT="portfolios" WIDTH="104" HPOS="1048" VPOS="849" ID="st7-539"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="48" HPOS="1171" VPOS="849" ID="st7-540"/><SP/><String HEIGHT="23" CONTENT="higher" WIDTH="69" HPOS="1238" VPOS="849" ID="st7-541"/><SP/><String HEIGHT="23" CONTENT="delinquency" WIDTH="130" HPOS="1326" VPOS="849" ID="st7-542"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl7-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="rates" WIDTH="56" HPOS="858" VPOS="885" ID="st7-543"/><String HEIGHT="24" CONTENT="—" WIDTH="11" HPOS="914" VPOS="885" ID="st7-544"/><String HEIGHT="24" CONTENT="indicating" WIDTH="113" HPOS="925" VPOS="885" ID="st7-545"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1044" VPOS="885" ID="st7-546"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1093" VPOS="885" ID="st7-547"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="1134" VPOS="885" ID="st7-548"/><SP/><String HEIGHT="24" CONTENT="lobbying" WIDTH="92" HPOS="1193" VPOS="885" ID="st7-549"/><SP/><String HEIGHT="24" CONTENT="before" WIDTH="69" HPOS="1291" VPOS="885" ID="st7-550"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1366" VPOS="885" ID="st7-551"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="50" HPOS="1406" VPOS="885" ID="st7-552"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl7-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="did" WIDTH="33" HPOS="858" VPOS="921" ID="st7-553"/><SP/><String HEIGHT="24" CONTENT="so" WIDTH="24" HPOS="901" VPOS="921" ID="st7-554"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="935" VPOS="921" ID="st7-555"/><SP/><String HEIGHT="24" CONTENT="obtain" WIDTH="68" HPOS="967" VPOS="921" ID="st7-556"/><SP/><String HEIGHT="24" CONTENT="private" WIDTH="72" HPOS="1045" VPOS="921" ID="st7-557"/><SP/><String HEIGHT="24" CONTENT="benefits" WIDTH="85" HPOS="1127" VPOS="921" ID="st7-558"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1222" VPOS="921" ID="st7-559"/><String HEIGHT="24" CONTENT="Igan" WIDTH="40" HPOS="1232" VPOS="921" ID="st7-560"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1272" VPOS="921" ID="st7-561"/><SP/><String HEIGHT="24" CONTENT="2009" WIDTH="46" HPOS="1292" VPOS="921" ID="st7-562"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1338" VPOS="921" ID="st7-563"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1349" VPOS="921" ID="st7-564"/><SP/><String HEIGHT="24" CONTENT="Industry" WIDTH="85" HPOS="1371" VPOS="921" ID="st7-565"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl7-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="lobbying" WIDTH="91" HPOS="858" VPOS="957" ID="st7-566"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="69" HPOS="957" VPOS="957" ID="st7-567"/><SP/><String HEIGHT="24" CONTENT="consistently" WIDTH="124" HPOS="1033" VPOS="957" ID="st7-568"/><SP/><String HEIGHT="24" CONTENT="undermine" WIDTH="116" HPOS="1164" VPOS="957" ID="st7-569"/><SP/><String HEIGHT="24" CONTENT="state" WIDTH="52" HPOS="1287" VPOS="957" ID="st7-570"/><SP/><String HEIGHT="24" CONTENT="policies" WIDTH="78" HPOS="1346" VPOS="957" ID="st7-571"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1431" VPOS="957" ID="st7-572"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl7-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="supporting" WIDTH="115" HPOS="858" VPOS="993" ID="st7-573"/><SP/><String HEIGHT="24" CONTENT="federal" WIDTH="74" HPOS="979" VPOS="993" ID="st7-574"/><SP/><String HEIGHT="24" CONTENT="action" WIDTH="66" HPOS="1058" VPOS="993" ID="st7-575"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1129" VPOS="993" ID="st7-576"/><SP/><String HEIGHT="24" CONTENT="encourage" WIDTH="113" HPOS="1157" VPOS="993" ID="st7-577"/><SP/><String HEIGHT="24" CONTENT="deregulation" WIDTH="134" HPOS="1276" VPOS="993" ID="st7-578"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="993" ID="st7-579"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl7-58" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="avoid" WIDTH="57" HPOS="858" VPOS="1029" ID="st7-580"/><SP/><String HEIGHT="24" CONTENT="oversight" WIDTH="93" HPOS="923" VPOS="1029" ID="st7-581"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1016" VPOS="1029" ID="st7-582"/><SP/><String HEIGHT="24" CONTENT="while" WIDTH="57" HPOS="1035" VPOS="1029" ID="st7-583"/><SP/><String HEIGHT="24" CONTENT="making" WIDTH="79" HPOS="1100" VPOS="1029" ID="st7-584"/><SP/><String HEIGHT="24" CONTENT="nearly" WIDTH="63" HPOS="1188" VPOS="1029" ID="st7-585"/><SP/><String HEIGHT="24" CONTENT="unrestricted" WIDTH="126" HPOS="1260" VPOS="1029" ID="st7-586"/><SP/><String HEIGHT="24" CONTENT="finan" WIDTH="52" HPOS="1394" VPOS="1029" ID="st7-587" SUBS_TYPE="HypPart1" SUBS_CONTENT="financial"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1029" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl7-59" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="cial" WIDTH="34" HPOS="858" VPOS="1065" ID="st7-588" SUBS_TYPE="HypPart2" SUBS_CONTENT="financial"/><SP/><String HEIGHT="24" CONTENT="contributions" WIDTH="140" HPOS="903" VPOS="1065" ID="st7-589"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1054" VPOS="1065" ID="st7-590"/><SP/><String HEIGHT="24" CONTENT="electoral" WIDTH="90" HPOS="1086" VPOS="1065" ID="st7-591"/><SP/><String HEIGHT="24" CONTENT="campaigns" WIDTH="114" HPOS="1187" VPOS="1065" ID="st7-592"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1311" VPOS="1065" ID="st7-593"/><String HEIGHT="24" CONTENT="Johnson" WIDTH="84" HPOS="1322" VPOS="1065" ID="st7-594"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1065" ID="st7-595"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl7-60" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Kwak" WIDTH="52" HPOS="858" VPOS="1101" ID="st7-596"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="910" VPOS="1101" ID="st7-597"/><SP/><String HEIGHT="24" CONTENT="2010" WIDTH="46" HPOS="932" VPOS="1101" ID="st7-598"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="978" VPOS="1101" ID="st7-599"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="989" VPOS="1101" ID="st7-600"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="1009" VPOS="1101" ID="st7-601"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="1036" VPOS="1101" ID="st7-602"/><SP/><String HEIGHT="24" CONTENT="context" WIDTH="75" HPOS="1081" VPOS="1101" ID="st7-603"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1156" VPOS="1101" ID="st7-604"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="108" HPOS="1174" VPOS="1101" ID="st7-605"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1290" VPOS="1101" ID="st7-606"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="65" HPOS="1348" VPOS="1101" ID="st7-607"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1421" VPOS="1101" ID="st7-608"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1444" VPOS="1101" ID="st7-609"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl7-61" WIDTH="590" HEIGHT="23"><String HEIGHT="23" CONTENT="way" WIDTH="43" HPOS="858" VPOS="1138" ID="st7-610"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="908" VPOS="1138" ID="st7-611"/><SP/><String HEIGHT="23" CONTENT="counterbalancing" WIDTH="185" HPOS="937" VPOS="1138" ID="st7-612"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1129" VPOS="1138" ID="st7-613"/><SP/><String HEIGHT="23" CONTENT="political" WIDTH="82" HPOS="1170" VPOS="1138" ID="st7-614"/><SP/><String HEIGHT="23" CONTENT="power" WIDTH="68" HPOS="1259" VPOS="1138" ID="st7-615"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1334" VPOS="1138" ID="st7-616"/><SP/><String HEIGHT="23" CONTENT="finance" WIDTH="74" HPOS="1363" VPOS="1138" ID="st7-617"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1437" VPOS="1138" ID="st7-618"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl7-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="A" WIDTH="16" HPOS="858" VPOS="1210" ID="st7-619"/><SP/><String HEIGHT="24" CONTENT="series" WIDTH="58" HPOS="884" VPOS="1210" ID="st7-620"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="952" VPOS="1210" ID="st7-621"/><SP/><String HEIGHT="24" CONTENT="major" WIDTH="61" HPOS="984" VPOS="1210" ID="st7-622"/><SP/><String HEIGHT="24" CONTENT="deregulatory" WIDTH="135" HPOS="1054" VPOS="1210" ID="st7-623"/><SP/><String HEIGHT="24" CONTENT="changes" WIDTH="88" HPOS="1198" VPOS="1210" ID="st7-624"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1295" VPOS="1210" ID="st7-625"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1325" VPOS="1210" ID="st7-626"/><SP/><String HEIGHT="24" CONTENT="last" WIDTH="36" HPOS="1369" VPOS="1210" ID="st7-627"/><SP/><String HEIGHT="24" CONTENT="two" WIDTH="41" HPOS="1415" VPOS="1210" ID="st7-628"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl7-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="decades" WIDTH="86" HPOS="858" VPOS="1246" ID="st7-629"/><SP/><String HEIGHT="24" CONTENT="demonstrates" WIDTH="144" HPOS="950" VPOS="1246" ID="st7-630"/><SP/><String HEIGHT="24" CONTENT="how" WIDTH="47" HPOS="1100" VPOS="1246" ID="st7-631"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="1153" VPOS="1246" ID="st7-632"/><SP/><String HEIGHT="24" CONTENT="intersection" WIDTH="124" HPOS="1196" VPOS="1246" ID="st7-633"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1325" VPOS="1246" ID="st7-634"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="103" HPOS="1353" VPOS="1246" ID="st7-635"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl7-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1282" ID="st7-636"/><SP/><String HEIGHT="24" CONTENT="political" WIDTH="82" HPOS="907" VPOS="1282" ID="st7-637"/><SP/><String HEIGHT="24" CONTENT="influence" WIDTH="97" HPOS="998" VPOS="1282" ID="st7-638"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1104" VPOS="1282" ID="st7-639"/><SP/><String HEIGHT="24" CONTENT="led" WIDTH="32" HPOS="1149" VPOS="1282" ID="st7-640"/><SP/><String HEIGHT="24" CONTENT="deregulation" WIDTH="134" HPOS="1190" VPOS="1282" ID="st7-641"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1333" VPOS="1282" ID="st7-642"/><SP/><String HEIGHT="24" CONTENT="turned" WIDTH="71" HPOS="1385" VPOS="1282" ID="st7-643"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl7-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="out" WIDTH="36" HPOS="858" VPOS="1318" ID="st7-644"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="907" VPOS="1318" ID="st7-645"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="943" VPOS="1318" ID="st7-646"/><SP/><String HEIGHT="24" CONTENT="harmful" WIDTH="84" HPOS="983" VPOS="1318" ID="st7-647"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1080" VPOS="1318" ID="st7-648"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="90" HPOS="1115" VPOS="1318" ID="st7-649"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="77" HPOS="1218" VPOS="1318" ID="st7-650"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1295" VPOS="1318" ID="st7-651"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="72" HPOS="1317" VPOS="1318" ID="st7-652"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1389" VPOS="1318" ID="st7-653"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1318" ID="st7-654"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl7-66" WIDTH="419" HEIGHT="24"><String HEIGHT="24" CONTENT="shareholder" WIDTH="124" HPOS="858" VPOS="1354" ID="st7-655"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="52" HPOS="989" VPOS="1354" ID="st7-656"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1041" VPOS="1354" ID="st7-657"/><SP/><String HEIGHT="24" CONTENT="among" WIDTH="75" HPOS="1059" VPOS="1354" ID="st7-658"/><SP/><String HEIGHT="24" CONTENT="other" WIDTH="57" HPOS="1141" VPOS="1354" ID="st7-659"/><SP/><String HEIGHT="24" CONTENT="things" WIDTH="61" HPOS="1205" VPOS="1354" ID="st7-660"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1266" VPOS="1354" ID="st7-661"/></TextLine><TextLine HPOS="858" VPOS="1461" ID="tl7-67" WIDTH="526" HEIGHT="26"><String HEIGHT="26" CONTENT="The" WIDTH="43" HPOS="858" VPOS="1461" ID="st7-662"/><SP/><String HEIGHT="26" CONTENT="Repeal" WIDTH="78" HPOS="909" VPOS="1461" ID="st7-663"/><SP/><String HEIGHT="26" CONTENT="of" WIDTH="25" HPOS="995" VPOS="1461" ID="st7-664"/><SP/><String HEIGHT="26" CONTENT="the" WIDTH="38" HPOS="1028" VPOS="1461" ID="st7-665"/><SP/><String HEIGHT="26" CONTENT="Glass" WIDTH="58" HPOS="1074" VPOS="1461" ID="st7-666"/><String HEIGHT="26" CONTENT="-" WIDTH="11" HPOS="1132" VPOS="1461" ID="st7-667"/><String HEIGHT="26" CONTENT="Steagall" WIDTH="94" HPOS="1143" VPOS="1461" ID="st7-668"/><SP/><String HEIGHT="26" CONTENT="Act" WIDTH="40" HPOS="1245" VPOS="1461" ID="st7-669"/><SP/><String HEIGHT="26" CONTENT="in" WIDTH="22" HPOS="1293" VPOS="1461" ID="st7-670"/><SP/><String HEIGHT="26" CONTENT="1999" WIDTH="62" HPOS="1322" VPOS="1461" ID="st7-671"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl7-68" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1535" ID="st7-672"/><SP/><String HEIGHT="24" CONTENT="Glass" WIDTH="52" HPOS="905" VPOS="1535" ID="st7-673"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="957" VPOS="1535" ID="st7-674"/><String HEIGHT="24" CONTENT="Steagall" WIDTH="84" HPOS="968" VPOS="1535" ID="st7-675"/><SP/><String HEIGHT="24" CONTENT="Act" WIDTH="36" HPOS="1061" VPOS="1535" ID="st7-676"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="1105" VPOS="1535" ID="st7-677"/><SP/><String HEIGHT="24" CONTENT="passed" WIDTH="73" HPOS="1155" VPOS="1535" ID="st7-678"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1236" VPOS="1535" ID="st7-679"/><SP/><String HEIGHT="24" CONTENT="1933" WIDTH="56" HPOS="1264" VPOS="1535" ID="st7-680"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1328" VPOS="1535" ID="st7-681"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1356" VPOS="1535" ID="st7-682"/><SP/><String HEIGHT="24" CONTENT="wake" WIDTH="57" HPOS="1399" VPOS="1535" ID="st7-683"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl7-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1571" ID="st7-684"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="887" VPOS="1571" ID="st7-685"/><SP/><String HEIGHT="24" CONTENT="Great" WIDTH="60" HPOS="928" VPOS="1571" ID="st7-686"/><SP/><String HEIGHT="24" CONTENT="Depression" WIDTH="111" HPOS="995" VPOS="1571" ID="st7-687"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1106" VPOS="1571" ID="st7-688"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1125" VPOS="1571" ID="st7-689"/><SP/><String HEIGHT="24" CONTENT="primary" WIDTH="81" HPOS="1170" VPOS="1571" ID="st7-690"/><SP/><String HEIGHT="24" CONTENT="function" WIDTH="89" HPOS="1258" VPOS="1571" ID="st7-691"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1354" VPOS="1571" ID="st7-692"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1383" VPOS="1571" ID="st7-693"/><SP/><String HEIGHT="24" CONTENT="act" WIDTH="32" HPOS="1424" VPOS="1571" ID="st7-694"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl7-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="was" WIDTH="41" HPOS="858" VPOS="1607" ID="st7-695"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="910" VPOS="1607" ID="st7-696"/><SP/><String HEIGHT="24" CONTENT="separate" WIDTH="91" HPOS="942" VPOS="1607" ID="st7-697"/><SP/><String HEIGHT="24" CONTENT="commercial" WIDTH="122" HPOS="1043" VPOS="1607" ID="st7-698"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="1175" VPOS="1607" ID="st7-699"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="1271" VPOS="1607" ID="st7-700"/><String HEIGHT="24" CONTENT="federally" WIDTH="89" HPOS="1280" VPOS="1607" ID="st7-701"/><SP/><String HEIGHT="24" CONTENT="insured" WIDTH="77" HPOS="1379" VPOS="1607" ID="st7-702"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl7-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="depository" WIDTH="110" HPOS="858" VPOS="1643" ID="st7-703"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="113" HPOS="974" VPOS="1643" ID="st7-704"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="1087" VPOS="1643" ID="st7-705"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1102" VPOS="1643" ID="st7-706"/><SP/><String HEIGHT="24" CONTENT="investment" WIDTH="116" HPOS="1148" VPOS="1643" ID="st7-707"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="1269" VPOS="1643" ID="st7-708"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="1360" VPOS="1643" ID="st7-709"/><String HEIGHT="24" CONTENT="financial" WIDTH="87" HPOS="1369" VPOS="1643" ID="st7-710"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl7-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="institutions" WIDTH="116" HPOS="858" VPOS="1679" ID="st7-711"/><SP/><String HEIGHT="24" CONTENT="engaged" WIDTH="93" HPOS="985" VPOS="1679" ID="st7-712"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1089" VPOS="1679" ID="st7-713"/><SP/><String HEIGHT="24" CONTENT="speculative" WIDTH="117" HPOS="1119" VPOS="1679" ID="st7-714"/><SP/><String HEIGHT="24" CONTENT="investing" WIDTH="90" HPOS="1247" VPOS="1679" ID="st7-715"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1337" VPOS="1679" ID="st7-716"/><SP/><String HEIGHT="24" CONTENT="including" WIDTH="97" HPOS="1359" VPOS="1679" ID="st7-717"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl7-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="858" VPOS="1715" ID="st7-718"/><SP/><String HEIGHT="24" CONTENT="trading" WIDTH="77" HPOS="921" VPOS="1715" ID="st7-719"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="1009" VPOS="1715" ID="st7-720"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1047" VPOS="1715" ID="st7-721"/><SP/><String HEIGHT="24" CONTENT="own" WIDTH="47" HPOS="1107" VPOS="1715" ID="st7-722"/><SP/><String HEIGHT="24" CONTENT="account" WIDTH="77" HPOS="1165" VPOS="1715" ID="st7-723"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1242" VPOS="1715" ID="st7-724"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1253" VPOS="1715" ID="st7-725"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="41" HPOS="1275" VPOS="1715" ID="st7-726"/><SP/><String HEIGHT="24" CONTENT="system" WIDTH="72" HPOS="1327" VPOS="1715" ID="st7-727"/><SP/><String HEIGHT="24" CONTENT="sup" WIDTH="35" HPOS="1410" VPOS="1715" ID="st7-728" SUBS_TYPE="HypPart1" SUBS_CONTENT="supported"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="1715" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl7-74" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ported" WIDTH="71" HPOS="858" VPOS="1751" ID="st7-729" SUBS_TYPE="HypPart2" SUBS_CONTENT="supported"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="938" VPOS="1751" ID="st7-730"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="80" HPOS="1036" VPOS="1751" ID="st7-731"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1126" VPOS="1751" ID="st7-732"/><SP/><String HEIGHT="24" CONTENT="promoted" WIDTH="105" HPOS="1175" VPOS="1751" ID="st7-733"/><SP/><String HEIGHT="24" CONTENT="access" WIDTH="66" HPOS="1290" VPOS="1751" ID="st7-734"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1365" VPOS="1751" ID="st7-735"/><SP/><String HEIGHT="24" CONTENT="credit" WIDTH="59" HPOS="1397" VPOS="1751" ID="st7-736"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl7-75" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="for" WIDTH="30" HPOS="858" VPOS="1788" ID="st7-737"/><SP/><String HEIGHT="23" CONTENT="operating" WIDTH="103" HPOS="895" VPOS="1788" ID="st7-738"/><SP/><String HEIGHT="23" CONTENT="businesses" WIDTH="111" HPOS="1005" VPOS="1788" ID="st7-739"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="1123" VPOS="1788" ID="st7-740"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1161" VPOS="1788" ID="st7-741"/><SP/><String HEIGHT="23" CONTENT="better" WIDTH="64" HPOS="1203" VPOS="1788" ID="st7-742"/><SP/><String HEIGHT="23" CONTENT="part" WIDTH="43" HPOS="1274" VPOS="1788" ID="st7-743"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1324" VPOS="1788" ID="st7-744"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="1353" VPOS="1788" ID="st7-745"/><SP/><String HEIGHT="23" CONTENT="century" WIDTH="73" HPOS="1372" VPOS="1788" ID="st7-746"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1445" VPOS="1788" ID="st7-747"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl7-76" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="Beginning" WIDTH="107" HPOS="858" VPOS="1824" ID="st7-748"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="977" VPOS="1824" ID="st7-749"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1009" VPOS="1824" ID="st7-750"/><SP/><String HEIGHT="23" CONTENT="1980s" WIDTH="60" HPOS="1056" VPOS="1824" ID="st7-751"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1116" VPOS="1824" ID="st7-752"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1140" VPOS="1824" ID="st7-753"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1187" VPOS="1824" ID="st7-754"/><SP/><String HEIGHT="23" CONTENT="sector" WIDTH="65" HPOS="1288" VPOS="1824" ID="st7-755"/><SP/><String HEIGHT="23" CONTENT="began" WIDTH="67" HPOS="1364" VPOS="1824" ID="st7-756"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="1443" VPOS="1824" ID="st7-757"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl7-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="sustained" WIDTH="100" HPOS="858" VPOS="1860" ID="st7-758"/><SP/><String HEIGHT="24" CONTENT="boom" WIDTH="62" HPOS="965" VPOS="1860" ID="st7-759"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1035" VPOS="1860" ID="st7-760"/><SP/><String HEIGHT="24" CONTENT="grew" WIDTH="54" HPOS="1082" VPOS="1860" ID="st7-761"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1143" VPOS="1860" ID="st7-762"/><SP/><String HEIGHT="24" CONTENT="16" WIDTH="28" HPOS="1201" VPOS="1860" ID="st7-763"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="1236" VPOS="1860" ID="st7-764"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="1278" VPOS="1860" ID="st7-765"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1331" VPOS="1860" ID="st7-766"/><SP/><String HEIGHT="24" CONTENT="domestic" WIDTH="96" HPOS="1360" VPOS="1860" ID="st7-767"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl7-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="corporate" WIDTH="103" HPOS="858" VPOS="1896" ID="st7-768"/><SP/><String HEIGHT="24" CONTENT="profits" WIDTH="67" HPOS="972" VPOS="1896" ID="st7-769"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1051" VPOS="1896" ID="st7-770"/><SP/><String HEIGHT="24" CONTENT="41" WIDTH="28" HPOS="1084" VPOS="1896" ID="st7-771"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="1123" VPOS="1896" ID="st7-772"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="1169" VPOS="1896" ID="st7-773"/><SP/><String HEIGHT="24" CONTENT="just" WIDTH="37" HPOS="1226" VPOS="1896" ID="st7-774"/><SP/><String HEIGHT="24" CONTENT="before" WIDTH="70" HPOS="1274" VPOS="1896" ID="st7-775"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1355" VPOS="1896" ID="st7-776"/><SP/><String HEIGHT="24" CONTENT="crash" WIDTH="55" HPOS="1401" VPOS="1896" ID="st7-777"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl7-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="858" VPOS="1932" ID="st7-778"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="56" HPOS="885" VPOS="1932" ID="st7-779"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="948" VPOS="1932" ID="st7-780"/><String HEIGHT="24" CONTENT="Johnson" WIDTH="79" HPOS="959" VPOS="1932" ID="st7-781"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1038" VPOS="1932" ID="st7-782"/><SP/><String HEIGHT="24" CONTENT="2009" WIDTH="46" HPOS="1058" VPOS="1932" ID="st7-783"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1104" VPOS="1932" ID="st7-784"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1115" VPOS="1932" ID="st7-785"/><SP/><String HEIGHT="24" CONTENT="With" WIDTH="52" HPOS="1135" VPOS="1932" ID="st7-786"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="1194" VPOS="1932" ID="st7-787"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="72" HPOS="1240" VPOS="1932" ID="st7-788"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1312" VPOS="1932" ID="st7-789"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1332" VPOS="1932" ID="st7-790"/><SP/><String HEIGHT="24" CONTENT="political" WIDTH="82" HPOS="1374" VPOS="1932" ID="st7-791"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl7-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="power" WIDTH="68" HPOS="858" VPOS="1968" ID="st7-792"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="933" VPOS="1968" ID="st7-793"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="980" VPOS="1968" ID="st7-794"/><SP/><String HEIGHT="24" CONTENT="appetite" WIDTH="87" HPOS="1023" VPOS="1968" ID="st7-795"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1117" VPOS="1968" ID="st7-796"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1146" VPOS="1968" ID="st7-797"/><SP/><String HEIGHT="24" CONTENT="industry" WIDTH="85" HPOS="1188" VPOS="1968" ID="st7-798"/><SP/><String HEIGHT="24" CONTENT="expanded" WIDTH="104" HPOS="1280" VPOS="1968" ID="st7-799"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1391" VPOS="1968" ID="st7-800"/><String HEIGHT="24" CONTENT="John" WIDTH="44" HPOS="1401" VPOS="1968" ID="st7-801" SUBS_TYPE="HypPart1" SUBS_CONTENT="Johnson"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="1968" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl7-81" WIDTH="121" HEIGHT="24"><String HEIGHT="24" CONTENT="son" WIDTH="33" HPOS="858" VPOS="2004" ID="st7-802" SUBS_TYPE="HypPart2" SUBS_CONTENT="Johnson"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="891" VPOS="2004" ID="st7-803"/><SP/><String HEIGHT="24" CONTENT="2009" WIDTH="46" HPOS="909" VPOS="2004" ID="st7-804"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="955" VPOS="2004" ID="st7-805"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="967" VPOS="2004" ID="st7-806"/></TextLine><TextLine HPOS="818" VPOS="2254" ID="tl7-82" WIDTH="16" HEIGHT="28"><String HEIGHT="28" CONTENT="6" WIDTH="16" HPOS="818" VPOS="2254" ID="st7-807"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="8" ID="p840447" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840447" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840447" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl8-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st8-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st8-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st8-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st8-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st8-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st8-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st8-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st8-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st8-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st8-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st8-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st8-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st8-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st8-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st8-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st8-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st8-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st8-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st8-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl8-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Over" WIDTH="50" HPOS="196" VPOS="307" ID="st8-19"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="251" VPOS="307" ID="st8-20"/><SP/><String HEIGHT="24" CONTENT="period" WIDTH="64" HPOS="299" VPOS="307" ID="st8-21"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="363" VPOS="307" ID="st8-22"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="379" VPOS="307" ID="st8-23"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="418" VPOS="307" ID="st8-24"/><SP/><String HEIGHT="24" CONTENT="industry" WIDTH="84" HPOS="512" VPOS="307" ID="st8-25"/><SP/><String HEIGHT="24" CONTENT="launched" WIDTH="97" HPOS="601" VPOS="307" ID="st8-26"/><SP/><String HEIGHT="24" CONTENT="intensive" WIDTH="92" HPOS="703" VPOS="307" ID="st8-27"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl8-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="lobbying" WIDTH="93" HPOS="196" VPOS="343" ID="st8-28"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="66" HPOS="300" VPOS="343" ID="st8-29"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="366" VPOS="343" ID="st8-30"/><SP/><String HEIGHT="24" CONTENT="leveraging" WIDTH="110" HPOS="388" VPOS="343" ID="st8-31"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="509" VPOS="343" ID="st8-32"/><SP/><String HEIGHT="24" CONTENT="revolving" WIDTH="96" HPOS="533" VPOS="343" ID="st8-33"/><SP/><String HEIGHT="24" CONTENT="door" WIDTH="50" HPOS="640" VPOS="343" ID="st8-34"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="93" HPOS="702" VPOS="343" ID="st8-35"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl8-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="196" VPOS="379" ID="st8-36"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="265" VPOS="379" ID="st8-37"/><SP/><String HEIGHT="24" CONTENT="key" WIDTH="36" HPOS="311" VPOS="379" ID="st8-38"/><SP/><String HEIGHT="24" CONTENT="government" WIDTH="130" HPOS="353" VPOS="379" ID="st8-39"/><SP/><String HEIGHT="24" CONTENT="posts" WIDTH="55" HPOS="489" VPOS="379" ID="st8-40"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="550" VPOS="379" ID="st8-41"/><SP/><String HEIGHT="24" CONTENT="growing" WIDTH="89" HPOS="596" VPOS="379" ID="st8-42"/><SP/><String HEIGHT="24" CONTENT="campaign" WIDTH="104" HPOS="691" VPOS="379" ID="st8-43"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl8-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="contributions" WIDTH="142" HPOS="196" VPOS="415" ID="st8-44"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="355" VPOS="415" ID="st8-45"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="394" VPOS="415" ID="st8-46"/><SP/><String HEIGHT="24" CONTENT="major" WIDTH="62" HPOS="461" VPOS="415" ID="st8-47"/><SP/><String HEIGHT="24" CONTENT="parties" WIDTH="69" HPOS="539" VPOS="415" ID="st8-48"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="608" VPOS="415" ID="st8-49"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="635" VPOS="415" ID="st8-50"/><SP/><String HEIGHT="24" CONTENT="trajectory" WIDTH="102" HPOS="693" VPOS="415" ID="st8-51"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl8-5" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="culminated" WIDTH="118" HPOS="196" VPOS="451" ID="st8-52"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="321" VPOS="451" ID="st8-53"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="346" VPOS="451" ID="st8-54"/><SP/><String HEIGHT="24" CONTENT="merger" WIDTH="76" HPOS="387" VPOS="451" ID="st8-55"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="470" VPOS="451" ID="st8-56"/><SP/><String HEIGHT="24" CONTENT="Citibank" WIDTH="89" HPOS="498" VPOS="451" ID="st8-57"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="593" VPOS="451" ID="st8-58"/><SP/><String HEIGHT="24" CONTENT="Travelers" WIDTH="90" HPOS="640" VPOS="451" ID="st8-59"/><SP/><String HEIGHT="24" CONTENT="Insur" WIDTH="49" HPOS="737" VPOS="451" ID="st8-60" SUBS_TYPE="HypPart1" SUBS_CONTENT="Insurance"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="451" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl8-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="ance" WIDTH="50" HPOS="196" VPOS="488" ID="st8-61" SUBS_TYPE="HypPart2" SUBS_CONTENT="Insurance"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="254" VPOS="488" ID="st8-62"/><SP/><String HEIGHT="23" CONTENT="1998" WIDTH="49" HPOS="281" VPOS="488" ID="st8-63"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="330" VPOS="488" ID="st8-64"/><SP/><String HEIGHT="23" CONTENT="The" WIDTH="38" HPOS="351" VPOS="488" ID="st8-65"/><SP/><String HEIGHT="23" CONTENT="law" WIDTH="37" HPOS="397" VPOS="488" ID="st8-66"/><SP/><String HEIGHT="23" CONTENT="at" WIDTH="21" HPOS="442" VPOS="488" ID="st8-67"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="470" VPOS="488" ID="st8-68"/><SP/><String HEIGHT="23" CONTENT="time" WIDTH="47" HPOS="512" VPOS="488" ID="st8-69"/><SP/><String HEIGHT="23" CONTENT="allowed" WIDTH="83" HPOS="567" VPOS="488" ID="st8-70"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="657" VPOS="488" ID="st8-71"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="695" VPOS="488" ID="st8-72"/><SP/><String HEIGHT="23" CONTENT="two" WIDTH="37" HPOS="715" VPOS="488" ID="st8-73"/><String HEIGHT="23" CONTENT="-" WIDTH="13" HPOS="752" VPOS="488" ID="st8-74"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="773" VPOS="488" ID="st8-75"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl8-7" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="five" WIDTH="40" HPOS="196" VPOS="524" ID="st8-76"/><String HEIGHT="23" CONTENT="-" WIDTH="10" HPOS="236" VPOS="524" ID="st8-77"/><String HEIGHT="23" CONTENT="year" WIDTH="41" HPOS="246" VPOS="524" ID="st8-78"/><SP/><String HEIGHT="23" CONTENT="divestiture" WIDTH="109" HPOS="293" VPOS="524" ID="st8-79"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="409" VPOS="524" ID="st8-80"/><SP/><String HEIGHT="23" CONTENT="nonbank" WIDTH="94" HPOS="438" VPOS="524" ID="st8-81"/><SP/><String HEIGHT="23" CONTENT="holdings" WIDTH="90" HPOS="539" VPOS="524" ID="st8-82"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="636" VPOS="524" ID="st8-83"/><SP/><String HEIGHT="23" CONTENT="comply" WIDTH="76" HPOS="665" VPOS="524" ID="st8-84"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="748" VPOS="524" ID="st8-85"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl8-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Glass" WIDTH="50" HPOS="196" VPOS="560" ID="st8-86"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="246" VPOS="560" ID="st8-87"/><String HEIGHT="24" CONTENT="Steagall" WIDTH="80" HPOS="256" VPOS="560" ID="st8-88"/><String HEIGHT="24" CONTENT="’" WIDTH="10" HPOS="336" VPOS="560" ID="st8-89"/><String HEIGHT="24" CONTENT="s" WIDTH="11" HPOS="346" VPOS="560" ID="st8-90"/><SP/><String HEIGHT="24" CONTENT="separation" WIDTH="111" HPOS="362" VPOS="560" ID="st8-91"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="479" VPOS="560" ID="st8-92"/><SP/><String HEIGHT="24" CONTENT="commercial" WIDTH="122" HPOS="506" VPOS="560" ID="st8-93"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="633" VPOS="560" ID="st8-94"/><SP/><String HEIGHT="24" CONTENT="investment" WIDTH="116" HPOS="679" VPOS="560" ID="st8-95"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl8-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="banking" WIDTH="87" HPOS="196" VPOS="596" ID="st8-96"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="290" VPOS="596" ID="st8-97"/><String HEIGHT="24" CONTENT="Martin" WIDTH="63" HPOS="300" VPOS="596" ID="st8-98"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="363" VPOS="596" ID="st8-99"/><SP/><String HEIGHT="24" CONTENT="1998" WIDTH="46" HPOS="381" VPOS="596" ID="st8-100"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="427" VPOS="596" ID="st8-101"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="439" VPOS="596" ID="st8-102"/><SP/><String HEIGHT="24" CONTENT="Rather" WIDTH="69" HPOS="458" VPOS="596" ID="st8-103"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="534" VPOS="596" ID="st8-104"/><SP/><String HEIGHT="24" CONTENT="divesting" WIDTH="90" HPOS="590" VPOS="596" ID="st8-105"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="680" VPOS="596" ID="st8-106"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="699" VPOS="596" ID="st8-107"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="783" VPOS="596" ID="st8-108"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl8-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="then" WIDTH="42" HPOS="196" VPOS="632" ID="st8-109"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="238" VPOS="632" ID="st8-110"/><String HEIGHT="24" CONTENT="Travelers" WIDTH="96" HPOS="248" VPOS="632" ID="st8-111"/><SP/><String HEIGHT="24" CONTENT="CEO" WIDTH="47" HPOS="352" VPOS="632" ID="st8-112"/><SP/><String HEIGHT="24" CONTENT="Sandy" WIDTH="64" HPOS="407" VPOS="632" ID="st8-113"/><SP/><String HEIGHT="24" CONTENT="Weill" WIDTH="52" HPOS="479" VPOS="632" ID="st8-114"/><SP/><String HEIGHT="24" CONTENT="began" WIDTH="67" HPOS="539" VPOS="632" ID="st8-115"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="614" VPOS="632" ID="st8-116"/><SP/><String HEIGHT="24" CONTENT="major" WIDTH="61" HPOS="634" VPOS="632" ID="st8-117"/><SP/><String HEIGHT="24" CONTENT="lobbying" WIDTH="92" HPOS="703" VPOS="632" ID="st8-118"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl8-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="668" ID="st8-119"/><SP/><String HEIGHT="24" CONTENT="public" WIDTH="64" HPOS="241" VPOS="668" ID="st8-120"/><SP/><String HEIGHT="24" CONTENT="relations" WIDTH="89" HPOS="310" VPOS="668" ID="st8-121"/><SP/><String HEIGHT="24" CONTENT="campaign" WIDTH="104" HPOS="404" VPOS="668" ID="st8-122"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="513" VPOS="668" ID="st8-123"/><SP/><String HEIGHT="24" CONTENT="repeal" WIDTH="64" HPOS="540" VPOS="668" ID="st8-124"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="609" VPOS="668" ID="st8-125"/><SP/><String HEIGHT="24" CONTENT="Glass" WIDTH="52" HPOS="649" VPOS="668" ID="st8-126"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="701" VPOS="668" ID="st8-127"/><String HEIGHT="24" CONTENT="Steagall" WIDTH="84" HPOS="711" VPOS="668" ID="st8-128"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl8-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Act" WIDTH="32" HPOS="196" VPOS="704" ID="st8-129"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="228" VPOS="704" ID="st8-130"/><SP/><String HEIGHT="24" CONTENT="Weill" WIDTH="52" HPOS="245" VPOS="704" ID="st8-131"/><SP/><String HEIGHT="24" CONTENT="went" WIDTH="54" HPOS="302" VPOS="704" ID="st8-132"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="361" VPOS="704" ID="st8-133"/><SP/><String HEIGHT="24" CONTENT="Congress" WIDTH="98" HPOS="389" VPOS="704" ID="st8-134"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="492" VPOS="704" ID="st8-135"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="544" VPOS="704" ID="st8-136"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="584" VPOS="704" ID="st8-137"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="671" VPOS="704" ID="st8-138"/><SP/><String HEIGHT="24" CONTENT="President" WIDTH="96" HPOS="699" VPOS="704" ID="st8-139"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl8-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Clinton" WIDTH="78" HPOS="196" VPOS="740" ID="st8-140"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="285" VPOS="740" ID="st8-141"/><SP/><String HEIGHT="24" CONTENT="urge" WIDTH="48" HPOS="319" VPOS="740" ID="st8-142"/><SP/><String HEIGHT="24" CONTENT="members" WIDTH="99" HPOS="378" VPOS="740" ID="st8-143"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="488" VPOS="740" ID="st8-144"/><SP/><String HEIGHT="24" CONTENT="act" WIDTH="32" HPOS="521" VPOS="740" ID="st8-145"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="565" VPOS="740" ID="st8-146"/><SP/><String HEIGHT="24" CONTENT="promised" WIDTH="98" HPOS="616" VPOS="740" ID="st8-147"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="725" VPOS="740" ID="st8-148"/><SP/><String HEIGHT="24" CONTENT="new" WIDTH="46" HPOS="749" VPOS="740" ID="st8-149"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl8-14" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="10" HPOS="196" VPOS="776" ID="st8-150"/><String HEIGHT="24" CONTENT="financial" WIDTH="94" HPOS="206" VPOS="776" ID="st8-151"/><SP/><String HEIGHT="24" CONTENT="supermarket" WIDTH="135" HPOS="311" VPOS="776" ID="st8-152"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="446" VPOS="776" ID="st8-153"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="471" VPOS="776" ID="st8-154"/><SP/><String HEIGHT="24" CONTENT="would" WIDTH="67" HPOS="525" VPOS="776" ID="st8-155"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="604" VPOS="776" ID="st8-156"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="642" VPOS="776" ID="st8-157"/><SP/><String HEIGHT="24" CONTENT="efficient" WIDTH="86" HPOS="709" VPOS="776" ID="st8-158"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl8-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="196" VPOS="813" ID="st8-159"/><SP/><String HEIGHT="23" CONTENT="deliver" WIDTH="70" HPOS="245" VPOS="813" ID="st8-160"/><SP/><String HEIGHT="23" CONTENT="better" WIDTH="64" HPOS="323" VPOS="813" ID="st8-161"/><SP/><String HEIGHT="23" CONTENT="prices" WIDTH="61" HPOS="396" VPOS="813" ID="st8-162"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="466" VPOS="813" ID="st8-163"/><SP/><String HEIGHT="23" CONTENT="customer" WIDTH="98" HPOS="515" VPOS="813" ID="st8-164"/><SP/><String HEIGHT="23" CONTENT="­service" WIDTH="69" HPOS="622" VPOS="813" ID="st8-165"/><String HEIGHT="23" CONTENT="." WIDTH="9" HPOS="691" VPOS="813" ID="st8-166"/><SP/><String HEIGHT="23" CONTENT="This" WIDTH="42" HPOS="708" VPOS="813" ID="st8-167"/><SP/><String HEIGHT="23" CONTENT="put" WIDTH="36" HPOS="759" VPOS="813" ID="st8-168"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl8-16" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="legislators" WIDTH="106" HPOS="196" VPOS="849" ID="st8-169"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="311" VPOS="849" ID="st8-170"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="339" VPOS="849" ID="st8-171"/><SP/><String HEIGHT="23" CONTENT="position" WIDTH="85" HPOS="361" VPOS="849" ID="st8-172"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="455" VPOS="849" ID="st8-173"/><SP/><String HEIGHT="23" CONTENT="accede" WIDTH="73" HPOS="486" VPOS="849" ID="st8-174"/><SP/><String HEIGHT="23" CONTENT="or" WIDTH="23" HPOS="568" VPOS="849" ID="st8-175"/><SP/><String HEIGHT="23" CONTENT="force" WIDTH="54" HPOS="599" VPOS="849" ID="st8-176"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="662" VPOS="849" ID="st8-177"/><SP/><String HEIGHT="23" CONTENT="unwind" WIDTH="77" HPOS="706" VPOS="849" ID="st8-178" SUBS_TYPE="HypPart1" SUBS_CONTENT="unwinding"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="849" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl8-17" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ing" WIDTH="34" HPOS="196" VPOS="885" ID="st8-179" SUBS_TYPE="HypPart2" SUBS_CONTENT="unwinding"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="238" VPOS="885" ID="st8-180"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="269" VPOS="885" ID="st8-181"/><SP/><String HEIGHT="24" CONTENT="merger" WIDTH="76" HPOS="313" VPOS="885" ID="st8-182"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="398" VPOS="885" ID="st8-183"/><SP/><String HEIGHT="24" CONTENT="stand" WIDTH="58" HPOS="447" VPOS="885" ID="st8-184"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="514" VPOS="885" ID="st8-185"/><SP/><String HEIGHT="24" CONTENT="opposition" WIDTH="113" HPOS="542" VPOS="885" ID="st8-186"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="663" VPOS="885" ID="st8-187"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="694" VPOS="885" ID="st8-188"/><SP/><String HEIGHT="24" CONTENT="latest" WIDTH="57" HPOS="738" VPOS="885" ID="st8-189"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl8-18" WIDTH="456" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="196" VPOS="921" ID="st8-190"/><SP/><String HEIGHT="24" CONTENT="innovation" WIDTH="113" HPOS="292" VPOS="921" ID="st8-191"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="412" VPOS="921" ID="st8-192"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="441" VPOS="921" ID="st8-193"/><SP/><String HEIGHT="24" CONTENT="era" WIDTH="33" HPOS="483" VPOS="921" ID="st8-194"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="523" VPOS="921" ID="st8-195"/><String HEIGHT="24" CONTENT="PBS" WIDTH="32" HPOS="533" VPOS="921" ID="st8-196"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="565" VPOS="921" ID="st8-197"/><SP/><String HEIGHT="24" CONTENT="2003" WIDTH="46" HPOS="583" VPOS="921" ID="st8-198"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="629" VPOS="921" ID="st8-199"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="640" VPOS="921" ID="st8-200"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl8-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="When" WIDTH="64" HPOS="196" VPOS="993" ID="st8-201"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="271" VPOS="993" ID="st8-202"/><SP/><String HEIGHT="24" CONTENT="Glass" WIDTH="52" HPOS="316" VPOS="993" ID="st8-203"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="368" VPOS="993" ID="st8-204"/><String HEIGHT="24" CONTENT="Steagall" WIDTH="84" HPOS="379" VPOS="993" ID="st8-205"/><SP/><String HEIGHT="24" CONTENT="Act" WIDTH="36" HPOS="474" VPOS="993" ID="st8-206"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="41" HPOS="521" VPOS="993" ID="st8-207"/><SP/><String HEIGHT="24" CONTENT="repealed" WIDTH="87" HPOS="573" VPOS="993" ID="st8-208"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="660" VPOS="993" ID="st8-209"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="682" VPOS="993" ID="st8-210"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="706" VPOS="993" ID="st8-211"/><SP/><String HEIGHT="24" CONTENT="fol" WIDTH="27" HPOS="759" VPOS="993" ID="st8-212" SUBS_TYPE="HypPart1" SUBS_CONTENT="followed"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="993" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl8-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="lowed" WIDTH="66" HPOS="196" VPOS="1029" ID="st8-213" SUBS_TYPE="HypPart2" SUBS_CONTENT="followed"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="267" VPOS="1029" ID="st8-214"/><SP/><String HEIGHT="24" CONTENT="significant" WIDTH="108" HPOS="297" VPOS="1029" ID="st8-215"/><SP/><String HEIGHT="24" CONTENT="merger" WIDTH="76" HPOS="411" VPOS="1029" ID="st8-216"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="492" VPOS="1029" ID="st8-217"/><SP/><String HEIGHT="24" CONTENT="acquisition" WIDTH="114" HPOS="538" VPOS="1029" ID="st8-218"/><SP/><String HEIGHT="24" CONTENT="activity" WIDTH="73" HPOS="657" VPOS="1029" ID="st8-219"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="736" VPOS="1029" ID="st8-220"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="761" VPOS="1029" ID="st8-221"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl8-21" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="196" VPOS="1065" ID="st8-222"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="60" HPOS="295" VPOS="1065" ID="st8-223"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="355" VPOS="1065" ID="st8-224"/><SP/><String HEIGHT="24" CONTENT="37" WIDTH="28" HPOS="376" VPOS="1065" ID="st8-225"/><SP/><String HEIGHT="24" CONTENT="major" WIDTH="61" HPOS="414" VPOS="1065" ID="st8-226"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="88" HPOS="485" VPOS="1065" ID="st8-227"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="583" VPOS="1065" ID="st8-228"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="710" VPOS="1065" ID="st8-229"/><SP/><String HEIGHT="24" CONTENT="1990" WIDTH="56" HPOS="739" VPOS="1065" ID="st8-230"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl8-22" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="merged" WIDTH="82" HPOS="196" VPOS="1101" ID="st8-231"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="42" HPOS="284" VPOS="1101" ID="st8-232"/><SP/><String HEIGHT="24" CONTENT="just" WIDTH="38" HPOS="331" VPOS="1101" ID="st8-233"/><SP/><String HEIGHT="24" CONTENT="four" WIDTH="45" HPOS="374" VPOS="1101" ID="st8-234"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="424" VPOS="1101" ID="st8-235"/><SP/><String HEIGHT="24" CONTENT="2009" WIDTH="55" HPOS="455" VPOS="1101" ID="st8-236"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="516" VPOS="1101" ID="st8-237"/><String HEIGHT="24" CONTENT="Mother" WIDTH="74" HPOS="528" VPOS="1101" ID="st8-238"/><SP/><String HEIGHT="24" CONTENT="Jones" WIDTH="55" HPOS="607" VPOS="1101" ID="st8-239"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="662" VPOS="1101" ID="st8-240"/><SP/><String HEIGHT="24" CONTENT="2010" WIDTH="46" HPOS="678" VPOS="1101" ID="st8-241"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="724" VPOS="1101" ID="st8-242"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="736" VPOS="1101" ID="st8-243"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="753" VPOS="1101" ID="st8-244"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl8-23" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="consolidation" WIDTH="142" HPOS="196" VPOS="1138" ID="st8-245"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="347" VPOS="1138" ID="st8-246"/><SP/><String HEIGHT="23" CONTENT="large" WIDTH="53" HPOS="376" VPOS="1138" ID="st8-247"/><SP/><String HEIGHT="23" CONTENT="part" WIDTH="43" HPOS="438" VPOS="1138" ID="st8-248"/><SP/><String HEIGHT="23" CONTENT="gave" WIDTH="50" HPOS="490" VPOS="1138" ID="st8-249"/><SP/><String HEIGHT="23" CONTENT="rise" WIDTH="36" HPOS="550" VPOS="1138" ID="st8-250"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="595" VPOS="1138" ID="st8-251"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="627" VPOS="1138" ID="st8-252"/><String HEIGHT="23" CONTENT="»" WIDTH="12" HPOS="671" VPOS="1138" ID="st8-253"/><String HEIGHT="23" CONTENT="too" WIDTH="38" HPOS="683" VPOS="1138" ID="st8-254"/><SP/><String HEIGHT="23" CONTENT="big" WIDTH="33" HPOS="730" VPOS="1138" ID="st8-255"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="773" VPOS="1138" ID="st8-256"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl8-24" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="fail" WIDTH="36" HPOS="196" VPOS="1174" ID="st8-257"/><String HEIGHT="23" CONTENT="«" WIDTH="10" HPOS="232" VPOS="1174" ID="st8-258"/><SP/><String HEIGHT="23" CONTENT="banks" WIDTH="58" HPOS="249" VPOS="1174" ID="st8-259"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="307" VPOS="1174" ID="st8-260"/><SP/><String HEIGHT="23" CONTENT="After" WIDTH="54" HPOS="326" VPOS="1174" ID="st8-261"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="387" VPOS="1174" ID="st8-262"/><SP/><String HEIGHT="23" CONTENT="crisis" WIDTH="50" HPOS="428" VPOS="1174" ID="st8-263"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="485" VPOS="1174" ID="st8-264"/><SP/><String HEIGHT="23" CONTENT="2008" WIDTH="49" HPOS="515" VPOS="1174" ID="st8-265"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="564" VPOS="1174" ID="st8-266"/><SP/><String HEIGHT="23" CONTENT="Sandy" WIDTH="64" HPOS="584" VPOS="1174" ID="st8-267"/><SP/><String HEIGHT="23" CONTENT="Weill" WIDTH="52" HPOS="655" VPOS="1174" ID="st8-268"/><SP/><String HEIGHT="23" CONTENT="publicly" WIDTH="81" HPOS="714" VPOS="1174" ID="st8-269"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl8-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="reflected" WIDTH="93" HPOS="196" VPOS="1210" ID="st8-270"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="297" VPOS="1210" ID="st8-271"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="347" VPOS="1210" ID="st8-272"/><SP/><String HEIGHT="24" CONTENT="repeal" WIDTH="64" HPOS="390" VPOS="1210" ID="st8-273"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="462" VPOS="1210" ID="st8-274"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="492" VPOS="1210" ID="st8-275"/><SP/><String HEIGHT="24" CONTENT="Glass" WIDTH="52" HPOS="534" VPOS="1210" ID="st8-276"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="586" VPOS="1210" ID="st8-277"/><String HEIGHT="24" CONTENT="Steagall" WIDTH="85" HPOS="597" VPOS="1210" ID="st8-278"/><SP/><String HEIGHT="24" CONTENT="Act" WIDTH="36" HPOS="689" VPOS="1210" ID="st8-279"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="733" VPOS="1210" ID="st8-280"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="782" VPOS="1210" ID="st8-281"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl8-26" WIDTH="231" HEIGHT="24"><String HEIGHT="24" CONTENT="mistake" WIDTH="82" HPOS="196" VPOS="1246" ID="st8-282"/><String HEIGHT="24" CONTENT="(" WIDTH="8" HPOS="285" VPOS="1246" ID="st8-283"/><String HEIGHT="24" CONTENT="Reilly" WIDTH="49" HPOS="293" VPOS="1246" ID="st8-284"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="342" VPOS="1246" ID="st8-285"/><SP/><String HEIGHT="24" CONTENT="2012" WIDTH="46" HPOS="358" VPOS="1246" ID="st8-286"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="404" VPOS="1246" ID="st8-287"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="415" VPOS="1246" ID="st8-288"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl8-27" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="307" ID="st8-289"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="901" VPOS="307" ID="st8-290"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="946" VPOS="307" ID="st8-291"/><SP/><String HEIGHT="24" CONTENT="holding" WIDTH="81" HPOS="977" VPOS="307" ID="st8-292"/><SP/><String HEIGHT="24" CONTENT="mortgages" WIDTH="108" HPOS="1067" VPOS="307" ID="st8-293"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1175" VPOS="307" ID="st8-294"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1197" VPOS="307" ID="st8-295"/><SP/><String HEIGHT="24" CONTENT="default" WIDTH="75" HPOS="1246" VPOS="307" ID="st8-296"/><SP/><String HEIGHT="24" CONTENT="swaps" WIDTH="65" HPOS="1330" VPOS="307" ID="st8-297"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="1404" VPOS="307" ID="st8-298"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl8-28" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="meant" WIDTH="68" HPOS="858" VPOS="343" ID="st8-299"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="933" VPOS="343" ID="st8-300"/><SP/><String HEIGHT="24" CONTENT="provide" WIDTH="79" HPOS="962" VPOS="343" ID="st8-301"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1048" VPOS="343" ID="st8-302"/><SP/><String HEIGHT="24" CONTENT="hedge" WIDTH="67" HPOS="1068" VPOS="343" ID="st8-303"/><SP/><String HEIGHT="24" CONTENT="against" WIDTH="76" HPOS="1142" VPOS="343" ID="st8-304"/><SP/><String HEIGHT="24" CONTENT="nonperforming" WIDTH="162" HPOS="1225" VPOS="343" ID="st8-305"/><SP/><String HEIGHT="24" CONTENT="loans" WIDTH="51" HPOS="1394" VPOS="343" ID="st8-306"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="343" ID="st8-307"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl8-29" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="858" VPOS="379" ID="st8-308"/><SP/><String HEIGHT="24" CONTENT="toxic" WIDTH="51" HPOS="930" VPOS="379" ID="st8-309"/><SP/><String HEIGHT="24" CONTENT="mortgage" WIDTH="105" HPOS="993" VPOS="379" ID="st8-310"/><SP/><String HEIGHT="24" CONTENT="assets" WIDTH="63" HPOS="1111" VPOS="379" ID="st8-311"/><SP/><String HEIGHT="24" CONTENT="began" WIDTH="68" HPOS="1186" VPOS="379" ID="st8-312"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1266" VPOS="379" ID="st8-313"/><SP/><String HEIGHT="24" CONTENT="collapse" WIDTH="82" HPOS="1301" VPOS="379" ID="st8-314"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1383" VPOS="379" ID="st8-315"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="1406" VPOS="379" ID="st8-316"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl8-30" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="858" VPOS="415" ID="st8-317"/><SP/><String HEIGHT="24" CONTENT="products" WIDTH="92" HPOS="955" VPOS="415" ID="st8-318"/><SP/><String HEIGHT="24" CONTENT="magnified" WIDTH="102" HPOS="1055" VPOS="415" ID="st8-319"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1157" VPOS="415" ID="st8-320"/><SP/><String HEIGHT="24" CONTENT="rather" WIDTH="64" HPOS="1177" VPOS="415" ID="st8-321"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="48" HPOS="1249" VPOS="415" ID="st8-322"/><SP/><String HEIGHT="24" CONTENT="mitigated" WIDTH="98" HPOS="1305" VPOS="415" ID="st8-323"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1403" VPOS="415" ID="st8-324"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="415" ID="st8-325"/></TextLine><TextLine HPOS="858" VPOS="451" ID="tl8-31" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="losses" WIDTH="61" HPOS="858" VPOS="451" ID="st8-326"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="925" VPOS="451" ID="st8-327"/><SP/><String HEIGHT="24" CONTENT="thereby" WIDTH="80" HPOS="971" VPOS="451" ID="st8-328"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="41" HPOS="1058" VPOS="451" ID="st8-329"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1105" VPOS="451" ID="st8-330"/><SP/><String HEIGHT="24" CONTENT="severity" WIDTH="79" HPOS="1146" VPOS="451" ID="st8-331"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1231" VPOS="451" ID="st8-332"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1260" VPOS="451" ID="st8-333"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="50" HPOS="1301" VPOS="451" ID="st8-334"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1357" VPOS="451" ID="st8-335"/><String HEIGHT="24" CONTENT="Gerding" WIDTH="77" HPOS="1368" VPOS="451" ID="st8-336"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="451" ID="st8-337"/></TextLine><TextLine HPOS="858" VPOS="488" ID="tl8-32" WIDTH="69" HEIGHT="23"><String HEIGHT="23" CONTENT="2011" WIDTH="46" HPOS="858" VPOS="488" ID="st8-338"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="904" VPOS="488" ID="st8-339"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="915" VPOS="488" ID="st8-340"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl8-33" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Although" WIDTH="100" HPOS="858" VPOS="560" ID="st8-341"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="964" VPOS="560" ID="st8-342"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="50" HPOS="1006" VPOS="560" ID="st8-343"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="1062" VPOS="560" ID="st8-344"/><SP/><String HEIGHT="24" CONTENT="followed" WIDTH="94" HPOS="1110" VPOS="560" ID="st8-345"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1210" VPOS="560" ID="st8-346"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1242" VPOS="560" ID="st8-347"/><SP/><String HEIGHT="24" CONTENT="partially" WIDTH="83" HPOS="1261" VPOS="560" ID="st8-348"/><SP/><String HEIGHT="24" CONTENT="successful" WIDTH="105" HPOS="1351" VPOS="560" ID="st8-349"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl8-34" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="effort" WIDTH="59" HPOS="858" VPOS="596" ID="st8-350"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="923" VPOS="596" ID="st8-351"/><SP/><String HEIGHT="24" CONTENT="regulate" WIDTH="87" HPOS="950" VPOS="596" ID="st8-352"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="1043" VPOS="596" ID="st8-353"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1105" VPOS="596" ID="st8-354"/><SP/><String HEIGHT="24" CONTENT="products" WIDTH="88" HPOS="1200" VPOS="596" ID="st8-355"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1288" VPOS="596" ID="st8-356"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1305" VPOS="596" ID="st8-357"/><SP/><String HEIGHT="24" CONTENT="derivatives" WIDTH="111" HPOS="1345" VPOS="596" ID="st8-358"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl8-35" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="858" VPOS="632" ID="st8-359"/><SP/><String HEIGHT="24" CONTENT="continued" WIDTH="107" HPOS="941" VPOS="632" ID="st8-360"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1056" VPOS="632" ID="st8-361"/><SP/><String HEIGHT="24" CONTENT="grow" WIDTH="48" HPOS="1087" VPOS="632" ID="st8-362"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1135" VPOS="632" ID="st8-363"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="38" HPOS="1156" VPOS="632" ID="st8-364"/><SP/><String HEIGHT="24" CONTENT="provisions" WIDTH="105" HPOS="1203" VPOS="632" ID="st8-365"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1316" VPOS="632" ID="st8-366"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1346" VPOS="632" ID="st8-367"/><SP/><String HEIGHT="24" CONTENT="Dodd" WIDTH="54" HPOS="1389" VPOS="632" ID="st8-368" SUBS_TYPE="HypPart1" SUBS_CONTENT="DoddFrank"/><HYP CONTENT="-" WIDTH="13" HPOS="1443" VPOS="632" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl8-36" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Frank" WIDTH="58" HPOS="858" VPOS="668" ID="st8-369" SUBS_TYPE="HypPart2" SUBS_CONTENT="DoddFrank"/><SP/><String HEIGHT="24" CONTENT="Act" WIDTH="36" HPOS="924" VPOS="668" ID="st8-370"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="968" VPOS="668" ID="st8-371"/><SP/><String HEIGHT="24" CONTENT="sought" WIDTH="74" HPOS="1019" VPOS="668" ID="st8-372"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1100" VPOS="668" ID="st8-373"/><SP/><String HEIGHT="24" CONTENT="wall" WIDTH="43" HPOS="1131" VPOS="668" ID="st8-374"/><SP/><String HEIGHT="24" CONTENT="off" WIDTH="30" HPOS="1182" VPOS="668" ID="st8-375"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1220" VPOS="668" ID="st8-376"/><SP/><String HEIGHT="24" CONTENT="derivatives" WIDTH="111" HPOS="1262" VPOS="668" ID="st8-377"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="1381" VPOS="668" ID="st8-378"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl8-37" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="858" VPOS="704" ID="st8-379"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="922" VPOS="704" ID="st8-380"/><SP/><String HEIGHT="24" CONTENT="commercial" WIDTH="123" HPOS="970" VPOS="704" ID="st8-381"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="87" HPOS="1106" VPOS="704" ID="st8-382"/><SP/><String HEIGHT="24" CONTENT="system" WIDTH="72" HPOS="1206" VPOS="704" ID="st8-383"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="1291" VPOS="704" ID="st8-384"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1357" VPOS="704" ID="st8-385"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="704" ID="st8-386"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl8-38" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="passage" WIDTH="85" HPOS="858" VPOS="740" ID="st8-387"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="950" VPOS="740" ID="st8-388"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="980" VPOS="740" ID="st8-389"/><SP/><String HEIGHT="24" CONTENT="act" WIDTH="32" HPOS="1022" VPOS="740" ID="st8-390"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1061" VPOS="740" ID="st8-391"/><SP/><String HEIGHT="24" CONTENT="primary" WIDTH="81" HPOS="1103" VPOS="740" ID="st8-392"/><SP/><String HEIGHT="24" CONTENT="targets" WIDTH="74" HPOS="1191" VPOS="740" ID="st8-393"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1272" VPOS="740" ID="st8-394"/><SP/><String HEIGHT="24" CONTENT="new" WIDTH="46" HPOS="1302" VPOS="740" ID="st8-395"/><SP/><String HEIGHT="24" CONTENT="deregula" WIDTH="90" HPOS="1355" VPOS="740" ID="st8-396" SUBS_TYPE="HypPart1" SUBS_CONTENT="deregulatory"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="740" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl8-39" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tory" WIDTH="41" HPOS="858" VPOS="776" ID="st8-397" SUBS_TYPE="HypPart2" SUBS_CONTENT="deregulatory"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="66" HPOS="906" VPOS="776" ID="st8-398"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="972" VPOS="776" ID="st8-399"/><SP/><String HEIGHT="24" CONTENT="According" WIDTH="108" HPOS="989" VPOS="776" ID="st8-400"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1103" VPOS="776" ID="st8-401"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1132" VPOS="776" ID="st8-402"/><SP/><String HEIGHT="24" CONTENT="research" WIDTH="88" HPOS="1152" VPOS="776" ID="st8-403"/><SP/><String HEIGHT="24" CONTENT="report" WIDTH="65" HPOS="1246" VPOS="776" ID="st8-404"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1318" VPOS="776" ID="st8-405"/><SP/><String HEIGHT="24" CONTENT="Citigroup" WIDTH="95" HPOS="1350" VPOS="776" ID="st8-406"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="776" ID="st8-407"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl8-40" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="synthetic" WIDTH="94" HPOS="858" VPOS="813" ID="st8-408"/><SP/><String HEIGHT="23" CONTENT="CDOs" WIDTH="62" HPOS="963" VPOS="813" ID="st8-409"/><SP/><String HEIGHT="23" CONTENT="were" WIDTH="52" HPOS="1036" VPOS="813" ID="st8-410"/><SP/><String HEIGHT="23" CONTENT="expected" WIDTH="96" HPOS="1099" VPOS="813" ID="st8-411"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1206" VPOS="813" ID="st8-412"/><SP/><String HEIGHT="23" CONTENT="grow" WIDTH="55" HPOS="1240" VPOS="813" ID="st8-413"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1306" VPOS="813" ID="st8-414"/><SP/><String HEIGHT="23" CONTENT="100" WIDTH="42" HPOS="1339" VPOS="813" ID="st8-415"/><SP/><String HEIGHT="23" CONTENT="billion" WIDTH="64" HPOS="1392" VPOS="813" ID="st8-416"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl8-41" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="U" WIDTH="10" HPOS="858" VPOS="849" ID="st8-417"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="868" VPOS="849" ID="st8-418"/><String HEIGHT="23" CONTENT="S" WIDTH="11" HPOS="879" VPOS="849" ID="st8-419"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="890" VPOS="849" ID="st8-420"/><SP/><String HEIGHT="23" CONTENT="dollars" WIDTH="69" HPOS="910" VPOS="849" ID="st8-421"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="989" VPOS="849" ID="st8-422"/><SP/><String HEIGHT="23" CONTENT="2017" WIDTH="56" HPOS="1017" VPOS="849" ID="st8-423"/><SP/><String HEIGHT="23" CONTENT="from" WIDTH="51" HPOS="1082" VPOS="849" ID="st8-424"/><SP/><String HEIGHT="23" CONTENT="only" WIDTH="45" HPOS="1142" VPOS="849" ID="st8-425"/><SP/><String HEIGHT="23" CONTENT="20" WIDTH="28" HPOS="1196" VPOS="849" ID="st8-426"/><SP/><String HEIGHT="23" CONTENT="billion" WIDTH="64" HPOS="1233" VPOS="849" ID="st8-427"/><SP/><String HEIGHT="23" CONTENT="U" WIDTH="10" HPOS="1306" VPOS="849" ID="st8-428"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1316" VPOS="849" ID="st8-429"/><String HEIGHT="23" CONTENT="S" WIDTH="11" HPOS="1327" VPOS="849" ID="st8-430"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1338" VPOS="849" ID="st8-431"/><SP/><String HEIGHT="23" CONTENT="dollars" WIDTH="70" HPOS="1358" VPOS="849" ID="st8-432"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="849" ID="st8-433"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl8-42" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="2015" WIDTH="55" HPOS="858" VPOS="885" ID="st8-434"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="921" VPOS="885" ID="st8-435"/><String HEIGHT="24" CONTENT="Alloway" WIDTH="75" HPOS="931" VPOS="885" ID="st8-436"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1006" VPOS="885" ID="st8-437"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="1024" VPOS="885" ID="st8-438"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1070" VPOS="885" ID="st8-439"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1082" VPOS="885" ID="st8-440"/><SP/><String HEIGHT="24" CONTENT="Other" WIDTH="61" HPOS="1101" VPOS="885" ID="st8-441"/><SP/><String HEIGHT="24" CONTENT="research" WIDTH="88" HPOS="1170" VPOS="885" ID="st8-442"/><SP/><String HEIGHT="24" CONTENT="shows" WIDTH="67" HPOS="1265" VPOS="885" ID="st8-443"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1339" VPOS="885" ID="st8-444"/><SP/><String HEIGHT="24" CONTENT="within" WIDTH="67" HPOS="1389" VPOS="885" ID="st8-445"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl8-43" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="858" VPOS="921" ID="st8-446"/><SP/><String HEIGHT="24" CONTENT="month" WIDTH="71" HPOS="877" VPOS="921" ID="st8-447"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="955" VPOS="921" ID="st8-448"/><SP/><String HEIGHT="24" CONTENT="derivatives" WIDTH="111" HPOS="984" VPOS="921" ID="st8-449"/><SP/><String HEIGHT="24" CONTENT="regulations" WIDTH="117" HPOS="1102" VPOS="921" ID="st8-450"/><SP/><String HEIGHT="24" CONTENT="being" WIDTH="60" HPOS="1226" VPOS="921" ID="st8-451"/><SP/><String HEIGHT="24" CONTENT="issued" WIDTH="62" HPOS="1292" VPOS="921" ID="st8-452"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1354" VPOS="921" ID="st8-453"/><SP/><String HEIGHT="24" CONTENT="industry" WIDTH="85" HPOS="1371" VPOS="921" ID="st8-454"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl8-44" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="groups" WIDTH="73" HPOS="858" VPOS="957" ID="st8-455"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="40" HPOS="940" VPOS="957" ID="st8-456"/><SP/><String HEIGHT="24" CONTENT="identified" WIDTH="100" HPOS="990" VPOS="957" ID="st8-457"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1099" VPOS="957" ID="st8-458"/><SP/><String HEIGHT="24" CONTENT="loophole" WIDTH="93" HPOS="1120" VPOS="957" ID="st8-459"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1222" VPOS="957" ID="st8-460"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1251" VPOS="957" ID="st8-461"/><SP/><String HEIGHT="24" CONTENT="footnote" WIDTH="93" HPOS="1273" VPOS="957" ID="st8-462"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1375" VPOS="957" ID="st8-463"/><SP/><String HEIGHT="24" CONTENT="cir" WIDTH="24" HPOS="1424" VPOS="957" ID="st8-464" SUBS_TYPE="HypPart1" SUBS_CONTENT="circulated"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="957" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl8-45" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="culated" WIDTH="78" HPOS="858" VPOS="993" ID="st8-465" SUBS_TYPE="HypPart2" SUBS_CONTENT="circulated"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="943" VPOS="993" ID="st8-466"/><SP/><String HEIGHT="24" CONTENT="memo" WIDTH="68" HPOS="963" VPOS="993" ID="st8-467"/><SP/><String HEIGHT="24" CONTENT="asserting" WIDTH="95" HPOS="1038" VPOS="993" ID="st8-468"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1140" VPOS="993" ID="st8-469"/><SP/><String HEIGHT="24" CONTENT="ability" WIDTH="62" HPOS="1183" VPOS="993" ID="st8-470"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1252" VPOS="993" ID="st8-471"/><SP/><String HEIGHT="24" CONTENT="trade" WIDTH="56" HPOS="1282" VPOS="993" ID="st8-472"/><SP/><String HEIGHT="24" CONTENT="derivatives" WIDTH="111" HPOS="1345" VPOS="993" ID="st8-473"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl8-46" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="through" WIDTH="85" HPOS="858" VPOS="1029" ID="st8-474"/><SP/><String HEIGHT="24" CONTENT="foreign" WIDTH="76" HPOS="953" VPOS="1029" ID="st8-475"/><SP/><String HEIGHT="24" CONTENT="subsidiaries" WIDTH="121" HPOS="1039" VPOS="1029" ID="st8-476"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1170" VPOS="1029" ID="st8-477"/><SP/><String HEIGHT="24" CONTENT="much" WIDTH="60" HPOS="1199" VPOS="1029" ID="st8-478"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1268" VPOS="1029" ID="st8-479"/><SP/><String HEIGHT="24" CONTENT="same" WIDTH="56" HPOS="1313" VPOS="1029" ID="st8-480"/><SP/><String HEIGHT="24" CONTENT="fashion" WIDTH="78" HPOS="1378" VPOS="1029" ID="st8-481"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl8-47" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="858" VPOS="1065" ID="st8-482"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="886" VPOS="1065" ID="st8-483"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="40" HPOS="939" VPOS="1065" ID="st8-484"/><SP/><String HEIGHT="24" CONTENT="if" WIDTH="14" HPOS="985" VPOS="1065" ID="st8-485"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="1005" VPOS="1065" ID="st8-486"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="1058" VPOS="1065" ID="st8-487"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="36" HPOS="1116" VPOS="1065" ID="st8-488"/><SP/><String HEIGHT="24" CONTENT="referred" WIDTH="84" HPOS="1159" VPOS="1065" ID="st8-489"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1249" VPOS="1065" ID="st8-490"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1278" VPOS="1065" ID="st8-491"/><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="1306" VPOS="1065" ID="st8-492"/><String HEIGHT="24" CONTENT="guaranteed" WIDTH="125" HPOS="1318" VPOS="1065" ID="st8-493"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="1443" VPOS="1065" ID="st8-494"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl8-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="858" VPOS="1101" ID="st8-495"/><String HEIGHT="24" CONTENT="Greenburger" WIDTH="124" HPOS="869" VPOS="1101" ID="st8-496"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="993" VPOS="1101" ID="st8-497"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="1012" VPOS="1101" ID="st8-498"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1058" VPOS="1101" ID="st8-499"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1069" VPOS="1101" ID="st8-500"/><SP/><String HEIGHT="24" CONTENT="Thus" WIDTH="50" HPOS="1088" VPOS="1101" ID="st8-501"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1145" VPOS="1101" ID="st8-502"/><SP/><String HEIGHT="24" CONTENT="spite" WIDTH="50" HPOS="1171" VPOS="1101" ID="st8-503"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1228" VPOS="1101" ID="st8-504"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="69" HPOS="1257" VPOS="1101" ID="st8-505"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1333" VPOS="1101" ID="st8-506"/><SP/><String HEIGHT="24" CONTENT="regulate" WIDTH="83" HPOS="1362" VPOS="1101" ID="st8-507"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="1101" ID="st8-508"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl8-49" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1138" ID="st8-509"/><SP/><String HEIGHT="23" CONTENT="riskiest" WIDTH="72" HPOS="902" VPOS="1138" ID="st8-510"/><SP/><String HEIGHT="23" CONTENT="segments" WIDTH="101" HPOS="983" VPOS="1138" ID="st8-511"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1094" VPOS="1138" ID="st8-512"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1125" VPOS="1138" ID="st8-513"/><SP/><String HEIGHT="23" CONTENT="market" WIDTH="75" HPOS="1169" VPOS="1138" ID="st8-514"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1253" VPOS="1138" ID="st8-515"/><SP/><String HEIGHT="23" CONTENT="drove" WIDTH="59" HPOS="1305" VPOS="1138" ID="st8-516"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1374" VPOS="1138" ID="st8-517"/><SP/><String HEIGHT="23" CONTENT="col" WIDTH="30" HPOS="1417" VPOS="1138" ID="st8-518" SUBS_TYPE="HypPart1" SUBS_CONTENT="collapse"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1138" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl8-50" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="lapse" WIDTH="54" HPOS="858" VPOS="1174" ID="st8-519" SUBS_TYPE="HypPart2" SUBS_CONTENT="collapse"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="923" VPOS="1174" ID="st8-520"/><SP/><String HEIGHT="23" CONTENT="2008" WIDTH="56" HPOS="957" VPOS="1174" ID="st8-521"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1024" VPOS="1174" ID="st8-522"/><SP/><String HEIGHT="23" CONTENT="still" WIDTH="35" HPOS="1068" VPOS="1174" ID="st8-523"/><SP/><String HEIGHT="23" CONTENT="operating" WIDTH="103" HPOS="1114" VPOS="1174" ID="st8-524"/><SP/><String HEIGHT="23" CONTENT="at" WIDTH="20" HPOS="1229" VPOS="1174" ID="st8-525"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="1261" VPOS="1174" ID="st8-526"/><SP/><String HEIGHT="23" CONTENT="scale" WIDTH="52" HPOS="1284" VPOS="1174" ID="st8-527"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="1347" VPOS="1174" ID="st8-528"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1399" VPOS="1174" ID="st8-529"/><SP/><String HEIGHT="23" CONTENT="an" WIDTH="26" HPOS="1430" VPOS="1174" ID="st8-530"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl8-51" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="interconnected" WIDTH="159" HPOS="858" VPOS="1210" ID="st8-531"/><SP/><String HEIGHT="24" CONTENT="manner" WIDTH="82" HPOS="1022" VPOS="1210" ID="st8-532"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1109" VPOS="1210" ID="st8-533"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1158" VPOS="1210" ID="st8-534"/><SP/><String HEIGHT="24" CONTENT="negative" WIDTH="90" HPOS="1199" VPOS="1210" ID="st8-535"/><SP/><String HEIGHT="24" CONTENT="implications" WIDTH="126" HPOS="1295" VPOS="1210" ID="st8-536"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1426" VPOS="1210" ID="st8-537"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl8-52" WIDTH="181" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="858" VPOS="1246" ID="st8-538"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="76" HPOS="954" VPOS="1246" ID="st8-539"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="1030" VPOS="1246" ID="st8-540"/></TextLine><TextLine HPOS="196" VPOS="1352" ID="tl8-53" WIDTH="534" HEIGHT="27"><String HEIGHT="27" CONTENT="The" WIDTH="44" HPOS="196" VPOS="1352" ID="st8-541"/><SP/><String HEIGHT="27" CONTENT="Ban" WIDTH="45" HPOS="247" VPOS="1352" ID="st8-542"/><SP/><String HEIGHT="27" CONTENT="on" WIDTH="31" HPOS="300" VPOS="1352" ID="st8-543"/><SP/><String HEIGHT="27" CONTENT="Regulation" WIDTH="127" HPOS="338" VPOS="1352" ID="st8-544"/><SP/><String HEIGHT="27" CONTENT="of" WIDTH="24" HPOS="473" VPOS="1352" ID="st8-545"/><SP/><String HEIGHT="27" CONTENT="Derivatives" WIDTH="127" HPOS="505" VPOS="1352" ID="st8-546"/><SP/><String HEIGHT="27" CONTENT="in" WIDTH="22" HPOS="639" VPOS="1352" ID="st8-547"/><SP/><String HEIGHT="27" CONTENT="2000" WIDTH="61" HPOS="669" VPOS="1352" ID="st8-548"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl8-54" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Increasing" WIDTH="106" HPOS="196" VPOS="1426" ID="st8-549"/><SP/><String HEIGHT="24" CONTENT="activity" WIDTH="73" HPOS="307" VPOS="1426" ID="st8-550"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="385" VPOS="1426" ID="st8-551"/><SP/><String HEIGHT="24" CONTENT="derivative" WIDTH="101" HPOS="409" VPOS="1426" ID="st8-552"/><SP/><String HEIGHT="24" CONTENT="contracts" WIDTH="92" HPOS="515" VPOS="1426" ID="st8-553"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="607" VPOS="1426" ID="st8-554"/><SP/><String HEIGHT="24" CONTENT="another" WIDTH="77" HPOS="623" VPOS="1426" ID="st8-555"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="700" VPOS="1426" ID="st8-556"/><SP/><String HEIGHT="24" CONTENT="related" WIDTH="69" HPOS="716" VPOS="1426" ID="st8-557"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="785" VPOS="1426" ID="st8-558"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl8-55" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="driver" WIDTH="60" HPOS="196" VPOS="1463" ID="st8-559"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="263" VPOS="1463" ID="st8-560"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="291" VPOS="1463" ID="st8-561"/><SP/><String HEIGHT="23" CONTENT="market" WIDTH="66" HPOS="333" VPOS="1463" ID="st8-562"/><String HEIGHT="23" CONTENT="’" WIDTH="11" HPOS="399" VPOS="1463" ID="st8-563"/><String HEIGHT="23" CONTENT="s" WIDTH="11" HPOS="410" VPOS="1463" ID="st8-564"/><SP/><String HEIGHT="23" CONTENT="failure" WIDTH="66" HPOS="428" VPOS="1463" ID="st8-565"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="501" VPOS="1463" ID="st8-566"/><SP/><String HEIGHT="23" CONTENT="2008" WIDTH="49" HPOS="527" VPOS="1463" ID="st8-567"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="576" VPOS="1463" ID="st8-568"/><SP/><String HEIGHT="23" CONTENT="was" WIDTH="41" HPOS="596" VPOS="1463" ID="st8-569"/><SP/><String HEIGHT="23" CONTENT="made" WIDTH="59" HPOS="644" VPOS="1463" ID="st8-570"/><SP/><String HEIGHT="23" CONTENT="possible" WIDTH="85" HPOS="710" VPOS="1463" ID="st8-571"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl8-56" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="196" VPOS="1499" ID="st8-572"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="229" VPOS="1499" ID="st8-573"/><SP/><String HEIGHT="23" CONTENT="passage" WIDTH="85" HPOS="272" VPOS="1499" ID="st8-574"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="365" VPOS="1499" ID="st8-575"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="395" VPOS="1499" ID="st8-576"/><SP/><String HEIGHT="23" CONTENT="Commodities" WIDTH="142" HPOS="437" VPOS="1499" ID="st8-577"/><SP/><String HEIGHT="23" CONTENT="Futures" WIDTH="77" HPOS="587" VPOS="1499" ID="st8-578"/><SP/><String HEIGHT="23" CONTENT="Moderniza" WIDTH="111" HPOS="672" VPOS="1499" ID="st8-579" SUBS_TYPE="HypPart1" SUBS_CONTENT="Modernization"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="1499" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl8-57" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tion" WIDTH="42" HPOS="196" VPOS="1535" ID="st8-580" SUBS_TYPE="HypPart2" SUBS_CONTENT="Modernization"/><SP/><String HEIGHT="24" CONTENT="Act" WIDTH="36" HPOS="247" VPOS="1535" ID="st8-581"/><String HEIGHT="24" CONTENT="(" WIDTH="13" HPOS="291" VPOS="1535" ID="st8-582"/><String HEIGHT="24" CONTENT="CFMA" WIDTH="54" HPOS="304" VPOS="1535" ID="st8-583"/><String HEIGHT="24" CONTENT=")" WIDTH="14" HPOS="358" VPOS="1535" ID="st8-584"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="381" VPOS="1535" ID="st8-585"/><SP/><String HEIGHT="24" CONTENT="2000" WIDTH="55" HPOS="409" VPOS="1535" ID="st8-586"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="473" VPOS="1535" ID="st8-587"/><String HEIGHT="24" CONTENT="Stout" WIDTH="50" HPOS="483" VPOS="1535" ID="st8-588"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="533" VPOS="1535" ID="st8-589"/><SP/><String HEIGHT="24" CONTENT="2011" WIDTH="46" HPOS="552" VPOS="1535" ID="st8-590"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="598" VPOS="1535" ID="st8-591"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="610" VPOS="1535" ID="st8-592"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="630" VPOS="1535" ID="st8-593"/><SP/><String HEIGHT="24" CONTENT="CFMA" WIDTH="66" HPOS="678" VPOS="1535" ID="st8-594"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="753" VPOS="1535" ID="st8-595"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl8-58" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="included" WIDTH="91" HPOS="196" VPOS="1571" ID="st8-596"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="298" VPOS="1571" ID="st8-597"/><SP/><String HEIGHT="24" CONTENT="part" WIDTH="43" HPOS="331" VPOS="1571" ID="st8-598"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="385" VPOS="1571" ID="st8-599"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="418" VPOS="1571" ID="st8-600"/><SP/><String HEIGHT="24" CONTENT="larger" WIDTH="61" HPOS="442" VPOS="1571" ID="st8-601"/><SP/><String HEIGHT="24" CONTENT="spending" WIDTH="97" HPOS="514" VPOS="1571" ID="st8-602"/><SP/><String HEIGHT="24" CONTENT="bill" WIDTH="30" HPOS="623" VPOS="1571" ID="st8-603"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="664" VPOS="1571" ID="st8-604"/><SP/><String HEIGHT="24" CONTENT="Sen" WIDTH="34" HPOS="700" VPOS="1571" ID="st8-605"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="734" VPOS="1571" ID="st8-606"/><SP/><String HEIGHT="24" CONTENT="Phil" WIDTH="38" HPOS="757" VPOS="1571" ID="st8-607"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl8-59" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Gramm" WIDTH="81" HPOS="196" VPOS="1607" ID="st8-608"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="286" VPOS="1607" ID="st8-609"/><String HEIGHT="24" CONTENT="R" WIDTH="10" HPOS="296" VPOS="1607" ID="st8-610"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="306" VPOS="1607" ID="st8-611"/><String HEIGHT="24" CONTENT="Texas" WIDTH="51" HPOS="316" VPOS="1607" ID="st8-612"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="367" VPOS="1607" ID="st8-613"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="388" VPOS="1607" ID="st8-614"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="444" VPOS="1607" ID="st8-615"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="489" VPOS="1607" ID="st8-616"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="580" VPOS="1607" ID="st8-617"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="612" VPOS="1607" ID="st8-618"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="656" VPOS="1607" ID="st8-619"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="666" VPOS="1607" ID="st8-620"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="677" VPOS="1607" ID="st8-621"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="688" VPOS="1607" ID="st8-622"/><SP/><String HEIGHT="24" CONTENT="Treasury" WIDTH="86" HPOS="709" VPOS="1607" ID="st8-623"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl8-60" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Department" WIDTH="128" HPOS="196" VPOS="1643" ID="st8-624"/><SP/><String HEIGHT="24" CONTENT="under" WIDTH="63" HPOS="332" VPOS="1643" ID="st8-625"/><SP/><String HEIGHT="24" CONTENT="Larry" WIDTH="52" HPOS="403" VPOS="1643" ID="st8-626"/><SP/><String HEIGHT="24" CONTENT="Summers" WIDTH="91" HPOS="463" VPOS="1643" ID="st8-627"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="554" VPOS="1643" ID="st8-628"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="577" VPOS="1643" ID="st8-629"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="625" VPOS="1643" ID="st8-630"/><SP/><String HEIGHT="24" CONTENT="signed" WIDTH="70" HPOS="675" VPOS="1643" ID="st8-631"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="42" HPOS="753" VPOS="1643" ID="st8-632"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl8-61" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="law" WIDTH="38" HPOS="196" VPOS="1679" ID="st8-633"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="249" VPOS="1679" ID="st8-634"/><SP/><String HEIGHT="24" CONTENT="President" WIDTH="98" HPOS="288" VPOS="1679" ID="st8-635"/><SP/><String HEIGHT="24" CONTENT="Clinton" WIDTH="79" HPOS="400" VPOS="1679" ID="st8-636"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="493" VPOS="1679" ID="st8-637"/><String HEIGHT="24" CONTENT="Lipton" WIDTH="61" HPOS="503" VPOS="1679" ID="st8-638"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="564" VPOS="1679" ID="st8-639"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="46" HPOS="589" VPOS="1679" ID="st8-640"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="635" VPOS="1679" ID="st8-641"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="647" VPOS="1679" ID="st8-642"/><SP/><String HEIGHT="24" CONTENT="Passage" WIDTH="84" HPOS="674" VPOS="1679" ID="st8-643"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1679" ID="st8-644"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl8-62" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1715" ID="st8-645"/><SP/><String HEIGHT="24" CONTENT="CFMA" WIDTH="67" HPOS="241" VPOS="1715" ID="st8-646"/><SP/><String HEIGHT="24" CONTENT="allowed" WIDTH="83" HPOS="318" VPOS="1715" ID="st8-647"/><SP/><String HEIGHT="24" CONTENT="derivative" WIDTH="101" HPOS="411" VPOS="1715" ID="st8-648"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="522" VPOS="1715" ID="st8-649"/><SP/><String HEIGHT="24" CONTENT="swap" WIDTH="56" HPOS="572" VPOS="1715" ID="st8-650"/><SP/><String HEIGHT="24" CONTENT="instruments" WIDTH="125" HPOS="638" VPOS="1715" ID="st8-651"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="773" VPOS="1715" ID="st8-652"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl8-63" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="grow" WIDTH="55" HPOS="196" VPOS="1751" ID="st8-653"/><SP/><String HEIGHT="24" CONTENT="rapidly" WIDTH="71" HPOS="258" VPOS="1751" ID="st8-654"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="336" VPOS="1751" ID="st8-655"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="363" VPOS="1751" ID="st8-656"/><SP/><String HEIGHT="24" CONTENT="unsupervised" WIDTH="139" HPOS="404" VPOS="1751" ID="st8-657"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="550" VPOS="1751" ID="st8-658"/><SP/><String HEIGHT="24" CONTENT="opaque" WIDTH="80" HPOS="598" VPOS="1751" ID="st8-659"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="685" VPOS="1751" ID="st8-660"/><String HEIGHT="24" CONTENT="over" WIDTH="44" HPOS="696" VPOS="1751" ID="st8-661"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="740" VPOS="1751" ID="st8-662"/><String HEIGHT="24" CONTENT="the" WIDTH="33" HPOS="751" VPOS="1751" ID="st8-663" SUBS_TYPE="HypPart1" SUBS_CONTENT="thecounter"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1751" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl8-64" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="counter" WIDTH="84" HPOS="196" VPOS="1788" ID="st8-664" SUBS_TYPE="HypPart2" SUBS_CONTENT="thecounter"/><String HEIGHT="23" CONTENT="«" WIDTH="12" HPOS="280" VPOS="1788" ID="st8-665"/><SP/><String HEIGHT="23" CONTENT="marketplaces" WIDTH="135" HPOS="299" VPOS="1788" ID="st8-666"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="434" VPOS="1788" ID="st8-667"/><SP/><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="453" VPOS="1788" ID="st8-668"/><SP/><String HEIGHT="23" CONTENT="act" WIDTH="32" HPOS="498" VPOS="1788" ID="st8-669"/><SP/><String HEIGHT="23" CONTENT="created" WIDTH="78" HPOS="537" VPOS="1788" ID="st8-670"/><SP/><String HEIGHT="23" CONTENT="indirect" WIDTH="79" HPOS="622" VPOS="1788" ID="st8-671"/><SP/><String HEIGHT="23" CONTENT="demand" WIDTH="88" HPOS="707" VPOS="1788" ID="st8-672"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl8-65" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="196" VPOS="1824" ID="st8-673"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="240" VPOS="1824" ID="st8-674"/><SP/><String HEIGHT="23" CONTENT="purchase" WIDTH="96" HPOS="288" VPOS="1824" ID="st8-675"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="397" VPOS="1824" ID="st8-676"/><SP/><String HEIGHT="23" CONTENT="risky" WIDTH="47" HPOS="433" VPOS="1824" ID="st8-677"/><SP/><String HEIGHT="23" CONTENT="mortgage" WIDTH="101" HPOS="493" VPOS="1824" ID="st8-678"/><String HEIGHT="23" CONTENT="-" WIDTH="13" HPOS="594" VPOS="1824" ID="st8-679"/><String HEIGHT="23" CONTENT="backed" WIDTH="77" HPOS="607" VPOS="1824" ID="st8-680"/><SP/><String HEIGHT="23" CONTENT="securities" WIDTH="98" HPOS="697" VPOS="1824" ID="st8-681"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl8-66" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="because" WIDTH="86" HPOS="196" VPOS="1860" ID="st8-682"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="290" VPOS="1860" ID="st8-683"/><SP/><String HEIGHT="24" CONTENT="permitted" WIDTH="104" HPOS="312" VPOS="1860" ID="st8-684"/><SP/><String HEIGHT="24" CONTENT="investment" WIDTH="117" HPOS="424" VPOS="1860" ID="st8-685"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="549" VPOS="1860" ID="st8-686"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="620" VPOS="1860" ID="st8-687"/><SP/><String HEIGHT="24" CONTENT="sell" WIDTH="33" HPOS="650" VPOS="1860" ID="st8-688"/><SP/><String HEIGHT="24" CONTENT="uncleared" WIDTH="104" HPOS="691" VPOS="1860" ID="st8-689"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl8-67" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Collateralized" WIDTH="143" HPOS="196" VPOS="1896" ID="st8-690"/><SP/><String HEIGHT="24" CONTENT="Debt" WIDTH="51" HPOS="344" VPOS="1896" ID="st8-691"/><SP/><String HEIGHT="24" CONTENT="Obligations" WIDTH="120" HPOS="400" VPOS="1896" ID="st8-692"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="524" VPOS="1896" ID="st8-693"/><String HEIGHT="24" CONTENT="CDOs" WIDTH="50" HPOS="536" VPOS="1896" ID="st8-694"/><String HEIGHT="24" CONTENT=")" WIDTH="13" HPOS="586" VPOS="1896" ID="st8-695"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="604" VPOS="1896" ID="st8-696"/><SP/><String HEIGHT="24" CONTENT="Credit" WIDTH="65" HPOS="648" VPOS="1896" ID="st8-697"/><SP/><String HEIGHT="24" CONTENT="Default" WIDTH="78" HPOS="717" VPOS="1896" ID="st8-698"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl8-68" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Swaps" WIDTH="68" HPOS="196" VPOS="1932" ID="st8-699"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="273" VPOS="1932" ID="st8-700"/><String HEIGHT="24" CONTENT="CDSs" WIDTH="46" HPOS="284" VPOS="1932" ID="st8-701"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="330" VPOS="1932" ID="st8-702"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="351" VPOS="1932" ID="st8-703"/><String HEIGHT="24" CONTENT="Black" WIDTH="50" HPOS="360" VPOS="1932" ID="st8-704"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="410" VPOS="1932" ID="st8-705"/><SP/><String HEIGHT="24" CONTENT="2012" WIDTH="46" HPOS="429" VPOS="1932" ID="st8-706"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="475" VPOS="1932" ID="st8-707"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="486" VPOS="1932" ID="st8-708"/><SP/><String HEIGHT="24" CONTENT="Hedge" WIDTH="69" HPOS="507" VPOS="1932" ID="st8-709"/><SP/><String HEIGHT="24" CONTENT="funds" WIDTH="55" HPOS="585" VPOS="1932" ID="st8-710"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="640" VPOS="1932" ID="st8-711"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="660" VPOS="1932" ID="st8-712"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="84" HPOS="699" VPOS="1932" ID="st8-713"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="783" VPOS="1932" ID="st8-714"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl8-69" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="purchased" WIDTH="110" HPOS="196" VPOS="1968" ID="st8-715"/><SP/><String HEIGHT="24" CONTENT="CDSs" WIDTH="56" HPOS="315" VPOS="1968" ID="st8-716"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="381" VPOS="1968" ID="st8-717"/><SP/><String HEIGHT="24" CONTENT="insurance" WIDTH="101" HPOS="413" VPOS="1968" ID="st8-718"/><SP/><String HEIGHT="24" CONTENT="while" WIDTH="57" HPOS="524" VPOS="1968" ID="st8-719"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="45" HPOS="591" VPOS="1968" ID="st8-720"/><SP/><String HEIGHT="24" CONTENT="bought" WIDTH="78" HPOS="646" VPOS="1968" ID="st8-721"/><SP/><String HEIGHT="24" CONTENT="junior" WIDTH="61" HPOS="734" VPOS="1968" ID="st8-722"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl8-70" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tranches" WIDTH="91" HPOS="196" VPOS="2004" ID="st8-723"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="293" VPOS="2004" ID="st8-724"/><SP/><String HEIGHT="24" CONTENT="risky" WIDTH="47" HPOS="322" VPOS="2004" ID="st8-725"/><SP/><String HEIGHT="24" CONTENT="mortgage" WIDTH="100" HPOS="376" VPOS="2004" ID="st8-726"/><String HEIGHT="24" CONTENT="-" WIDTH="13" HPOS="476" VPOS="2004" ID="st8-727"/><String HEIGHT="24" CONTENT="backed" WIDTH="76" HPOS="489" VPOS="2004" ID="st8-728"/><SP/><String HEIGHT="24" CONTENT="securities" WIDTH="97" HPOS="572" VPOS="2004" ID="st8-729"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="676" VPOS="2004" ID="st8-730"/><String HEIGHT="24" CONTENT="Silvers" WIDTH="63" HPOS="685" VPOS="2004" ID="st8-731"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="754" VPOS="2004" ID="st8-732"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl8-71" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Slavkin" WIDTH="70" HPOS="196" VPOS="2040" ID="st8-733"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="266" VPOS="2040" ID="st8-734"/><SP/><String HEIGHT="24" CONTENT="2009" WIDTH="46" HPOS="285" VPOS="2040" ID="st8-735"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="331" VPOS="2040" ID="st8-736"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="343" VPOS="2040" ID="st8-737"/><SP/><String HEIGHT="24" CONTENT="Although" WIDTH="100" HPOS="363" VPOS="2040" ID="st8-738"/><SP/><String HEIGHT="24" CONTENT="CDOs" WIDTH="61" HPOS="471" VPOS="2040" ID="st8-739"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="540" VPOS="2040" ID="st8-740"/><SP/><String HEIGHT="24" CONTENT="meant" WIDTH="68" HPOS="601" VPOS="2040" ID="st8-741"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="677" VPOS="2040" ID="st8-742"/><SP/><String HEIGHT="24" CONTENT="mitigate" WIDTH="88" HPOS="707" VPOS="2040" ID="st8-743"/></TextLine><TextLine HPOS="858" VPOS="1352" ID="tl8-72" WIDTH="254" HEIGHT="27"><String HEIGHT="27" CONTENT="The" WIDTH="43" HPOS="858" VPOS="1352" ID="st8-744"/><String HEIGHT="27" CONTENT="»" WIDTH="15" HPOS="909" VPOS="1352" ID="st8-745"/><String HEIGHT="27" CONTENT="London" WIDTH="90" HPOS="924" VPOS="1352" ID="st8-746"/><SP/><String HEIGHT="27" CONTENT="Whale" WIDTH="75" HPOS="1021" VPOS="1352" ID="st8-747"/><String HEIGHT="27" CONTENT="«" WIDTH="16" HPOS="1096" VPOS="1352" ID="st8-748"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl8-73" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="858" VPOS="1426" ID="st8-749"/><SP/><String HEIGHT="24" CONTENT="addition" WIDTH="88" HPOS="890" VPOS="1426" ID="st8-750"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="991" VPOS="1426" ID="st8-751"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1026" VPOS="1426" ID="st8-752"/><SP/><String HEIGHT="24" CONTENT="clear" WIDTH="51" HPOS="1073" VPOS="1426" ID="st8-753"/><SP/><String HEIGHT="24" CONTENT="challenges" WIDTH="112" HPOS="1136" VPOS="1426" ID="st8-754"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1261" VPOS="1426" ID="st8-755"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1317" VPOS="1426" ID="st8-756"/><SP/><String HEIGHT="24" CONTENT="size" WIDTH="39" HPOS="1364" VPOS="1426" ID="st8-757"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1416" VPOS="1426" ID="st8-758"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl8-74" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="power" WIDTH="68" HPOS="858" VPOS="1463" ID="st8-759"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="935" VPOS="1463" ID="st8-760"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="965" VPOS="1463" ID="st8-761"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1009" VPOS="1463" ID="st8-762"/><SP/><String HEIGHT="23" CONTENT="industry" WIDTH="85" HPOS="1106" VPOS="1463" ID="st8-763"/><SP/><String HEIGHT="23" CONTENT="poses" WIDTH="60" HPOS="1200" VPOS="1463" ID="st8-764"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="1268" VPOS="1463" ID="st8-765"/><SP/><String HEIGHT="23" CONTENT="regulators" WIDTH="103" HPOS="1299" VPOS="1463" ID="st8-766"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1402" VPOS="1463" ID="st8-767"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="1463" ID="st8-768"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl8-75" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="scale" WIDTH="51" HPOS="858" VPOS="1499" ID="st8-769"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="918" VPOS="1499" ID="st8-770"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="950" VPOS="1499" ID="st8-771"/><SP/><String HEIGHT="23" CONTENT="largest" WIDTH="71" HPOS="994" VPOS="1499" ID="st8-772"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1074" VPOS="1499" ID="st8-773"/><SP/><String HEIGHT="23" CONTENT="institutions" WIDTH="117" HPOS="1172" VPOS="1499" ID="st8-774"/><SP/><String HEIGHT="23" CONTENT="makes" WIDTH="68" HPOS="1298" VPOS="1499" ID="st8-775"/><SP/><String HEIGHT="23" CONTENT="internal" WIDTH="81" HPOS="1375" VPOS="1499" ID="st8-776"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl8-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="oversight" WIDTH="98" HPOS="858" VPOS="1535" ID="st8-777"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="967" VPOS="1535" ID="st8-778"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1020" VPOS="1535" ID="st8-779"/><SP/><String HEIGHT="24" CONTENT="creation" WIDTH="86" HPOS="1066" VPOS="1535" ID="st8-780"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1164" VPOS="1535" ID="st8-781"/><SP/><String HEIGHT="24" CONTENT="operation" WIDTH="104" HPOS="1216" VPOS="1535" ID="st8-782"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1332" VPOS="1535" ID="st8-783"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="90" HPOS="1366" VPOS="1535" ID="st8-784"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl8-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="internal" WIDTH="81" HPOS="858" VPOS="1571" ID="st8-785"/><SP/><String HEIGHT="24" CONTENT="controls" WIDTH="84" HPOS="950" VPOS="1571" ID="st8-786"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1045" VPOS="1571" ID="st8-787"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="1080" VPOS="1571" ID="st8-788"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1233" VPOS="1571" ID="st8-789"/><SP/><String HEIGHT="24" CONTENT="boards" WIDTH="72" HPOS="1284" VPOS="1571" ID="st8-790"/><SP/><String HEIGHT="24" CONTENT="very" WIDTH="43" HPOS="1366" VPOS="1571" ID="st8-791"/><SP/><String HEIGHT="24" CONTENT="dif" WIDTH="27" HPOS="1420" VPOS="1571" ID="st8-792" SUBS_TYPE="HypPart1" SUBS_CONTENT="difficult"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1571" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl8-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ficult" WIDTH="50" HPOS="858" VPOS="1607" ID="st8-793" SUBS_TYPE="HypPart2" SUBS_CONTENT="difficult"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="908" VPOS="1607" ID="st8-794"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="926" VPOS="1607" ID="st8-795"/><SP/><String HEIGHT="24" CONTENT="complexity" WIDTH="114" HPOS="973" VPOS="1607" ID="st8-796"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1096" VPOS="1607" ID="st8-797"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1126" VPOS="1607" ID="st8-798"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="116" HPOS="1224" VPOS="1607" ID="st8-799"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1349" VPOS="1607" ID="st8-800"/><SP/><String HEIGHT="24" CONTENT="led" WIDTH="31" HPOS="1394" VPOS="1607" ID="st8-801"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1434" VPOS="1607" ID="st8-802"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl8-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="breakdowns" WIDTH="130" HPOS="858" VPOS="1643" ID="st8-803"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="998" VPOS="1643" ID="st8-804"/><SP/><String HEIGHT="24" CONTENT="internal" WIDTH="81" HPOS="1028" VPOS="1643" ID="st8-805"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1119" VPOS="1643" ID="st8-806"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="135" HPOS="1165" VPOS="1643" ID="st8-807"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="1300" VPOS="1643" ID="st8-808"/><SP/><String HEIGHT="24" CONTENT="communica" WIDTH="119" HPOS="1324" VPOS="1643" ID="st8-809" SUBS_TYPE="HypPart1" SUBS_CONTENT="communications"/><HYP CONTENT="-" WIDTH="13" HPOS="1443" VPOS="1643" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl8-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tions" WIDTH="48" HPOS="858" VPOS="1679" ID="st8-810" SUBS_TYPE="HypPart2" SUBS_CONTENT="communications"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="906" VPOS="1679" ID="st8-811"/><SP/><String HEIGHT="24" CONTENT="oversight" WIDTH="93" HPOS="922" VPOS="1679" ID="st8-812"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1015" VPOS="1679" ID="st8-813"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1033" VPOS="1679" ID="st8-814"/><SP/><String HEIGHT="24" CONTENT="governance" WIDTH="119" HPOS="1079" VPOS="1679" ID="st8-815"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1198" VPOS="1679" ID="st8-816"/><SP/><String HEIGHT="24" CONTENT="earning" WIDTH="81" HPOS="1216" VPOS="1679" ID="st8-817"/><SP/><String HEIGHT="24" CONTENT="them" WIDTH="55" HPOS="1304" VPOS="1679" ID="st8-818"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1365" VPOS="1679" ID="st8-819"/><SP/><String HEIGHT="24" CONTENT="label" WIDTH="50" HPOS="1406" VPOS="1679" ID="st8-820"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl8-81" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="858" VPOS="1715" ID="st8-821"/><String HEIGHT="24" CONTENT="too" WIDTH="38" HPOS="870" VPOS="1715" ID="st8-822"/><SP/><String HEIGHT="24" CONTENT="big" WIDTH="34" HPOS="915" VPOS="1715" ID="st8-823"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="956" VPOS="1715" ID="st8-824"/><SP/><String HEIGHT="24" CONTENT="manage" WIDTH="85" HPOS="986" VPOS="1715" ID="st8-825"/><String HEIGHT="24" CONTENT="«" WIDTH="15" HPOS="1071" VPOS="1715" ID="st8-826"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1093" VPOS="1715" ID="st8-827"/><String HEIGHT="24" CONTENT="Birkinshaw" WIDTH="112" HPOS="1104" VPOS="1715" ID="st8-828"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1223" VPOS="1715" ID="st8-829"/><SP/><String HEIGHT="24" CONTENT="Heywood" WIDTH="94" HPOS="1271" VPOS="1715" ID="st8-830"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="1365" VPOS="1715" ID="st8-831"/><SP/><String HEIGHT="24" CONTENT="2009" WIDTH="46" HPOS="1387" VPOS="1715" ID="st8-832"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1433" VPOS="1715" ID="st8-833"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1444" VPOS="1715" ID="st8-834"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl8-82" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1751" ID="st8-835"/><SP/><String HEIGHT="24" CONTENT="problem" WIDTH="88" HPOS="908" VPOS="1751" ID="st8-836"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="1007" VPOS="1751" ID="st8-837"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="1056" VPOS="1751" ID="st8-838"/><SP/><String HEIGHT="24" CONTENT="played" WIDTH="69" HPOS="1094" VPOS="1751" ID="st8-839"/><SP/><String HEIGHT="24" CONTENT="out" WIDTH="36" HPOS="1174" VPOS="1751" ID="st8-840"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1221" VPOS="1751" ID="st8-841"/><SP/><String HEIGHT="24" CONTENT="highly" WIDTH="64" HPOS="1252" VPOS="1751" ID="st8-842"/><SP/><String HEIGHT="24" CONTENT="specific" WIDTH="78" HPOS="1327" VPOS="1751" ID="st8-843"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1751" ID="st8-844"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl8-83" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="narrow" WIDTH="76" HPOS="858" VPOS="1788" ID="st8-845"/><SP/><String HEIGHT="23" CONTENT="instances" WIDTH="97" HPOS="944" VPOS="1788" ID="st8-846"/><SP/><String HEIGHT="23" CONTENT="like" WIDTH="36" HPOS="1052" VPOS="1788" ID="st8-847"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1098" VPOS="1788" ID="st8-848"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1152" VPOS="1788" ID="st8-849"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1185" VPOS="1788" ID="st8-850"/><String HEIGHT="23" CONTENT="»" WIDTH="13" HPOS="1230" VPOS="1788" ID="st8-851"/><String HEIGHT="23" CONTENT="London" WIDTH="81" HPOS="1243" VPOS="1788" ID="st8-852"/><SP/><String HEIGHT="23" CONTENT="Whale," WIDTH="76" HPOS="1335" VPOS="1788" ID="st8-853"/><String HEIGHT="23" CONTENT="«" WIDTH="13" HPOS="1411" VPOS="1788" ID="st8-854"/><SP/><String HEIGHT="23" CONTENT="or" WIDTH="22" HPOS="1434" VPOS="1788" ID="st8-855"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl8-84" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="858" VPOS="1824" ID="st8-856"/><SP/><String HEIGHT="23" CONTENT="pervasive" WIDTH="97" HPOS="888" VPOS="1824" ID="st8-857"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="995" VPOS="1824" ID="st8-858"/><SP/><String HEIGHT="23" CONTENT="longstanding" WIDTH="139" HPOS="1046" VPOS="1824" ID="st8-859"/><SP/><String HEIGHT="23" CONTENT="company" WIDTH="91" HPOS="1196" VPOS="1824" ID="st8-860"/><String HEIGHT="23" CONTENT="-" WIDTH="13" HPOS="1287" VPOS="1824" ID="st8-861"/><String HEIGHT="23" CONTENT="wide" WIDTH="53" HPOS="1300" VPOS="1824" ID="st8-862"/><SP/><String HEIGHT="23" CONTENT="practices" WIDTH="93" HPOS="1363" VPOS="1824" ID="st8-863"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl8-85" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="like" WIDTH="36" HPOS="858" VPOS="1860" ID="st8-864"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="900" VPOS="1860" ID="st8-865"/><SP/><String HEIGHT="24" CONTENT="accounts" WIDTH="94" HPOS="941" VPOS="1860" ID="st8-866"/><SP/><String HEIGHT="24" CONTENT="scandal" WIDTH="79" HPOS="1042" VPOS="1860" ID="st8-867"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1127" VPOS="1860" ID="st8-868"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="1154" VPOS="1860" ID="st8-869"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="59" HPOS="1217" VPOS="1860" ID="st8-870"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1283" VPOS="1860" ID="st8-871"/><String HEIGHT="24" CONTENT="discussed" WIDTH="97" HPOS="1293" VPOS="1860" ID="st8-872"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1396" VPOS="1860" ID="st8-873"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="1860" ID="st8-874"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl8-86" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="next" WIDTH="46" HPOS="858" VPOS="1896" ID="st8-875"/><SP/><String HEIGHT="24" CONTENT="section" WIDTH="68" HPOS="914" VPOS="1896" ID="st8-876"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="982" VPOS="1896" ID="st8-877"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="992" VPOS="1896" ID="st8-878"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="1012" VPOS="1896" ID="st8-879"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="1042" VPOS="1896" ID="st8-880"/><SP/><String HEIGHT="24" CONTENT="cases" WIDTH="51" HPOS="1102" VPOS="1896" ID="st8-881"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1153" VPOS="1896" ID="st8-882"/><SP/><String HEIGHT="24" CONTENT="shareholders" WIDTH="134" HPOS="1174" VPOS="1896" ID="st8-883"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1318" VPOS="1896" ID="st8-884"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1369" VPOS="1896" ID="st8-885"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="43" HPOS="1413" VPOS="1896" ID="st8-886"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl8-87" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="lost" WIDTH="37" HPOS="858" VPOS="1932" ID="st8-887"/><SP/><String HEIGHT="24" CONTENT="significant" WIDTH="108" HPOS="903" VPOS="1932" ID="st8-888"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="56" HPOS="1019" VPOS="1932" ID="st8-889"/><SP/><String HEIGHT="24" CONTENT="because" WIDTH="86" HPOS="1083" VPOS="1932" ID="st8-890"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1177" VPOS="1932" ID="st8-891"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1207" VPOS="1932" ID="st8-892"/><SP/><String HEIGHT="24" CONTENT="failure" WIDTH="66" HPOS="1227" VPOS="1932" ID="st8-893"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1301" VPOS="1932" ID="st8-894"/><SP/><String HEIGHT="24" CONTENT="internal" WIDTH="81" HPOS="1331" VPOS="1932" ID="st8-895"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1420" VPOS="1932" ID="st8-896"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl8-88" WIDTH="148" HEIGHT="24"><String HEIGHT="24" CONTENT="management" WIDTH="134" HPOS="858" VPOS="1968" ID="st8-897"/><String HEIGHT="24" CONTENT="." WIDTH="14" HPOS="992" VPOS="1968" ID="st8-898"/></TextLine><TextLine HPOS="818" VPOS="2254" ID="tl8-89" WIDTH="16" HEIGHT="28"><String HEIGHT="28" CONTENT="7" WIDTH="16" HPOS="818" VPOS="2254" ID="st8-899"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="9" ID="p840448" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840448" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840448" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl9-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st9-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st9-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st9-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st9-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st9-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st9-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st9-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st9-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st9-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st9-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st9-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st9-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st9-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st9-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st9-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st9-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st9-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st9-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st9-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl9-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="196" VPOS="307" ID="st9-19"/><SP/><String HEIGHT="24" CONTENT="2013" WIDTH="50" HPOS="226" VPOS="307" ID="st9-20"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="276" VPOS="307" ID="st9-21"/><SP/><String HEIGHT="24" CONTENT="JPMorgan" WIDTH="106" HPOS="299" VPOS="307" ID="st9-22"/><SP/><String HEIGHT="24" CONTENT="Chase" WIDTH="66" HPOS="415" VPOS="307" ID="st9-23"/><SP/><String HEIGHT="24" CONTENT="paid" WIDTH="46" HPOS="491" VPOS="307" ID="st9-24"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="547" VPOS="307" ID="st9-25"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="48" HPOS="613" VPOS="307" ID="st9-26"/><SP/><String HEIGHT="24" CONTENT="900" WIDTH="41" HPOS="672" VPOS="307" ID="st9-27"/><SP/><String HEIGHT="24" CONTENT="million" WIDTH="71" HPOS="724" VPOS="307" ID="st9-28"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl9-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="196" VPOS="343" ID="st9-29"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="206" VPOS="343" ID="st9-30"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="217" VPOS="343" ID="st9-31"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="228" VPOS="343" ID="st9-32"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="70" HPOS="246" VPOS="343" ID="st9-33"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="323" VPOS="343" ID="st9-34"/><SP/><String HEIGHT="24" CONTENT="four" WIDTH="44" HPOS="352" VPOS="343" ID="st9-35"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="107" HPOS="403" VPOS="343" ID="st9-36"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="517" VPOS="343" ID="st9-37"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="543" VPOS="343" ID="st9-38"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="585" VPOS="343" ID="st9-39"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="595" VPOS="343" ID="st9-40"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="606" VPOS="343" ID="st9-41"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="617" VPOS="343" ID="st9-42"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="635" VPOS="343" ID="st9-43"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="682" VPOS="343" ID="st9-44"/><SP/><String HEIGHT="24" CONTENT="United" WIDTH="71" HPOS="724" VPOS="343" ID="st9-45"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl9-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Kingdom" WIDTH="91" HPOS="196" VPOS="379" ID="st9-46"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="287" VPOS="379" ID="st9-47"/><SP/><String HEIGHT="24" CONTENT="admitting" WIDTH="103" HPOS="309" VPOS="379" ID="st9-48"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="420" VPOS="379" ID="st9-49"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="472" VPOS="379" ID="st9-50"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="41" HPOS="494" VPOS="379" ID="st9-51"/><SP/><String HEIGHT="24" CONTENT="violated" WIDTH="83" HPOS="543" VPOS="379" ID="st9-52"/><SP/><String HEIGHT="24" CONTENT="securities" WIDTH="97" HPOS="635" VPOS="379" ID="st9-53"/><SP/><String HEIGHT="24" CONTENT="laws" WIDTH="43" HPOS="741" VPOS="379" ID="st9-54"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="379" ID="st9-55"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl9-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="196" VPOS="415" ID="st9-56"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="224" VPOS="415" ID="st9-57"/><SP/><String HEIGHT="24" CONTENT="scandal" WIDTH="79" HPOS="244" VPOS="415" ID="st9-58"/><SP/><String HEIGHT="24" CONTENT="known" WIDTH="74" HPOS="331" VPOS="415" ID="st9-59"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="412" VPOS="415" ID="st9-60"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="442" VPOS="415" ID="st9-61"/><String HEIGHT="24" CONTENT="»" WIDTH="13" HPOS="485" VPOS="415" ID="st9-62"/><String HEIGHT="24" CONTENT="London" WIDTH="82" HPOS="498" VPOS="415" ID="st9-63"/><SP/><String HEIGHT="24" CONTENT="Whale" WIDTH="63" HPOS="587" VPOS="415" ID="st9-64"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="650" VPOS="415" ID="st9-65"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="663" VPOS="415" ID="st9-66"/><SP/><String HEIGHT="24" CONTENT="Bruno" WIDTH="64" HPOS="684" VPOS="415" ID="st9-67"/><SP/><String HEIGHT="24" CONTENT="Iksil" WIDTH="39" HPOS="756" VPOS="415" ID="st9-68"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl9-5" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="earned" WIDTH="74" HPOS="196" VPOS="451" ID="st9-69"/><SP/><String HEIGHT="24" CONTENT="his" WIDTH="29" HPOS="279" VPOS="451" ID="st9-70"/><SP/><String HEIGHT="24" CONTENT="nickname" WIDTH="103" HPOS="317" VPOS="451" ID="st9-71"/><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="429" VPOS="451" ID="st9-72"/><String HEIGHT="24" CONTENT="the" WIDTH="36" HPOS="441" VPOS="451" ID="st9-73"/><SP/><String HEIGHT="24" CONTENT="whale" WIDTH="65" HPOS="486" VPOS="451" ID="st9-74"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="551" VPOS="451" ID="st9-75"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="573" VPOS="451" ID="st9-76"/><SP/><String HEIGHT="24" CONTENT="taking" WIDTH="67" HPOS="606" VPOS="451" ID="st9-77"/><SP/><String HEIGHT="24" CONTENT="large" WIDTH="53" HPOS="682" VPOS="451" ID="st9-78"/><SP/><String HEIGHT="24" CONTENT="posi" WIDTH="42" HPOS="743" VPOS="451" ID="st9-79" SUBS_TYPE="HypPart1" SUBS_CONTENT="positions"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="451" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl9-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="tions" WIDTH="52" HPOS="196" VPOS="488" ID="st9-80" SUBS_TYPE="HypPart2" SUBS_CONTENT="positions"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="255" VPOS="488" ID="st9-81"/><SP/><String HEIGHT="23" CONTENT="thinly" WIDTH="59" HPOS="282" VPOS="488" ID="st9-82"/><SP/><String HEIGHT="23" CONTENT="traded" WIDTH="69" HPOS="348" VPOS="488" ID="st9-83"/><SP/><String HEIGHT="23" CONTENT="markets" WIDTH="85" HPOS="425" VPOS="488" ID="st9-84"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="517" VPOS="488" ID="st9-85"/><SP/><String HEIGHT="23" CONTENT="then" WIDTH="48" HPOS="568" VPOS="488" ID="st9-86"/><SP/><String HEIGHT="23" CONTENT="became" WIDTH="83" HPOS="624" VPOS="488" ID="st9-87"/><SP/><String HEIGHT="23" CONTENT="difficult" WIDTH="80" HPOS="715" VPOS="488" ID="st9-88"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl9-7" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="196" VPOS="524" ID="st9-89"/><SP/><String HEIGHT="23" CONTENT="unwind" WIDTH="75" HPOS="228" VPOS="524" ID="st9-90"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="303" VPOS="524" ID="st9-91"/><SP/><String HEIGHT="23" CONTENT="While" WIDTH="61" HPOS="325" VPOS="524" ID="st9-92"/><SP/><String HEIGHT="23" CONTENT="working" WIDTH="87" HPOS="396" VPOS="524" ID="st9-93"/><SP/><String HEIGHT="23" CONTENT="under" WIDTH="62" HPOS="493" VPOS="524" ID="st9-94"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="565" VPOS="524" ID="st9-95"/><SP/><String HEIGHT="23" CONTENT="CIO" WIDTH="40" HPOS="609" VPOS="524" ID="st9-96"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="659" VPOS="524" ID="st9-97"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="691" VPOS="524" ID="st9-98"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="48" HPOS="735" VPOS="524" ID="st9-99"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="783" VPOS="524" ID="st9-100"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl9-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Iksil" WIDTH="39" HPOS="196" VPOS="560" ID="st9-101"/><SP/><String HEIGHT="24" CONTENT="lost" WIDTH="37" HPOS="246" VPOS="560" ID="st9-102"/><SP/><String HEIGHT="24" CONTENT="6" WIDTH="11" HPOS="294" VPOS="560" ID="st9-103"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="305" VPOS="560" ID="st9-104"/><String HEIGHT="24" CONTENT="2" WIDTH="12" HPOS="317" VPOS="560" ID="st9-105"/><SP/><String HEIGHT="24" CONTENT="billion" WIDTH="64" HPOS="339" VPOS="560" ID="st9-106"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="414" VPOS="560" ID="st9-107"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="424" VPOS="560" ID="st9-108"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="435" VPOS="560" ID="st9-109"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="446" VPOS="560" ID="st9-110"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="69" HPOS="468" VPOS="560" ID="st9-111"/><SP/><String HEIGHT="24" CONTENT="gambling" WIDTH="100" HPOS="548" VPOS="560" ID="st9-112"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="658" VPOS="560" ID="st9-113"/><SP/><String HEIGHT="24" CONTENT="risky" WIDTH="47" HPOS="697" VPOS="560" ID="st9-114"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="755" VPOS="560" ID="st9-115"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl9-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="complex" WIDTH="89" HPOS="196" VPOS="596" ID="st9-116"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="295" VPOS="596" ID="st9-117"/><SP/><String HEIGHT="24" CONTENT="instruments" WIDTH="121" HPOS="393" VPOS="596" ID="st9-118"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="514" VPOS="596" ID="st9-119"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="38" HPOS="535" VPOS="596" ID="st9-120"/><SP/><String HEIGHT="24" CONTENT="charges" WIDTH="82" HPOS="583" VPOS="596" ID="st9-121"/><SP/><String HEIGHT="24" CONTENT="filed" WIDTH="46" HPOS="674" VPOS="596" ID="st9-122"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="730" VPOS="596" ID="st9-123"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="596" ID="st9-124"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl9-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="time" WIDTH="48" HPOS="196" VPOS="632" ID="st9-125"/><SP/><String HEIGHT="24" CONTENT="indicated" WIDTH="98" HPOS="255" VPOS="632" ID="st9-126"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="365" VPOS="632" ID="st9-127"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="420" VPOS="632" ID="st9-128"/><SP/><String HEIGHT="24" CONTENT="risks" WIDTH="46" HPOS="466" VPOS="632" ID="st9-129"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="524" VPOS="632" ID="st9-130"/><SP/><String HEIGHT="24" CONTENT="losses" WIDTH="61" HPOS="576" VPOS="632" ID="st9-131"/><SP/><String HEIGHT="24" CONTENT="taken" WIDTH="60" HPOS="649" VPOS="632" ID="st9-132"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="26" HPOS="720" VPOS="632" ID="st9-133"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="757" VPOS="632" ID="st9-134"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl9-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="group" WIDTH="64" HPOS="196" VPOS="668" ID="st9-135"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="267" VPOS="668" ID="st9-136"/><SP/><String HEIGHT="24" CONTENT="traders" WIDTH="74" HPOS="296" VPOS="668" ID="st9-137"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="377" VPOS="668" ID="st9-138"/><SP/><String HEIGHT="24" CONTENT="hidden" WIDTH="74" HPOS="436" VPOS="668" ID="st9-139"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="517" VPOS="668" ID="st9-140"/><SP/><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="575" VPOS="668" ID="st9-141"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="135" HPOS="646" VPOS="668" ID="st9-142"/><String HEIGHT="24" CONTENT="." WIDTH="14" HPOS="781" VPOS="668" ID="st9-143"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl9-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Later" WIDTH="48" HPOS="196" VPOS="704" ID="st9-144"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="244" VPOS="704" ID="st9-145"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="263" VPOS="704" ID="st9-146"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="347" VPOS="704" ID="st9-147"/><SP/><String HEIGHT="24" CONTENT="Iksil" WIDTH="39" HPOS="369" VPOS="704" ID="st9-148"/><SP/><String HEIGHT="24" CONTENT="went" WIDTH="54" HPOS="418" VPOS="704" ID="st9-149"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="481" VPOS="704" ID="st9-150"/><SP/><String HEIGHT="24" CONTENT="record" WIDTH="67" HPOS="519" VPOS="704" ID="st9-151"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="595" VPOS="704" ID="st9-152"/><SP/><String HEIGHT="24" CONTENT="indicated" WIDTH="97" HPOS="645" VPOS="704" ID="st9-153"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="752" VPOS="704" ID="st9-154"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl9-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="196" VPOS="740" ID="st9-155"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="270" VPOS="740" ID="st9-156"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="421" VPOS="740" ID="st9-157"/><SP/><String HEIGHT="24" CONTENT="aware" WIDTH="65" HPOS="473" VPOS="740" ID="st9-158"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="547" VPOS="740" ID="st9-159"/><SP/><String HEIGHT="24" CONTENT="his" WIDTH="30" HPOS="579" VPOS="740" ID="st9-160"/><SP/><String HEIGHT="24" CONTENT="trading" WIDTH="77" HPOS="618" VPOS="740" ID="st9-161"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="704" VPOS="740" ID="st9-162"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="40" HPOS="755" VPOS="740" ID="st9-163"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl9-14" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="directed" WIDTH="86" HPOS="196" VPOS="776" ID="st9-164"/><SP/><String HEIGHT="24" CONTENT="him" WIDTH="41" HPOS="292" VPOS="776" ID="st9-165"/><SP/><String HEIGHT="24" CONTENT="specifically" WIDTH="113" HPOS="343" VPOS="776" ID="st9-166"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="466" VPOS="776" ID="st9-167"/><SP/><String HEIGHT="24" CONTENT="trade" WIDTH="55" HPOS="499" VPOS="776" ID="st9-168"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="565" VPOS="776" ID="st9-169"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="595" VPOS="776" ID="st9-170"/><SP/><String HEIGHT="24" CONTENT="manner" WIDTH="76" HPOS="648" VPOS="776" ID="st9-171"/><String HEIGHT="24" CONTENT=":" WIDTH="13" HPOS="724" VPOS="776" ID="st9-172"/><String HEIGHT="24" CONTENT="»" WIDTH="15" HPOS="748" VPOS="776" ID="st9-173"/><String HEIGHT="24" CONTENT="My" WIDTH="32" HPOS="763" VPOS="776" ID="st9-174"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl9-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="role" WIDTH="40" HPOS="196" VPOS="813" ID="st9-175"/><SP/><String HEIGHT="23" CONTENT="was" WIDTH="41" HPOS="242" VPOS="813" ID="st9-176"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="289" VPOS="813" ID="st9-177"/><SP/><String HEIGHT="23" CONTENT="execute" WIDTH="82" HPOS="317" VPOS="813" ID="st9-178"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="404" VPOS="813" ID="st9-179"/><SP/><String HEIGHT="23" CONTENT="trading" WIDTH="77" HPOS="422" VPOS="813" ID="st9-180"/><SP/><String HEIGHT="23" CONTENT="strategy" WIDTH="85" HPOS="504" VPOS="813" ID="st9-181"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="595" VPOS="813" ID="st9-182"/><SP/><String HEIGHT="23" CONTENT="had" WIDTH="41" HPOS="643" VPOS="813" ID="st9-183"/><SP/><String HEIGHT="23" CONTENT="been" WIDTH="53" HPOS="689" VPOS="813" ID="st9-184"/><SP/><String HEIGHT="23" CONTENT="initi" WIDTH="40" HPOS="748" VPOS="813" ID="st9-185" SUBS_TYPE="HypPart1" SUBS_CONTENT="initiated"/><HYP CONTENT="-" WIDTH="7" HPOS="788" VPOS="813" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl9-16" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="ated" WIDTH="44" HPOS="196" VPOS="849" ID="st9-186" SUBS_TYPE="HypPart2" SUBS_CONTENT="initiated"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="240" VPOS="849" ID="st9-187"/><SP/><String HEIGHT="23" CONTENT="approved" WIDTH="94" HPOS="260" VPOS="849" ID="st9-188"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="354" VPOS="849" ID="st9-189"/><SP/><String HEIGHT="23" CONTENT="mandated" WIDTH="108" HPOS="376" VPOS="849" ID="st9-190"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="493" VPOS="849" ID="st9-191"/><SP/><String HEIGHT="23" CONTENT="monitored" WIDTH="110" HPOS="543" VPOS="849" ID="st9-192"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="662" VPOS="849" ID="st9-193"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="697" VPOS="849" ID="st9-194"/><SP/><String HEIGHT="23" CONTENT="CIO" WIDTH="32" HPOS="741" VPOS="849" ID="st9-195"/><String HEIGHT="23" CONTENT="’" WIDTH="11" HPOS="773" VPOS="849" ID="st9-196"/><String HEIGHT="23" CONTENT="s" WIDTH="11" HPOS="784" VPOS="849" ID="st9-197"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl9-17" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="196" VPOS="885" ID="st9-198"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="270" VPOS="885" ID="st9-199"/><String HEIGHT="24" CONTENT="«" WIDTH="15" HPOS="411" VPOS="885" ID="st9-200"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="435" VPOS="885" ID="st9-201"/><String HEIGHT="24" CONTENT="McNulty" WIDTH="84" HPOS="447" VPOS="885" ID="st9-202"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="541" VPOS="885" ID="st9-203"/><SP/><String HEIGHT="24" CONTENT="Zuckerman" WIDTH="112" HPOS="591" VPOS="885" ID="st9-204"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="703" VPOS="885" ID="st9-205"/><SP/><String HEIGHT="24" CONTENT="2012" WIDTH="46" HPOS="725" VPOS="885" ID="st9-206"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="771" VPOS="885" ID="st9-207"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="783" VPOS="885" ID="st9-208"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl9-18" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Whether" WIDTH="93" HPOS="196" VPOS="921" ID="st9-209"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="298" VPOS="921" ID="st9-210"/><SP/><String HEIGHT="24" CONTENT="losses" WIDTH="61" HPOS="342" VPOS="921" ID="st9-211"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="41" HPOS="412" VPOS="921" ID="st9-212"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="52" HPOS="462" VPOS="921" ID="st9-213"/><SP/><String HEIGHT="24" CONTENT="hidden" WIDTH="74" HPOS="523" VPOS="921" ID="st9-214"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="606" VPOS="921" ID="st9-215"/><SP/><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="666" VPOS="921" ID="st9-216"/><SP/><String HEIGHT="24" CONTENT="man" WIDTH="42" HPOS="739" VPOS="921" ID="st9-217" SUBS_TYPE="HypPart1" SUBS_CONTENT="management"/><HYP CONTENT="-" WIDTH="14" HPOS="781" VPOS="921" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="957" ID="tl9-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="agement" WIDTH="95" HPOS="196" VPOS="957" ID="st9-218" SUBS_TYPE="HypPart2" SUBS_CONTENT="management"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="296" VPOS="957" ID="st9-219"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="324" VPOS="957" ID="st9-220"/><SP/><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="354" VPOS="957" ID="st9-221"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="134" HPOS="424" VPOS="957" ID="st9-222"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="558" VPOS="957" ID="st9-223"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="578" VPOS="957" ID="st9-224"/><SP/><String HEIGHT="24" CONTENT="fact" WIDTH="40" HPOS="618" VPOS="957" ID="st9-225"/><SP/><String HEIGHT="24" CONTENT="remains" WIDTH="83" HPOS="663" VPOS="957" ID="st9-226"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="752" VPOS="957" ID="st9-227"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl9-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="there" WIDTH="55" HPOS="196" VPOS="993" ID="st9-228"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="259" VPOS="993" ID="st9-229"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="309" VPOS="993" ID="st9-230"/><SP/><String HEIGHT="24" CONTENT="material" WIDTH="86" HPOS="329" VPOS="993" ID="st9-231"/><SP/><String HEIGHT="24" CONTENT="breakdown" WIDTH="120" HPOS="423" VPOS="993" ID="st9-232"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="551" VPOS="993" ID="st9-233"/><SP/><String HEIGHT="24" CONTENT="internal" WIDTH="81" HPOS="578" VPOS="993" ID="st9-234"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="667" VPOS="993" ID="st9-235"/><SP/><String HEIGHT="24" CONTENT="controls" WIDTH="85" HPOS="710" VPOS="993" ID="st9-236"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl9-21" WIDTH="288" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1029" ID="st9-237"/><SP/><String HEIGHT="24" CONTENT="corporate" WIDTH="102" HPOS="244" VPOS="1029" ID="st9-238"/><SP/><String HEIGHT="24" CONTENT="governance" WIDTH="119" HPOS="353" VPOS="1029" ID="st9-239"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="472" VPOS="1029" ID="st9-240"/></TextLine><TextLine HPOS="416" VPOS="1134" ID="tl9-22" WIDTH="379" HEIGHT="29"><String HEIGHT="29" CONTENT="Workers" WIDTH="102" HPOS="416" VPOS="1134" ID="st9-241"/><String HEIGHT="29" CONTENT="’" WIDTH="15" HPOS="518" VPOS="1134" ID="st9-242"/><SP/><String HEIGHT="29" CONTENT="Role" WIDTH="56" HPOS="541" VPOS="1134" ID="st9-243"/><SP/><String HEIGHT="29" CONTENT="in" WIDTH="24" HPOS="606" VPOS="1134" ID="st9-244"/><SP/><String HEIGHT="29" CONTENT="Governance" WIDTH="157" HPOS="638" VPOS="1134" ID="st9-245"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl9-23" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="196" VPOS="1210" ID="st9-246"/><SP/><String HEIGHT="24" CONTENT="United" WIDTH="71" HPOS="246" VPOS="1210" ID="st9-247"/><SP/><String HEIGHT="24" CONTENT="States" WIDTH="64" HPOS="327" VPOS="1210" ID="st9-248"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="401" VPOS="1210" ID="st9-249"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="427" VPOS="1210" ID="st9-250"/><SP/><String HEIGHT="24" CONTENT="outlier" WIDTH="68" HPOS="464" VPOS="1210" ID="st9-251"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="542" VPOS="1210" ID="st9-252"/><SP/><String HEIGHT="24" CONTENT="terms" WIDTH="60" HPOS="572" VPOS="1210" ID="st9-253"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="642" VPOS="1210" ID="st9-254"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="675" VPOS="1210" ID="st9-255"/><SP/><String HEIGHT="24" CONTENT="world" WIDTH="53" HPOS="720" VPOS="1210" ID="st9-256"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="773" VPOS="1210" ID="st9-257"/><String HEIGHT="24" CONTENT="s" WIDTH="11" HPOS="784" VPOS="1210" ID="st9-258"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl9-24" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="major" WIDTH="62" HPOS="196" VPOS="1246" ID="st9-259"/><SP/><String HEIGHT="24" CONTENT="open" WIDTH="54" HPOS="270" VPOS="1246" ID="st9-260"/><SP/><String HEIGHT="24" CONTENT="economies" WIDTH="114" HPOS="337" VPOS="1246" ID="st9-261"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="464" VPOS="1246" ID="st9-262"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="495" VPOS="1246" ID="st9-263"/><SP/><String HEIGHT="24" CONTENT="lack" WIDTH="42" HPOS="531" VPOS="1246" ID="st9-264"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="585" VPOS="1246" ID="st9-265"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="620" VPOS="1246" ID="st9-266"/><SP/><String HEIGHT="24" CONTENT="independent" WIDTH="135" HPOS="659" VPOS="1246" ID="st9-267"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl9-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="worker" WIDTH="76" HPOS="196" VPOS="1282" ID="st9-268"/><SP/><String HEIGHT="24" CONTENT="voice" WIDTH="54" HPOS="284" VPOS="1282" ID="st9-269"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="350" VPOS="1282" ID="st9-270"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="392" VPOS="1282" ID="st9-271"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="457" VPOS="1282" ID="st9-272"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="537" VPOS="1282" ID="st9-273"/><SP/><String HEIGHT="24" CONTENT="And" WIDTH="39" HPOS="561" VPOS="1282" ID="st9-274"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="600" VPOS="1282" ID="st9-275"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="625" VPOS="1282" ID="st9-276"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="659" VPOS="1282" ID="st9-277"/><SP/><String HEIGHT="24" CONTENT="previous" WIDTH="89" HPOS="706" VPOS="1282" ID="st9-278"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl9-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="section" WIDTH="75" HPOS="196" VPOS="1318" ID="st9-279"/><SP/><String HEIGHT="24" CONTENT="illustrated" WIDTH="101" HPOS="278" VPOS="1318" ID="st9-280"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="379" VPOS="1318" ID="st9-281"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="396" VPOS="1318" ID="st9-282"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="107" HPOS="453" VPOS="1318" ID="st9-283"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="567" VPOS="1318" ID="st9-284"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="614" VPOS="1318" ID="st9-285"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="684" VPOS="1318" ID="st9-286"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="710" VPOS="1318" ID="st9-287"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="752" VPOS="1318" ID="st9-288"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="762" VPOS="1318" ID="st9-289"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="773" VPOS="1318" ID="st9-290"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="1318" ID="st9-291"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl9-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="196" VPOS="1354" ID="st9-292"/><SP/><String HEIGHT="24" CONTENT="struggled" WIDTH="100" HPOS="254" VPOS="1354" ID="st9-293"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="361" VPOS="1354" ID="st9-294"/><SP/><String HEIGHT="24" CONTENT="effectively" WIDTH="106" HPOS="390" VPOS="1354" ID="st9-295"/><SP/><String HEIGHT="24" CONTENT="oversee" WIDTH="80" HPOS="504" VPOS="1354" ID="st9-296"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="591" VPOS="1354" ID="st9-297"/><SP/><String HEIGHT="24" CONTENT="manage" WIDTH="86" HPOS="639" VPOS="1354" ID="st9-298"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="732" VPOS="1354" ID="st9-299"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1354" ID="st9-300"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl9-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1390" ID="st9-301"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="237" VPOS="1390" ID="st9-302"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="58" HPOS="333" VPOS="1390" ID="st9-303"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="391" VPOS="1390" ID="st9-304"/><SP/><String HEIGHT="24" CONTENT="At" WIDTH="25" HPOS="407" VPOS="1390" ID="st9-305"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="439" VPOS="1390" ID="st9-306"/><SP/><String HEIGHT="24" CONTENT="core" WIDTH="45" HPOS="480" VPOS="1390" ID="st9-307"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="531" VPOS="1390" ID="st9-308"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="560" VPOS="1390" ID="st9-309"/><SP/><String HEIGHT="24" CONTENT="oversight" WIDTH="97" HPOS="604" VPOS="1390" ID="st9-310"/><SP/><String HEIGHT="24" CONTENT="failure" WIDTH="66" HPOS="707" VPOS="1390" ID="st9-311"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="779" VPOS="1390" ID="st9-312"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl9-29" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1426" ID="st9-313"/><SP/><String HEIGHT="24" CONTENT="inability" WIDTH="82" HPOS="240" VPOS="1426" ID="st9-314"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="331" VPOS="1426" ID="st9-315"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="362" VPOS="1426" ID="st9-316"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="114" HPOS="459" VPOS="1426" ID="st9-317"/><String HEIGHT="24" CONTENT="’" WIDTH="10" HPOS="573" VPOS="1426" ID="st9-318"/><SP/><String HEIGHT="24" CONTENT="boards" WIDTH="72" HPOS="592" VPOS="1426" ID="st9-319"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="672" VPOS="1426" ID="st9-320"/><SP/><String HEIGHT="24" CONTENT="directors" WIDTH="91" HPOS="704" VPOS="1426" ID="st9-321"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl9-30" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="196" VPOS="1463" ID="st9-322"/><SP/><String HEIGHT="23" CONTENT="provide" WIDTH="79" HPOS="226" VPOS="1463" ID="st9-323"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="312" VPOS="1463" ID="st9-324"/><SP/><String HEIGHT="23" CONTENT="sufficient" WIDTH="96" HPOS="332" VPOS="1463" ID="st9-325"/><SP/><String HEIGHT="23" CONTENT="check" WIDTH="61" HPOS="436" VPOS="1463" ID="st9-326"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="504" VPOS="1463" ID="st9-327"/><SP/><String HEIGHT="23" CONTENT="bad" WIDTH="41" HPOS="539" VPOS="1463" ID="st9-328"/><SP/><String HEIGHT="23" CONTENT="actors" WIDTH="60" HPOS="587" VPOS="1463" ID="st9-329"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="647" VPOS="1463" ID="st9-330"/><SP/><String HEIGHT="23" CONTENT="At" WIDTH="25" HPOS="665" VPOS="1463" ID="st9-331"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="697" VPOS="1463" ID="st9-332"/><SP/><String HEIGHT="23" CONTENT="same" WIDTH="56" HPOS="739" VPOS="1463" ID="st9-333"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl9-31" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="time" WIDTH="44" HPOS="196" VPOS="1499" ID="st9-334"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="240" VPOS="1499" ID="st9-335"/><SP/><String HEIGHT="23" CONTENT="firms" WIDTH="53" HPOS="263" VPOS="1499" ID="st9-336"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="51" HPOS="327" VPOS="1499" ID="st9-337"/><SP/><String HEIGHT="23" CONTENT="been" WIDTH="53" HPOS="389" VPOS="1499" ID="st9-338"/><SP/><String HEIGHT="23" CONTENT="largely" WIDTH="70" HPOS="454" VPOS="1499" ID="st9-339"/><SP/><String HEIGHT="23" CONTENT="unable" WIDTH="72" HPOS="536" VPOS="1499" ID="st9-340"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="620" VPOS="1499" ID="st9-341"/><String HEIGHT="23" CONTENT="»" WIDTH="10" HPOS="654" VPOS="1499" ID="st9-342"/><String HEIGHT="23" CONTENT="establish" WIDTH="97" HPOS="664" VPOS="1499" ID="st9-343"/><SP/><String HEIGHT="23" CONTENT="or" WIDTH="23" HPOS="772" VPOS="1499" ID="st9-344"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl9-32" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="maintain" WIDTH="93" HPOS="196" VPOS="1535" ID="st9-345"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="295" VPOS="1535" ID="st9-346"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="89" HPOS="328" VPOS="1535" ID="st9-347"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="83" HPOS="423" VPOS="1535" ID="st9-348"/><SP/><String HEIGHT="24" CONTENT="workplace" WIDTH="110" HPOS="512" VPOS="1535" ID="st9-349"/><SP/><String HEIGHT="24" CONTENT="culture" WIDTH="73" HPOS="628" VPOS="1535" ID="st9-350"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="707" VPOS="1535" ID="st9-351"/><SP/><String HEIGHT="24" CONTENT="ap" WIDTH="24" HPOS="760" VPOS="1535" ID="st9-352" SUBS_TYPE="HypPart1" SUBS_CONTENT="appropriate"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1535" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl9-33" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="propriate" WIDTH="97" HPOS="196" VPOS="1571" ID="st9-353" SUBS_TYPE="HypPart2" SUBS_CONTENT="appropriate"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="298" VPOS="1571" ID="st9-354"/><SP/><String HEIGHT="24" CONTENT="governance" WIDTH="124" HPOS="339" VPOS="1571" ID="st9-355"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="468" VPOS="1571" ID="st9-356"/><SP/><String HEIGHT="24" CONTENT="controls" WIDTH="86" HPOS="514" VPOS="1571" ID="st9-357"/><String HEIGHT="24" CONTENT="«" WIDTH="11" HPOS="600" VPOS="1571" ID="st9-358"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="617" VPOS="1571" ID="st9-359"/><String HEIGHT="24" CONTENT="Heltman" WIDTH="81" HPOS="628" VPOS="1571" ID="st9-360"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="709" VPOS="1571" ID="st9-361"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="726" VPOS="1571" ID="st9-362"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="772" VPOS="1571" ID="st9-363"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="783" VPOS="1571" ID="st9-364"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl9-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="196" VPOS="1643" ID="st9-365"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="107" HPOS="257" VPOS="1643" ID="st9-366"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="364" VPOS="1643" ID="st9-367"/><SP/><String HEIGHT="24" CONTENT="regardless" WIDTH="106" HPOS="383" VPOS="1643" ID="st9-368"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="497" VPOS="1643" ID="st9-369"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="526" VPOS="1643" ID="st9-370"/><SP/><String HEIGHT="24" CONTENT="status" WIDTH="60" HPOS="582" VPOS="1643" ID="st9-371"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="642" VPOS="1643" ID="st9-372"/><SP/><String HEIGHT="24" CONTENT="often" WIDTH="57" HPOS="659" VPOS="1643" ID="st9-373"/><SP/><String HEIGHT="24" CONTENT="do" WIDTH="28" HPOS="723" VPOS="1643" ID="st9-374"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="36" HPOS="759" VPOS="1643" ID="st9-375"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl9-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="feel" WIDTH="39" HPOS="196" VPOS="1679" ID="st9-376"/><SP/><String HEIGHT="24" CONTENT="safe" WIDTH="43" HPOS="247" VPOS="1679" ID="st9-377"/><SP/><String HEIGHT="24" CONTENT="enough" WIDTH="83" HPOS="301" VPOS="1679" ID="st9-378"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="395" VPOS="1679" ID="st9-379"/><SP/><String HEIGHT="24" CONTENT="speak" WIDTH="61" HPOS="429" VPOS="1679" ID="st9-380"/><SP/><String HEIGHT="24" CONTENT="up" WIDTH="28" HPOS="501" VPOS="1679" ID="st9-381"/><SP/><String HEIGHT="24" CONTENT="about" WIDTH="62" HPOS="541" VPOS="1679" ID="st9-382"/><SP/><String HEIGHT="24" CONTENT="misconduct" WIDTH="118" HPOS="615" VPOS="1679" ID="st9-383"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="733" VPOS="1679" ID="st9-384"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="756" VPOS="1679" ID="st9-385"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl9-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="CEO" WIDTH="48" HPOS="196" VPOS="1715" ID="st9-386"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="250" VPOS="1715" ID="st9-387"/><SP/><String HEIGHT="24" CONTENT="Morgan" WIDTH="85" HPOS="279" VPOS="1715" ID="st9-388"/><SP/><String HEIGHT="24" CONTENT="Stanley" WIDTH="70" HPOS="370" VPOS="1715" ID="st9-389"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="440" VPOS="1715" ID="st9-390"/><SP/><String HEIGHT="24" CONTENT="James" WIDTH="64" HPOS="458" VPOS="1715" ID="st9-391"/><SP/><String HEIGHT="24" CONTENT="Gorman" WIDTH="81" HPOS="528" VPOS="1715" ID="st9-392"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="609" VPOS="1715" ID="st9-393"/><SP/><String HEIGHT="24" CONTENT="recognized" WIDTH="116" HPOS="629" VPOS="1715" ID="st9-394"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="752" VPOS="1715" ID="st9-395"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl9-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="196" VPOS="1751" ID="st9-396"/><SP/><String HEIGHT="24" CONTENT="fall" WIDTH="32" HPOS="268" VPOS="1751" ID="st9-397"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="42" HPOS="310" VPOS="1751" ID="st9-398"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="361" VPOS="1751" ID="st9-399"/><SP/><String HEIGHT="24" CONTENT="same" WIDTH="56" HPOS="405" VPOS="1751" ID="st9-400"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="471" VPOS="1751" ID="st9-401"/><String HEIGHT="24" CONTENT="tyranny" WIDTH="82" HPOS="482" VPOS="1751" ID="st9-402"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="573" VPOS="1751" ID="st9-403"/><SP/><String HEIGHT="24" CONTENT="success" WIDTH="80" HPOS="605" VPOS="1751" ID="st9-404"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="685" VPOS="1751" ID="st9-405"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="706" VPOS="1751" ID="st9-406"/><SP/><String HEIGHT="24" CONTENT="other" WIDTH="57" HPOS="738" VPOS="1751" ID="st9-407"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl9-38" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="companies" WIDTH="115" HPOS="196" VPOS="1788" ID="st9-408"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="323" VPOS="1788" ID="st9-409"/><SP/><String HEIGHT="23" CONTENT="assume" WIDTH="80" HPOS="375" VPOS="1788" ID="st9-410"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="467" VPOS="1788" ID="st9-411"/><SP/><String HEIGHT="23" CONTENT="because" WIDTH="87" HPOS="522" VPOS="1788" ID="st9-412"/><SP/><String HEIGHT="23" CONTENT="they" WIDTH="46" HPOS="621" VPOS="1788" ID="st9-413"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="679" VPOS="1788" ID="st9-414"/><SP/><String HEIGHT="23" CONTENT="been" WIDTH="53" HPOS="742" VPOS="1788" ID="st9-415"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl9-39" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="doing" WIDTH="62" HPOS="196" VPOS="1824" ID="st9-416"/><SP/><String HEIGHT="23" CONTENT="business" WIDTH="89" HPOS="264" VPOS="1824" ID="st9-417"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="360" VPOS="1824" ID="st9-418"/><SP/><String HEIGHT="23" CONTENT="certain" WIDTH="72" HPOS="379" VPOS="1824" ID="st9-419"/><SP/><String HEIGHT="23" CONTENT="way" WIDTH="43" HPOS="458" VPOS="1824" ID="st9-420"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="30" HPOS="508" VPOS="1824" ID="st9-421"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="545" VPOS="1824" ID="st9-422"/><SP/><String HEIGHT="23" CONTENT="long" WIDTH="47" HPOS="564" VPOS="1824" ID="st9-423"/><SP/><String HEIGHT="23" CONTENT="time" WIDTH="47" HPOS="618" VPOS="1824" ID="st9-424"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="672" VPOS="1824" ID="st9-425"/><SP/><String HEIGHT="23" CONTENT="it" WIDTH="14" HPOS="721" VPOS="1824" ID="st9-426"/><SP/><String HEIGHT="23" CONTENT="must" WIDTH="53" HPOS="742" VPOS="1824" ID="st9-427"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl9-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="be" WIDTH="27" HPOS="196" VPOS="1860" ID="st9-428"/><SP/><String HEIGHT="24" CONTENT="right" WIDTH="47" HPOS="232" VPOS="1860" ID="st9-429"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="279" VPOS="1860" ID="st9-430"/><SP/><String HEIGHT="24" CONTENT="For" WIDTH="34" HPOS="297" VPOS="1860" ID="st9-431"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="83" HPOS="340" VPOS="1860" ID="st9-432"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="423" VPOS="1860" ID="st9-433"/><SP/><String HEIGHT="24" CONTENT="Gorman" WIDTH="88" HPOS="444" VPOS="1860" ID="st9-434"/><SP/><String HEIGHT="24" CONTENT="pointed" WIDTH="82" HPOS="540" VPOS="1860" ID="st9-435"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="631" VPOS="1860" ID="st9-436"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="662" VPOS="1860" ID="st9-437"/><SP/><String HEIGHT="24" CONTENT="business" WIDTH="89" HPOS="706" VPOS="1860" ID="st9-438"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl9-41" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="practices" WIDTH="94" HPOS="196" VPOS="1896" ID="st9-439"/><SP/><String HEIGHT="24" CONTENT="associated" WIDTH="111" HPOS="303" VPOS="1896" ID="st9-440"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="427" VPOS="1896" ID="st9-441"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="487" VPOS="1896" ID="st9-442"/><SP/><String HEIGHT="24" CONTENT="mortgage" WIDTH="105" HPOS="535" VPOS="1896" ID="st9-443"/><SP/><String HEIGHT="24" CONTENT="securitization" WIDTH="142" HPOS="653" VPOS="1896" ID="st9-444"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl9-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="196" VPOS="1932" ID="st9-445"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="280" VPOS="1932" ID="st9-446"/><SP/><String HEIGHT="24" CONTENT="misleading" WIDTH="114" HPOS="329" VPOS="1932" ID="st9-447"/><SP/><String HEIGHT="24" CONTENT="products" WIDTH="92" HPOS="452" VPOS="1932" ID="st9-448"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="553" VPOS="1932" ID="st9-449"/><SP/><String HEIGHT="24" CONTENT="prior" WIDTH="50" HPOS="612" VPOS="1932" ID="st9-450"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="670" VPOS="1932" ID="st9-451"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="701" VPOS="1932" ID="st9-452"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="50" HPOS="745" VPOS="1932" ID="st9-453"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl9-43" WIDTH="204" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="196" VPOS="1968" ID="st9-454"/><String HEIGHT="24" CONTENT="Broughton" WIDTH="105" HPOS="207" VPOS="1968" ID="st9-455"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="312" VPOS="1968" ID="st9-456"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="331" VPOS="1968" ID="st9-457"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="377" VPOS="1968" ID="st9-458"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="388" VPOS="1968" ID="st9-459"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl9-44" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Given" WIDTH="61" HPOS="858" VPOS="307" ID="st9-460"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="925" VPOS="307" ID="st9-461"/><SP/><String HEIGHT="24" CONTENT="intractability" WIDTH="131" HPOS="966" VPOS="307" ID="st9-462"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1103" VPOS="307" ID="st9-463"/><SP/><String HEIGHT="24" CONTENT="seriousness" WIDTH="119" HPOS="1150" VPOS="307" ID="st9-464"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1275" VPOS="307" ID="st9-465"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1304" VPOS="307" ID="st9-466"/><SP/><String HEIGHT="24" CONTENT="challenges" WIDTH="111" HPOS="1345" VPOS="307" ID="st9-467"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl9-45" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="343" ID="st9-468"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="886" VPOS="343" ID="st9-469"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="928" VPOS="343" ID="st9-470"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1076" VPOS="343" ID="st9-471"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1102" VPOS="343" ID="st9-472"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1143" VPOS="343" ID="st9-473"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="58" HPOS="1238" VPOS="343" ID="st9-474"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1296" VPOS="343" ID="st9-475"/><SP/><String HEIGHT="24" CONTENT="policy" WIDTH="61" HPOS="1313" VPOS="343" ID="st9-476"/><SP/><String HEIGHT="24" CONTENT="makers" WIDTH="76" HPOS="1380" VPOS="343" ID="st9-477"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl9-46" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="should" WIDTH="71" HPOS="858" VPOS="379" ID="st9-478"/><SP/><String HEIGHT="24" CONTENT="consider" WIDTH="89" HPOS="936" VPOS="379" ID="st9-479"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1031" VPOS="379" ID="st9-480"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="1073" VPOS="379" ID="st9-481"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1120" VPOS="379" ID="st9-482"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="1212" VPOS="379" ID="st9-483"/><SP/><String HEIGHT="24" CONTENT="play" WIDTH="43" HPOS="1277" VPOS="379" ID="st9-484"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1327" VPOS="379" ID="st9-485"/><SP/><String HEIGHT="24" CONTENT="corporate" WIDTH="103" HPOS="1353" VPOS="379" ID="st9-486"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl9-47" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="governance" WIDTH="123" HPOS="858" VPOS="415" ID="st9-487"/><SP/><String HEIGHT="24" CONTENT="solutions" WIDTH="93" HPOS="985" VPOS="415" ID="st9-488"/><SP/><String HEIGHT="24" CONTENT="if" WIDTH="14" HPOS="1082" VPOS="415" ID="st9-489"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="111" HPOS="1100" VPOS="415" ID="st9-490"/><SP/><String HEIGHT="24" CONTENT="feel" WIDTH="39" HPOS="1215" VPOS="415" ID="st9-491"/><SP/><String HEIGHT="24" CONTENT="safe" WIDTH="43" HPOS="1258" VPOS="415" ID="st9-492"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1305" VPOS="415" ID="st9-493"/><SP/><String HEIGHT="24" CONTENT="supported" WIDTH="107" HPOS="1349" VPOS="415" ID="st9-494"/></TextLine><TextLine HPOS="858" VPOS="451" ID="tl9-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="858" VPOS="451" ID="st9-495"/><SP/><String HEIGHT="24" CONTENT="doing" WIDTH="61" HPOS="928" VPOS="451" ID="st9-496"/><SP/><String HEIGHT="24" CONTENT="so" WIDTH="20" HPOS="1000" VPOS="451" ID="st9-497"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1020" VPOS="451" ID="st9-498"/><SP/><String HEIGHT="24" CONTENT="Workers" WIDTH="88" HPOS="1041" VPOS="451" ID="st9-499"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="32" HPOS="1140" VPOS="451" ID="st9-500"/><SP/><String HEIGHT="24" CONTENT="responsible" WIDTH="119" HPOS="1183" VPOS="451" ID="st9-501"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1312" VPOS="451" ID="st9-502"/><SP/><String HEIGHT="24" CONTENT="executing" WIDTH="103" HPOS="1353" VPOS="451" ID="st9-503"/></TextLine><TextLine HPOS="858" VPOS="488" ID="tl9-49" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="banks" WIDTH="57" HPOS="858" VPOS="488" ID="st9-504"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="915" VPOS="488" ID="st9-505"/><SP/><String HEIGHT="23" CONTENT="day" WIDTH="34" HPOS="934" VPOS="488" ID="st9-506"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="968" VPOS="488" ID="st9-507"/><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="979" VPOS="488" ID="st9-508"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="1002" VPOS="488" ID="st9-509"/><String HEIGHT="23" CONTENT="day" WIDTH="35" HPOS="1013" VPOS="488" ID="st9-510"/><SP/><String HEIGHT="23" CONTENT="operations" WIDTH="109" HPOS="1055" VPOS="488" ID="st9-511"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1164" VPOS="488" ID="st9-512"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1182" VPOS="488" ID="st9-513"/><SP/><String HEIGHT="23" CONTENT="workplace" WIDTH="109" HPOS="1230" VPOS="488" ID="st9-514"/><SP/><String HEIGHT="23" CONTENT="conditions" WIDTH="110" HPOS="1346" VPOS="488" ID="st9-515"/></TextLine><TextLine HPOS="858" VPOS="524" ID="tl9-50" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="858" VPOS="524" ID="st9-516"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="913" VPOS="524" ID="st9-517"/><SP/><String HEIGHT="23" CONTENT="significant" WIDTH="108" HPOS="932" VPOS="524" ID="st9-518"/><SP/><String HEIGHT="23" CONTENT="impact" WIDTH="72" HPOS="1046" VPOS="524" ID="st9-519"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="27" HPOS="1124" VPOS="524" ID="st9-520"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="80" HPOS="1157" VPOS="524" ID="st9-521"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="1237" VPOS="524" ID="st9-522"/><SP/><String HEIGHT="23" CONTENT="productivity" WIDTH="120" HPOS="1254" VPOS="524" ID="st9-523"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="1374" VPOS="524" ID="st9-524"/><SP/><String HEIGHT="23" CONTENT="This" WIDTH="42" HPOS="1389" VPOS="524" ID="st9-525"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="524" ID="st9-526"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl9-51" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="turn" WIDTH="45" HPOS="858" VPOS="560" ID="st9-527"/><SP/><String HEIGHT="24" CONTENT="affects" WIDTH="70" HPOS="910" VPOS="560" ID="st9-528"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="987" VPOS="560" ID="st9-529"/><SP/><String HEIGHT="24" CONTENT="efficiency" WIDTH="94" HPOS="1029" VPOS="560" ID="st9-530"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1123" VPOS="560" ID="st9-531"/><SP/><String HEIGHT="24" CONTENT="profitability" WIDTH="116" HPOS="1140" VPOS="560" ID="st9-532"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1256" VPOS="560" ID="st9-533"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1272" VPOS="560" ID="st9-534"/><SP/><String HEIGHT="24" CONTENT="integrity" WIDTH="87" HPOS="1320" VPOS="560" ID="st9-535"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1414" VPOS="560" ID="st9-536"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1444" VPOS="560" ID="st9-537"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl9-52" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="bank" WIDTH="44" HPOS="858" VPOS="596" ID="st9-538"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="902" VPOS="596" ID="st9-539"/><String HEIGHT="24" CONTENT="s" WIDTH="11" HPOS="913" VPOS="596" ID="st9-540"/><SP/><String HEIGHT="24" CONTENT="operations" WIDTH="108" HPOS="934" VPOS="596" ID="st9-541"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1042" VPOS="596" ID="st9-542"/><SP/><String HEIGHT="24" CONTENT="As" WIDTH="27" HPOS="1062" VPOS="596" ID="st9-543"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1098" VPOS="596" ID="st9-544"/><SP/><String HEIGHT="24" CONTENT="following" WIDTH="100" HPOS="1142" VPOS="596" ID="st9-545"/><SP/><String HEIGHT="24" CONTENT="examples" WIDTH="99" HPOS="1251" VPOS="596" ID="st9-546"/><SP/><String HEIGHT="24" CONTENT="illustrate" WIDTH="88" HPOS="1359" VPOS="596" ID="st9-547"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1447" VPOS="596" ID="st9-548"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl9-53" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="workers" WIDTH="79" HPOS="858" VPOS="632" ID="st9-549"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="937" VPOS="632" ID="st9-550"/><SP/><String HEIGHT="24" CONTENT="firsthand" WIDTH="94" HPOS="957" VPOS="632" ID="st9-551"/><SP/><String HEIGHT="24" CONTENT="experience" WIDTH="114" HPOS="1059" VPOS="632" ID="st9-552"/><SP/><String HEIGHT="24" CONTENT="engaging" WIDTH="100" HPOS="1180" VPOS="632" ID="st9-553"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1288" VPOS="632" ID="st9-554"/><SP/><String HEIGHT="24" CONTENT="consumers" WIDTH="114" HPOS="1342" VPOS="632" ID="st9-555"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl9-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="668" ID="st9-556"/><SP/><String HEIGHT="24" CONTENT="conducting" WIDTH="120" HPOS="908" VPOS="668" ID="st9-557"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1038" VPOS="668" ID="st9-558"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="38" HPOS="1061" VPOS="668" ID="st9-559"/><String HEIGHT="24" CONTENT="’" WIDTH="9" HPOS="1099" VPOS="668" ID="st9-560"/><String HEIGHT="24" CONTENT="s" WIDTH="10" HPOS="1108" VPOS="668" ID="st9-561"/><SP/><String HEIGHT="24" CONTENT="business" WIDTH="89" HPOS="1128" VPOS="668" ID="st9-562"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="1228" VPOS="668" ID="st9-563"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="1276" VPOS="668" ID="st9-564"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="1312" VPOS="668" ID="st9-565"/><SP/><String HEIGHT="24" CONTENT="invaluable" WIDTH="107" HPOS="1349" VPOS="668" ID="st9-566"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl9-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="asset" WIDTH="53" HPOS="858" VPOS="704" ID="st9-567"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="920" VPOS="704" ID="st9-568"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="107" HPOS="960" VPOS="704" ID="st9-569"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="23" HPOS="1076" VPOS="704" ID="st9-570"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1108" VPOS="704" ID="st9-571"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="43" HPOS="1153" VPOS="704" ID="st9-572"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1205" VPOS="704" ID="st9-573"/><SP/><String HEIGHT="24" CONTENT="managing" WIDTH="107" HPOS="1234" VPOS="704" ID="st9-574"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="34" HPOS="1351" VPOS="704" ID="st9-575"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="1385" VPOS="704" ID="st9-576"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="1403" VPOS="704" ID="st9-577"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl9-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="858" VPOS="740" ID="st9-578"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="949" VPOS="740" ID="st9-579"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="988" VPOS="740" ID="st9-580"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1036" VPOS="740" ID="st9-581"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1063" VPOS="740" ID="st9-582"/><SP/><String HEIGHT="24" CONTENT="nexus" WIDTH="61" HPOS="1104" VPOS="740" ID="st9-583"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1172" VPOS="740" ID="st9-584"/><SP/><String HEIGHT="24" CONTENT="those" WIDTH="59" HPOS="1200" VPOS="740" ID="st9-585"/><SP/><String HEIGHT="24" CONTENT="problems" WIDTH="98" HPOS="1265" VPOS="740" ID="st9-586"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1369" VPOS="740" ID="st9-587"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="1419" VPOS="740" ID="st9-588"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl9-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="create" WIDTH="65" HPOS="858" VPOS="776" ID="st9-589"/><SP/><String HEIGHT="24" CONTENT="systemic" WIDTH="89" HPOS="928" VPOS="776" ID="st9-590"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1022" VPOS="776" ID="st9-591"/><SP/><String HEIGHT="24" CONTENT="–" WIDTH="12" HPOS="1064" VPOS="776" ID="st9-592"/><SP/><String HEIGHT="24" CONTENT="increasing" WIDTH="106" HPOS="1082" VPOS="776" ID="st9-593"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1194" VPOS="776" ID="st9-594"/><SP/><String HEIGHT="24" CONTENT="volume" WIDTH="78" HPOS="1234" VPOS="776" ID="st9-595"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1317" VPOS="776" ID="st9-596"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="40" HPOS="1345" VPOS="776" ID="st9-597"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="1385" VPOS="776" ID="st9-598"/><String HEIGHT="24" CONTENT="yield" WIDTH="50" HPOS="1395" VPOS="776" ID="st9-599"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="776" ID="st9-600"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl9-58" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="high" WIDTH="47" HPOS="858" VPOS="813" ID="st9-601"/><String HEIGHT="23" CONTENT="-" WIDTH="12" HPOS="905" VPOS="813" ID="st9-602"/><String HEIGHT="23" CONTENT="speed" WIDTH="59" HPOS="917" VPOS="813" ID="st9-603"/><SP/><String HEIGHT="23" CONTENT="sales" WIDTH="50" HPOS="987" VPOS="813" ID="st9-604"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1048" VPOS="813" ID="st9-605"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="1078" VPOS="813" ID="st9-606"/><SP/><String HEIGHT="23" CONTENT="struggle" WIDTH="86" HPOS="1102" VPOS="813" ID="st9-607"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="1199" VPOS="813" ID="st9-608"/><SP/><String HEIGHT="23" CONTENT="more" WIDTH="55" HPOS="1241" VPOS="813" ID="st9-609"/><SP/><String HEIGHT="23" CONTENT="market" WIDTH="75" HPOS="1307" VPOS="813" ID="st9-610"/><SP/><String HEIGHT="23" CONTENT="share" WIDTH="52" HPOS="1393" VPOS="813" ID="st9-611"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1445" VPOS="813" ID="st9-612"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl9-59" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="When" WIDTH="64" HPOS="858" VPOS="849" ID="st9-613"/><SP/><String HEIGHT="23" CONTENT="companies" WIDTH="114" HPOS="933" VPOS="849" ID="st9-614"/><SP/><String HEIGHT="23" CONTENT="communicate" WIDTH="144" HPOS="1059" VPOS="849" ID="st9-615"/><SP/><String HEIGHT="23" CONTENT="changes" WIDTH="88" HPOS="1215" VPOS="849" ID="st9-616"/><SP/><String HEIGHT="23" CONTENT="poorly" WIDTH="60" HPOS="1314" VPOS="849" ID="st9-617"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1374" VPOS="849" ID="st9-618"/><SP/><String HEIGHT="23" CONTENT="when" WIDTH="59" HPOS="1397" VPOS="849" ID="st9-619"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl9-60" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="858" VPOS="885" ID="st9-620"/><SP/><String HEIGHT="24" CONTENT="set" WIDTH="30" HPOS="915" VPOS="885" ID="st9-621"/><SP/><String HEIGHT="24" CONTENT="unrealistic" WIDTH="106" HPOS="957" VPOS="885" ID="st9-622"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="1075" VPOS="885" ID="st9-623"/><SP/><String HEIGHT="24" CONTENT="expectations" WIDTH="129" HPOS="1136" VPOS="885" ID="st9-624"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1265" VPOS="885" ID="st9-625"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1288" VPOS="885" ID="st9-626"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="1339" VPOS="885" ID="st9-627"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="1410" VPOS="885" ID="st9-628"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl9-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="define" WIDTH="66" HPOS="858" VPOS="921" ID="st9-629"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="107" HPOS="930" VPOS="921" ID="st9-630"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1037" VPOS="921" ID="st9-631"/><SP/><String HEIGHT="24" CONTENT="success" WIDTH="78" HPOS="1054" VPOS="921" ID="st9-632"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1137" VPOS="921" ID="st9-633"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="1162" VPOS="921" ID="st9-634"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1303" VPOS="921" ID="st9-635"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="1328" VPOS="921" ID="st9-636"/><SP/><String HEIGHT="24" CONTENT="context" WIDTH="74" HPOS="1371" VPOS="921" ID="st9-637"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="921" ID="st9-638"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl9-62" WIDTH="243" HEIGHT="24"><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="858" VPOS="957" ID="st9-639"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="877" VPOS="957" ID="st9-640"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="945" VPOS="957" ID="st9-641"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="968" VPOS="957" ID="st9-642"/><SP/><String HEIGHT="24" CONTENT="solution" WIDTH="81" HPOS="1009" VPOS="957" ID="st9-643"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1090" VPOS="957" ID="st9-644"/></TextLine><TextLine HPOS="858" VPOS="1063" ID="tl9-63" WIDTH="137" HEIGHT="27"><String HEIGHT="27" CONTENT="Wells" WIDTH="63" HPOS="858" VPOS="1063" ID="st9-645"/><SP/><String HEIGHT="27" CONTENT="Fargo" WIDTH="67" HPOS="928" VPOS="1063" ID="st9-646"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl9-64" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="On" WIDTH="32" HPOS="858" VPOS="1138" ID="st9-647"/><SP/><String HEIGHT="23" CONTENT="8" WIDTH="14" HPOS="903" VPOS="1138" ID="st9-648"/><SP/><String HEIGHT="23" CONTENT="September" WIDTH="116" HPOS="930" VPOS="1138" ID="st9-649"/><SP/><String HEIGHT="23" CONTENT="2016" WIDTH="50" HPOS="1059" VPOS="1138" ID="st9-650"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1109" VPOS="1138" ID="st9-651"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1135" VPOS="1138" ID="st9-652"/><SP/><String HEIGHT="23" CONTENT="U" WIDTH="10" HPOS="1184" VPOS="1138" ID="st9-653"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1194" VPOS="1138" ID="st9-654"/><String HEIGHT="23" CONTENT="S" WIDTH="11" HPOS="1205" VPOS="1138" ID="st9-655"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1216" VPOS="1138" ID="st9-656"/><SP/><String HEIGHT="23" CONTENT="Consumer" WIDTH="111" HPOS="1240" VPOS="1138" ID="st9-657"/><SP/><String HEIGHT="23" CONTENT="Financial" WIDTH="92" HPOS="1364" VPOS="1138" ID="st9-658"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl9-65" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="Protection" WIDTH="108" HPOS="858" VPOS="1174" ID="st9-659"/><SP/><String HEIGHT="23" CONTENT="Bureau" WIDTH="75" HPOS="973" VPOS="1174" ID="st9-660"/><String HEIGHT="23" CONTENT="(" WIDTH="11" HPOS="1055" VPOS="1174" ID="st9-661"/><String HEIGHT="23" CONTENT="CFPB" WIDTH="45" HPOS="1066" VPOS="1174" ID="st9-662"/><String HEIGHT="23" CONTENT=")" WIDTH="12" HPOS="1111" VPOS="1174" ID="st9-663"/><SP/><String HEIGHT="23" CONTENT="announced" WIDTH="120" HPOS="1131" VPOS="1174" ID="st9-664"/><SP/><String HEIGHT="23" CONTENT="fines" WIDTH="50" HPOS="1258" VPOS="1174" ID="st9-665"/><SP/><String HEIGHT="23" CONTENT="against" WIDTH="76" HPOS="1316" VPOS="1174" ID="st9-666"/><SP/><String HEIGHT="23" CONTENT="Wells" WIDTH="56" HPOS="1400" VPOS="1174" ID="st9-667"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl9-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Fargo" WIDTH="59" HPOS="858" VPOS="1210" ID="st9-668"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="927" VPOS="1210" ID="st9-669"/><SP/><String HEIGHT="24" CONTENT="opening" WIDTH="87" HPOS="967" VPOS="1210" ID="st9-670"/><SP/><String HEIGHT="24" CONTENT="millions" WIDTH="80" HPOS="1064" VPOS="1210" ID="st9-671"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1154" VPOS="1210" ID="st9-672"/><SP/><String HEIGHT="24" CONTENT="checking" WIDTH="95" HPOS="1185" VPOS="1210" ID="st9-673"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1289" VPOS="1210" ID="st9-674"/><SP/><String HEIGHT="24" CONTENT="savings" WIDTH="76" HPOS="1339" VPOS="1210" ID="st9-675"/><SP/><String HEIGHT="24" CONTENT="ac" WIDTH="22" HPOS="1424" VPOS="1210" ID="st9-676" SUBS_TYPE="HypPart1" SUBS_CONTENT="accounts"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1210" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl9-67" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="counts" WIDTH="71" HPOS="858" VPOS="1246" ID="st9-677" SUBS_TYPE="HypPart2" SUBS_CONTENT="accounts"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="938" VPOS="1246" ID="st9-678"/><SP/><String HEIGHT="24" CONTENT="credit" WIDTH="59" HPOS="989" VPOS="1246" ID="st9-679"/><SP/><String HEIGHT="24" CONTENT="cards" WIDTH="55" HPOS="1058" VPOS="1246" ID="st9-680"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1122" VPOS="1246" ID="st9-681"/><SP/><String HEIGHT="24" CONTENT="clients" WIDTH="63" HPOS="1152" VPOS="1246" ID="st9-682"/><String HEIGHT="24" CONTENT="’" WIDTH="10" HPOS="1215" VPOS="1246" ID="st9-683"/><SP/><String HEIGHT="24" CONTENT="names" WIDTH="70" HPOS="1235" VPOS="1246" ID="st9-684"/><SP/><String HEIGHT="24" CONTENT="without" WIDTH="84" HPOS="1314" VPOS="1246" ID="st9-685"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="1408" VPOS="1246" ID="st9-686"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl9-68" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="consent" WIDTH="83" HPOS="858" VPOS="1282" ID="st9-687"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="949" VPOS="1282" ID="st9-688"/><String HEIGHT="24" CONTENT="CFPB" WIDTH="45" HPOS="960" VPOS="1282" ID="st9-689"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1005" VPOS="1282" ID="st9-690"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="1025" VPOS="1282" ID="st9-691"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1071" VPOS="1282" ID="st9-692"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1083" VPOS="1282" ID="st9-693"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1103" VPOS="1282" ID="st9-694"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="52" HPOS="1150" VPOS="1282" ID="st9-695"/><SP/><String HEIGHT="24" CONTENT="paid" WIDTH="45" HPOS="1211" VPOS="1282" ID="st9-696"/><SP/><String HEIGHT="24" CONTENT="out" WIDTH="37" HPOS="1264" VPOS="1282" ID="st9-697"/><SP/><String HEIGHT="24" CONTENT="record" WIDTH="63" HPOS="1309" VPOS="1282" ID="st9-698"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="1372" VPOS="1282" ID="st9-699"/><String HEIGHT="24" CONTENT="setting" WIDTH="74" HPOS="1382" VPOS="1282" ID="st9-700"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl9-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="fines" WIDTH="50" HPOS="858" VPOS="1318" ID="st9-701"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="919" VPOS="1318" ID="st9-702"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="977" VPOS="1318" ID="st9-703"/><SP/><String HEIGHT="24" CONTENT="next" WIDTH="46" HPOS="1023" VPOS="1318" ID="st9-704"/><SP/><String HEIGHT="24" CONTENT="several" WIDTH="73" HPOS="1080" VPOS="1318" ID="st9-705"/><SP/><String HEIGHT="24" CONTENT="years" WIDTH="55" HPOS="1164" VPOS="1318" ID="st9-706"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1230" VPOS="1318" ID="st9-707"/><SP/><String HEIGHT="24" CONTENT="addition" WIDTH="88" HPOS="1261" VPOS="1318" ID="st9-708"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1360" VPOS="1318" ID="st9-709"/><SP/><String HEIGHT="24" CONTENT="enter" WIDTH="53" HPOS="1393" VPOS="1318" ID="st9-710" SUBS_TYPE="HypPart1" SUBS_CONTENT="entering"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1318" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl9-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ing" WIDTH="33" HPOS="858" VPOS="1354" ID="st9-711" SUBS_TYPE="HypPart2" SUBS_CONTENT="entering"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="41" HPOS="900" VPOS="1354" ID="st9-712"/><SP/><String HEIGHT="24" CONTENT="settlement" WIDTH="113" HPOS="950" VPOS="1354" ID="st9-713"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1071" VPOS="1354" ID="st9-714"/><SP/><String HEIGHT="24" CONTENT="consent" WIDTH="83" HPOS="1120" VPOS="1354" ID="st9-715"/><SP/><String HEIGHT="24" CONTENT="orders" WIDTH="66" HPOS="1212" VPOS="1354" ID="st9-716"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1287" VPOS="1354" ID="st9-717"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="102" HPOS="1343" VPOS="1354" ID="st9-718"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1445" VPOS="1354" ID="st9-719"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl9-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="858" VPOS="1390" ID="st9-720"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="888" VPOS="1390" ID="st9-721"/><SP/><String HEIGHT="24" CONTENT="wake" WIDTH="57" HPOS="933" VPOS="1390" ID="st9-722"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1000" VPOS="1390" ID="st9-723"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1033" VPOS="1390" ID="st9-724"/><SP/><String HEIGHT="24" CONTENT="scandal" WIDTH="76" HPOS="1078" VPOS="1390" ID="st9-725"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1154" VPOS="1390" ID="st9-726"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="1175" VPOS="1390" ID="st9-727"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="1242" VPOS="1390" ID="st9-728"/><SP/><String HEIGHT="24" CONTENT="attempted" WIDTH="111" HPOS="1312" VPOS="1390" ID="st9-729"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1434" VPOS="1390" ID="st9-730"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl9-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="blame" WIDTH="65" HPOS="858" VPOS="1426" ID="st9-731"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="933" VPOS="1426" ID="st9-732"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="997" VPOS="1426" ID="st9-733"/><SP/><String HEIGHT="24" CONTENT="5,300" WIDTH="63" HPOS="1055" VPOS="1426" ID="st9-734"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="1128" VPOS="1426" ID="st9-735"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1222" VPOS="1426" ID="st9-736"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1262" VPOS="1426" ID="st9-737"/><SP/><String HEIGHT="24" CONTENT="fake" WIDTH="46" HPOS="1306" VPOS="1426" ID="st9-738"/><SP/><String HEIGHT="24" CONTENT="accounts" WIDTH="94" HPOS="1362" VPOS="1426" ID="st9-739"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl9-73" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1463" ID="st9-740"/><SP/><String HEIGHT="23" CONTENT="fired" WIDTH="48" HPOS="907" VPOS="1463" ID="st9-741"/><SP/><String HEIGHT="23" CONTENT="them" WIDTH="50" HPOS="964" VPOS="1463" ID="st9-742"/><String HEIGHT="23" CONTENT=";" WIDTH="13" HPOS="1014" VPOS="1463" ID="st9-743"/><SP/><String HEIGHT="23" CONTENT="however" WIDTH="84" HPOS="1036" VPOS="1463" ID="st9-744"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1120" VPOS="1463" ID="st9-745"/><SP/><String HEIGHT="23" CONTENT="further" WIDTH="74" HPOS="1141" VPOS="1463" ID="st9-746"/><SP/><String HEIGHT="23" CONTENT="investigation" WIDTH="135" HPOS="1224" VPOS="1463" ID="st9-747"/><SP/><String HEIGHT="23" CONTENT="revealed" WIDTH="88" HPOS="1368" VPOS="1463" ID="st9-748"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl9-74" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1499" ID="st9-749"/><SP/><String HEIGHT="23" CONTENT="scandal" WIDTH="79" HPOS="901" VPOS="1499" ID="st9-750"/><SP/><String HEIGHT="23" CONTENT="was" WIDTH="42" HPOS="988" VPOS="1499" ID="st9-751"/><SP/><String HEIGHT="23" CONTENT="driven" WIDTH="65" HPOS="1038" VPOS="1499" ID="st9-752"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="1111" VPOS="1499" ID="st9-753"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="1145" VPOS="1499" ID="st9-754"/><SP/><String HEIGHT="23" CONTENT="poor" WIDTH="50" HPOS="1165" VPOS="1499" ID="st9-755"/><SP/><String HEIGHT="23" CONTENT="corporate" WIDTH="102" HPOS="1224" VPOS="1499" ID="st9-756"/><SP/><String HEIGHT="23" CONTENT="culture" WIDTH="73" HPOS="1335" VPOS="1499" ID="st9-757"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1499" ID="st9-758"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl9-75" WIDTH="509" HEIGHT="24"><String HEIGHT="24" CONTENT="coercive" WIDTH="85" HPOS="858" VPOS="1535" ID="st9-759"/><SP/><String HEIGHT="24" CONTENT="incentive" WIDTH="95" HPOS="950" VPOS="1535" ID="st9-760"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="37" HPOS="1052" VPOS="1535" ID="st9-761"/><SP/><String HEIGHT="24" CONTENT="structures" WIDTH="104" HPOS="1096" VPOS="1535" ID="st9-762"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1207" VPOS="1535" ID="st9-763"/><String HEIGHT="24" CONTENT="Rucker" WIDTH="63" HPOS="1217" VPOS="1535" ID="st9-764"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1280" VPOS="1535" ID="st9-765"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="1298" VPOS="1535" ID="st9-766"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1344" VPOS="1535" ID="st9-767"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1355" VPOS="1535" ID="st9-768"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl9-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="With" WIDTH="52" HPOS="858" VPOS="1607" ID="st9-769"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="919" VPOS="1607" ID="st9-770"/><SP/><String HEIGHT="24" CONTENT="commercial" WIDTH="121" HPOS="984" VPOS="1607" ID="st9-771"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="1115" VPOS="1607" ID="st9-772"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="1210" VPOS="1607" ID="st9-773"/><SP/><String HEIGHT="24" CONTENT="share" WIDTH="56" HPOS="1295" VPOS="1607" ID="st9-774"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="48" HPOS="1361" VPOS="1607" ID="st9-775"/><SP/><String HEIGHT="24" CONTENT="any" WIDTH="37" HPOS="1419" VPOS="1607" ID="st9-776"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl9-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="other" WIDTH="57" HPOS="858" VPOS="1643" ID="st9-777"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="925" VPOS="1643" ID="st9-778"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="935" VPOS="1643" ID="st9-779"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="946" VPOS="1643" ID="st9-780"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="957" VPOS="1643" ID="st9-781"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="48" HPOS="978" VPOS="1643" ID="st9-782"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1026" VPOS="1643" ID="st9-783"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="56" HPOS="1049" VPOS="1643" ID="st9-784"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="1115" VPOS="1643" ID="st9-785"/><SP/><String HEIGHT="24" CONTENT="sought" WIDTH="74" HPOS="1185" VPOS="1643" ID="st9-786"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1269" VPOS="1643" ID="st9-787"/><SP/><String HEIGHT="24" CONTENT="expand" WIDTH="78" HPOS="1302" VPOS="1643" ID="st9-788"/><SP/><String HEIGHT="24" CONTENT="profit" WIDTH="57" HPOS="1390" VPOS="1643" ID="st9-789" SUBS_TYPE="HypPart1" SUBS_CONTENT="profitability"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1643" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl9-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ability" WIDTH="62" HPOS="858" VPOS="1679" ID="st9-790" SUBS_TYPE="HypPart2" SUBS_CONTENT="profitability"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="930" VPOS="1679" ID="st9-791"/><SP/><String HEIGHT="24" CONTENT="adopting" WIDTH="96" HPOS="964" VPOS="1679" ID="st9-792"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1070" VPOS="1679" ID="st9-793"/><String HEIGHT="24" CONTENT="»" WIDTH="10" HPOS="1092" VPOS="1679" ID="st9-794"/><String HEIGHT="24" CONTENT="cross" WIDTH="52" HPOS="1102" VPOS="1679" ID="st9-795"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="1154" VPOS="1679" ID="st9-796"/><String HEIGHT="24" CONTENT="selling" WIDTH="72" HPOS="1164" VPOS="1679" ID="st9-797"/><String HEIGHT="24" CONTENT="«" WIDTH="11" HPOS="1236" VPOS="1679" ID="st9-798"/><SP/><String HEIGHT="24" CONTENT="strategy" WIDTH="84" HPOS="1257" VPOS="1679" ID="st9-799"/><SP/><String HEIGHT="24" CONTENT="called" WIDTH="61" HPOS="1351" VPOS="1679" ID="st9-800"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="1679" ID="st9-801"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl9-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="858" VPOS="1715" ID="st9-802"/><String HEIGHT="24" CONTENT="Gr" WIDTH="22" HPOS="869" VPOS="1715" ID="st9-803"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="891" VPOS="1715" ID="st9-804"/><String HEIGHT="24" CONTENT="eight" WIDTH="57" HPOS="902" VPOS="1715" ID="st9-805"/><SP/><String HEIGHT="24" CONTENT="Initiative" WIDTH="92" HPOS="969" VPOS="1715" ID="st9-806"/><String HEIGHT="24" CONTENT="«" WIDTH="10" HPOS="1061" VPOS="1715" ID="st9-807"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1081" VPOS="1715" ID="st9-808"/><String HEIGHT="24" CONTENT="D" WIDTH="11" HPOS="1092" VPOS="1715" ID="st9-809"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="1103" VPOS="1715" ID="st9-810"/><String HEIGHT="24" CONTENT="Acosta" WIDTH="66" HPOS="1114" VPOS="1715" ID="st9-811"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1180" VPOS="1715" ID="st9-812"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="1200" VPOS="1715" ID="st9-813"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1246" VPOS="1715" ID="st9-814"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1258" VPOS="1715" ID="st9-815"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1279" VPOS="1715" ID="st9-816"/><SP/><String HEIGHT="24" CONTENT="initiative" WIDTH="89" HPOS="1327" VPOS="1715" ID="st9-817"/><SP/><String HEIGHT="24" CONTENT="set" WIDTH="30" HPOS="1426" VPOS="1715" ID="st9-818"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl9-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="858" VPOS="1751" ID="st9-819"/><SP/><String HEIGHT="24" CONTENT="internal" WIDTH="81" HPOS="891" VPOS="1751" ID="st9-820"/><SP/><String HEIGHT="24" CONTENT="goal" WIDTH="46" HPOS="979" VPOS="1751" ID="st9-821"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1031" VPOS="1751" ID="st9-822"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="1069" VPOS="1751" ID="st9-823"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1188" VPOS="1751" ID="st9-824"/><SP/><String HEIGHT="24" CONTENT="selling" WIDTH="66" HPOS="1217" VPOS="1751" ID="st9-825"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1290" VPOS="1751" ID="st9-826"/><SP/><String HEIGHT="24" CONTENT="least" WIDTH="48" HPOS="1318" VPOS="1751" ID="st9-827"/><SP/><String HEIGHT="24" CONTENT="eight" WIDTH="54" HPOS="1373" VPOS="1751" ID="st9-828"/><SP/><String HEIGHT="24" CONTENT="fi" WIDTH="15" HPOS="1434" VPOS="1751" ID="st9-829" SUBS_TYPE="HypPart1" SUBS_CONTENT="financial"/><HYP CONTENT="-" WIDTH="7" HPOS="1449" VPOS="1751" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl9-81" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="nancial" WIDTH="75" HPOS="858" VPOS="1788" ID="st9-830" SUBS_TYPE="HypPart2" SUBS_CONTENT="financial"/><SP/><String HEIGHT="23" CONTENT="products" WIDTH="93" HPOS="939" VPOS="1788" ID="st9-831"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1038" VPOS="1788" ID="st9-832"/><SP/><String HEIGHT="23" CONTENT="each" WIDTH="50" HPOS="1066" VPOS="1788" ID="st9-833"/><SP/><String HEIGHT="23" CONTENT="customer" WIDTH="99" HPOS="1122" VPOS="1788" ID="st9-834"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1227" VPOS="1788" ID="st9-835"/><SP/><String HEIGHT="23" CONTENT="connected" WIDTH="111" HPOS="1274" VPOS="1788" ID="st9-836"/><SP/><String HEIGHT="23" CONTENT="incen" WIDTH="55" HPOS="1391" VPOS="1788" ID="st9-837" SUBS_TYPE="HypPart1" SUBS_CONTENT="incentive"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1788" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl9-82" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="tive" WIDTH="37" HPOS="858" VPOS="1824" ID="st9-838" SUBS_TYPE="HypPart2" SUBS_CONTENT="incentive"/><SP/><String HEIGHT="23" CONTENT="compensation" WIDTH="149" HPOS="901" VPOS="1824" ID="st9-839"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1056" VPOS="1824" ID="st9-840"/><SP/><String HEIGHT="23" CONTENT="this" WIDTH="38" HPOS="1083" VPOS="1824" ID="st9-841"/><SP/><String HEIGHT="23" CONTENT="goal" WIDTH="42" HPOS="1126" VPOS="1824" ID="st9-842"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1168" VPOS="1824" ID="st9-843"/><SP/><String HEIGHT="23" CONTENT="One" WIDTH="44" HPOS="1184" VPOS="1824" ID="st9-844"/><SP/><String HEIGHT="23" CONTENT="worker" WIDTH="75" HPOS="1234" VPOS="1824" ID="st9-845"/><SP/><String HEIGHT="23" CONTENT="has" WIDTH="36" HPOS="1314" VPOS="1824" ID="st9-846"/><SP/><String HEIGHT="23" CONTENT="explained" WIDTH="102" HPOS="1355" VPOS="1824" ID="st9-847"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl9-83" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="858" VPOS="1860" ID="st9-848"/><SP/><String HEIGHT="24" CONTENT="her" WIDTH="34" HPOS="908" VPOS="1860" ID="st9-849"/><SP/><String HEIGHT="24" CONTENT="base" WIDTH="49" HPOS="949" VPOS="1860" ID="st9-850"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="37" HPOS="1005" VPOS="1860" ID="st9-851"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="1049" VPOS="1860" ID="st9-852"/><SP/><String HEIGHT="24" CONTENT="approximately" WIDTH="150" HPOS="1097" VPOS="1860" ID="st9-853"/><SP/><String HEIGHT="24" CONTENT="45,000" WIDTH="76" HPOS="1254" VPOS="1860" ID="st9-854"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1337" VPOS="1860" ID="st9-855"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1347" VPOS="1860" ID="st9-856"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1358" VPOS="1860" ID="st9-857"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1369" VPOS="1860" ID="st9-858"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="69" HPOS="1387" VPOS="1860" ID="st9-859"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl9-84" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="annually" WIDTH="89" HPOS="858" VPOS="1896" ID="st9-860"/><SP/><String HEIGHT="24" CONTENT="but" WIDTH="36" HPOS="955" VPOS="1896" ID="st9-861"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="999" VPOS="1896" ID="st9-862"/><SP/><String HEIGHT="24" CONTENT="reach" WIDTH="58" HPOS="1066" VPOS="1896" ID="st9-863"/><SP/><String HEIGHT="24" CONTENT="81,000" WIDTH="76" HPOS="1132" VPOS="1896" ID="st9-864"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1216" VPOS="1896" ID="st9-865"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1226" VPOS="1896" ID="st9-866"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1237" VPOS="1896" ID="st9-867"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1248" VPOS="1896" ID="st9-868"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="69" HPOS="1268" VPOS="1896" ID="st9-869"/><SP/><String HEIGHT="24" CONTENT="annually" WIDTH="89" HPOS="1345" VPOS="1896" ID="st9-870"/><SP/><String HEIGHT="24" CONTENT="if" WIDTH="14" HPOS="1442" VPOS="1896" ID="st9-871"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl9-85" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="she" WIDTH="36" HPOS="858" VPOS="1932" ID="st9-872"/><SP/><String HEIGHT="24" CONTENT="met" WIDTH="42" HPOS="900" VPOS="1932" ID="st9-873"/><SP/><String HEIGHT="24" CONTENT="all" WIDTH="24" HPOS="948" VPOS="1932" ID="st9-874"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="978" VPOS="1932" ID="st9-875"/><SP/><String HEIGHT="24" CONTENT="her" WIDTH="35" HPOS="1006" VPOS="1932" ID="st9-876"/><SP/><String HEIGHT="24" CONTENT="goals" WIDTH="56" HPOS="1047" VPOS="1932" ID="st9-877"/><String HEIGHT="24" CONTENT="(" WIDTH="13" HPOS="1109" VPOS="1932" ID="st9-878"/><String HEIGHT="24" CONTENT="Anonymous" WIDTH="122" HPOS="1122" VPOS="1932" ID="st9-879"/><SP/><String HEIGHT="24" CONTENT="employee" WIDTH="97" HPOS="1250" VPOS="1932" ID="st9-880"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1347" VPOS="1932" ID="st9-881"/><SP/><String HEIGHT="24" CONTENT="personal" WIDTH="90" HPOS="1366" VPOS="1932" ID="st9-882"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl9-86" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="communication" WIDTH="165" HPOS="858" VPOS="1968" ID="st9-883"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1029" VPOS="1968" ID="st9-884"/><SP/><String HEIGHT="24" CONTENT="author" WIDTH="65" HPOS="1056" VPOS="1968" ID="st9-885"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1121" VPOS="1968" ID="st9-886"/><SP/><String HEIGHT="24" CONTENT="1" WIDTH="14" HPOS="1137" VPOS="1968" ID="st9-887"/><SP/><String HEIGHT="24" CONTENT="May" WIDTH="45" HPOS="1157" VPOS="1968" ID="st9-888"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="1208" VPOS="1968" ID="st9-889"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1254" VPOS="1968" ID="st9-890"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1265" VPOS="1968" ID="st9-891"/><SP/><String HEIGHT="24" CONTENT="It" WIDTH="14" HPOS="1283" VPOS="1968" ID="st9-892"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1302" VPOS="1968" ID="st9-893"/><SP/><String HEIGHT="24" CONTENT="important" WIDTH="105" HPOS="1323" VPOS="1968" ID="st9-894"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1434" VPOS="1968" ID="st9-895"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl9-87" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="note" WIDTH="48" HPOS="858" VPOS="2004" ID="st9-896"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="913" VPOS="2004" ID="st9-897"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="963" VPOS="2004" ID="st9-898"/><SP/><String HEIGHT="24" CONTENT="living" WIDTH="55" HPOS="982" VPOS="2004" ID="st9-899"/><SP/><String HEIGHT="24" CONTENT="wage" WIDTH="58" HPOS="1044" VPOS="2004" ID="st9-900"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1109" VPOS="2004" ID="st9-901"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="1146" VPOS="2004" ID="st9-902"/><SP/><String HEIGHT="24" CONTENT="individual" WIDTH="102" HPOS="1179" VPOS="2004" ID="st9-903"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1287" VPOS="2004" ID="st9-904"/><SP/><String HEIGHT="24" CONTENT="San" WIDTH="39" HPOS="1313" VPOS="2004" ID="st9-905"/><SP/><String HEIGHT="24" CONTENT="Francisco" WIDTH="97" HPOS="1359" VPOS="2004" ID="st9-906"/></TextLine><TextLine HPOS="858" VPOS="2040" ID="tl9-88" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="supporting" WIDTH="116" HPOS="858" VPOS="2040" ID="st9-907"/><SP/><String HEIGHT="24" CONTENT="one" WIDTH="40" HPOS="985" VPOS="2040" ID="st9-908"/><SP/><String HEIGHT="24" CONTENT="child" WIDTH="48" HPOS="1036" VPOS="2040" ID="st9-909"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1084" VPOS="2040" ID="st9-910"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1105" VPOS="2040" ID="st9-911"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="84" HPOS="1147" VPOS="2040" ID="st9-912"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1231" VPOS="2040" ID="st9-913"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1254" VPOS="2040" ID="st9-914"/><SP/><String HEIGHT="24" CONTENT="estimated" WIDTH="104" HPOS="1281" VPOS="2040" ID="st9-915"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1396" VPOS="2040" ID="st9-916"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="1430" VPOS="2040" ID="st9-917"/></TextLine><TextLine HPOS="818" VPOS="2254" ID="tl9-89" WIDTH="16" HEIGHT="28"><String HEIGHT="28" CONTENT="8" WIDTH="16" HPOS="818" VPOS="2254" ID="st9-918"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="10" ID="p840449" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840449" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840449" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl10-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st10-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st10-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st10-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st10-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st10-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st10-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st10-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st10-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st10-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st10-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st10-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st10-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st10-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st10-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st10-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st10-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st10-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st10-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st10-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl10-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="196" VPOS="307" ID="st10-19"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="260" VPOS="307" ID="st10-20"/><SP/><String HEIGHT="24" CONTENT="80,000" WIDTH="76" HPOS="318" VPOS="307" ID="st10-21"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="403" VPOS="307" ID="st10-22"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="413" VPOS="307" ID="st10-23"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="424" VPOS="307" ID="st10-24"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="435" VPOS="307" ID="st10-25"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="69" HPOS="455" VPOS="307" ID="st10-26"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="533" VPOS="307" ID="st10-27"/><SP/><String HEIGHT="24" CONTENT="year" WIDTH="45" HPOS="554" VPOS="307" ID="st10-28"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="607" VPOS="307" ID="st10-29"/><String HEIGHT="24" CONTENT="MIT" WIDTH="36" HPOS="619" VPOS="307" ID="st10-30"/><SP/><String HEIGHT="24" CONTENT="Living" WIDTH="62" HPOS="663" VPOS="307" ID="st10-31"/><SP/><String HEIGHT="24" CONTENT="Wage" WIDTH="62" HPOS="733" VPOS="307" ID="st10-32"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl10-2" WIDTH="190" HEIGHT="24"><String HEIGHT="24" CONTENT="Calculator" WIDTH="102" HPOS="196" VPOS="343" ID="st10-33"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="298" VPOS="343" ID="st10-34"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="316" VPOS="343" ID="st10-35"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="362" VPOS="343" ID="st10-36"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="374" VPOS="343" ID="st10-37"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl10-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="196" VPOS="415" ID="st10-38"/><String HEIGHT="24" CONTENT="Banking" WIDTH="88" HPOS="208" VPOS="415" ID="st10-39"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="307" VPOS="415" ID="st10-40"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="346" VPOS="415" ID="st10-41"/><SP/><String HEIGHT="24" CONTENT="Hard" WIDTH="51" HPOS="391" VPOS="415" ID="st10-42"/><SP/><String HEIGHT="24" CONTENT="Sell" WIDTH="38" HPOS="453" VPOS="415" ID="st10-43"/><String HEIGHT="24" CONTENT="«" WIDTH="9" HPOS="491" VPOS="415" ID="st10-44"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="500" VPOS="415" ID="st10-45"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="520" VPOS="415" ID="st10-46"/><SP/><String HEIGHT="24" CONTENT="report" WIDTH="65" HPOS="544" VPOS="415" ID="st10-47"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="619" VPOS="415" ID="st10-48"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="655" VPOS="415" ID="st10-49"/><SP/><String HEIGHT="24" CONTENT="Commit" WIDTH="82" HPOS="700" VPOS="415" ID="st10-50" SUBS_TYPE="HypPart1" SUBS_CONTENT="Committee"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="415" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl10-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tee" WIDTH="34" HPOS="196" VPOS="451" ID="st10-51" SUBS_TYPE="HypPart2" SUBS_CONTENT="Committee"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="238" VPOS="451" ID="st10-52"/><SP/><String HEIGHT="24" CONTENT="Better" WIDTH="64" HPOS="277" VPOS="451" ID="st10-53"/><SP/><String HEIGHT="24" CONTENT="Banks" WIDTH="62" HPOS="350" VPOS="451" ID="st10-54"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="421" VPOS="451" ID="st10-55"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="469" VPOS="451" ID="st10-56"/><SP/><String HEIGHT="24" CONTENT="National" WIDTH="88" HPOS="513" VPOS="451" ID="st10-57"/><SP/><String HEIGHT="24" CONTENT="Employment" WIDTH="133" HPOS="610" VPOS="451" ID="st10-58"/><SP/><String HEIGHT="24" CONTENT="Law" WIDTH="43" HPOS="752" VPOS="451" ID="st10-59"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl10-5" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="Project" WIDTH="69" HPOS="196" VPOS="488" ID="st10-60"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="265" VPOS="488" ID="st10-61"/><SP/><String HEIGHT="23" CONTENT="examined" WIDTH="102" HPOS="286" VPOS="488" ID="st10-62"/><String HEIGHT="23" CONTENT="»" WIDTH="12" HPOS="399" VPOS="488" ID="st10-63"/><String HEIGHT="23" CONTENT="the" WIDTH="37" HPOS="411" VPOS="488" ID="st10-64"/><SP/><String HEIGHT="23" CONTENT="use" WIDTH="36" HPOS="458" VPOS="488" ID="st10-65"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="505" VPOS="488" ID="st10-66"/><SP/><String HEIGHT="23" CONTENT="aggressive" WIDTH="109" HPOS="538" VPOS="488" ID="st10-67"/><SP/><String HEIGHT="23" CONTENT="sales" WIDTH="50" HPOS="658" VPOS="488" ID="st10-68"/><SP/><String HEIGHT="23" CONTENT="metrics" WIDTH="77" HPOS="718" VPOS="488" ID="st10-69"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl10-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="196" VPOS="524" ID="st10-70"/><SP/><String HEIGHT="23" CONTENT="incentives" WIDTH="104" HPOS="244" VPOS="524" ID="st10-71"/><SP/><String HEIGHT="23" CONTENT="programs" WIDTH="101" HPOS="355" VPOS="524" ID="st10-72"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="464" VPOS="524" ID="st10-73"/><SP/><String HEIGHT="23" CONTENT="encourage" WIDTH="113" HPOS="493" VPOS="524" ID="st10-74"/><SP/><String HEIGHT="23" CONTENT="frontline" WIDTH="90" HPOS="613" VPOS="524" ID="st10-75"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="710" VPOS="524" ID="st10-76"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl10-7" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="196" VPOS="560" ID="st10-77"/><SP/><String HEIGHT="24" CONTENT="push" WIDTH="51" HPOS="231" VPOS="560" ID="st10-78"/><SP/><String HEIGHT="24" CONTENT="multiple" WIDTH="87" HPOS="294" VPOS="560" ID="st10-79"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="87" HPOS="393" VPOS="560" ID="st10-80"/><SP/><String HEIGHT="24" CONTENT="›solutions‹" WIDTH="106" HPOS="492" VPOS="560" ID="st10-81"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="598" VPOS="560" ID="st10-82"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="620" VPOS="560" ID="st10-83"/><SP/><String HEIGHT="24" CONTENT="products" WIDTH="88" HPOS="654" VPOS="560" ID="st10-84"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="742" VPOS="560" ID="st10-85"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="27" HPOS="767" VPOS="560" ID="st10-86"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl10-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="unwitting" WIDTH="103" HPOS="196" VPOS="596" ID="st10-87"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="105" HPOS="309" VPOS="596" ID="st10-88"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="414" VPOS="596" ID="st10-89"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="426" VPOS="596" ID="st10-90"/><SP/><String HEIGHT="24" CONTENT="It" WIDTH="14" HPOS="448" VPOS="596" ID="st10-91"/><SP/><String HEIGHT="24" CONTENT="concluded" WIDTH="110" HPOS="472" VPOS="596" ID="st10-92"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="592" VPOS="596" ID="st10-93"/><SP/><String HEIGHT="24" CONTENT="low" WIDTH="39" HPOS="645" VPOS="596" ID="st10-94"/><SP/><String HEIGHT="24" CONTENT="base" WIDTH="49" HPOS="694" VPOS="596" ID="st10-95"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="31" HPOS="753" VPOS="596" ID="st10-96"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="596" ID="st10-97"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl10-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="aggressive" WIDTH="110" HPOS="196" VPOS="632" ID="st10-98"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="314" VPOS="632" ID="st10-99"/><SP/><String HEIGHT="24" CONTENT="metrics" WIDTH="73" HPOS="371" VPOS="632" ID="st10-100"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="444" VPOS="632" ID="st10-101"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="463" VPOS="632" ID="st10-102"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="511" VPOS="632" ID="st10-103"/><SP/><String HEIGHT="24" CONTENT="incentive" WIDTH="94" HPOS="655" VPOS="632" ID="st10-104"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="38" HPOS="757" VPOS="632" ID="st10-105"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl10-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="196" VPOS="668" ID="st10-106"/><SP/><String HEIGHT="24" CONTENT="creating" WIDTH="86" HPOS="260" VPOS="668" ID="st10-107"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="36" HPOS="358" VPOS="668" ID="st10-108"/><SP/><String HEIGHT="24" CONTENT="only" WIDTH="44" HPOS="406" VPOS="668" ID="st10-109"/><SP/><String HEIGHT="24" CONTENT="hostile" WIDTH="70" HPOS="462" VPOS="668" ID="st10-110"/><SP/><String HEIGHT="24" CONTENT="working" WIDTH="88" HPOS="543" VPOS="668" ID="st10-111"/><SP/><String HEIGHT="24" CONTENT="conditions" WIDTH="111" HPOS="642" VPOS="668" ID="st10-112"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="764" VPOS="668" ID="st10-113"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl10-11" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="employees" WIDTH="108" HPOS="196" VPOS="704" ID="st10-114"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="304" VPOS="704" ID="st10-115"/><SP/><String HEIGHT="24" CONTENT="but" WIDTH="37" HPOS="327" VPOS="704" ID="st10-116"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="375" VPOS="704" ID="st10-117"/><SP/><String HEIGHT="24" CONTENT="forcing" WIDTH="75" HPOS="428" VPOS="704" ID="st10-118"/><SP/><String HEIGHT="24" CONTENT="them" WIDTH="56" HPOS="514" VPOS="704" ID="st10-119"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="581" VPOS="704" ID="st10-120"/><SP/><String HEIGHT="24" CONTENT="choose" WIDTH="76" HPOS="614" VPOS="704" ID="st10-121"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="93" HPOS="701" VPOS="704" ID="st10-122"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl10-12" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="questionable" WIDTH="138" HPOS="196" VPOS="740" ID="st10-123"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="51" HPOS="349" VPOS="740" ID="st10-124"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="94" HPOS="415" VPOS="740" ID="st10-125"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="524" VPOS="740" ID="st10-126"/><SP/><String HEIGHT="24" CONTENT="making" WIDTH="80" HPOS="579" VPOS="740" ID="st10-127"/><SP/><String HEIGHT="24" CONTENT="ends" WIDTH="51" HPOS="674" VPOS="740" ID="st10-128"/><SP/><String HEIGHT="24" CONTENT="meet" WIDTH="54" HPOS="740" VPOS="740" ID="st10-129"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl10-13" WIDTH="200" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="196" VPOS="776" ID="st10-130"/><String HEIGHT="24" CONTENT="Christman" WIDTH="101" HPOS="207" VPOS="776" ID="st10-131"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="308" VPOS="776" ID="st10-132"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="327" VPOS="776" ID="st10-133"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="373" VPOS="776" ID="st10-134"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="384" VPOS="776" ID="st10-135"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl10-14" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="In" WIDTH="20" HPOS="196" VPOS="849" ID="st10-136"/><SP/><String HEIGHT="23" CONTENT="spite" WIDTH="50" HPOS="224" VPOS="849" ID="st10-137"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="283" VPOS="849" ID="st10-138"/><SP/><String HEIGHT="23" CONTENT="this" WIDTH="36" HPOS="313" VPOS="849" ID="st10-139"/><String HEIGHT="23" CONTENT="," WIDTH="9" HPOS="349" VPOS="849" ID="st10-140"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="366" VPOS="849" ID="st10-141"/><SP/><String HEIGHT="23" CONTENT="persisted" WIDTH="94" HPOS="460" VPOS="849" ID="st10-142"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="562" VPOS="849" ID="st10-143"/><SP/><String HEIGHT="23" CONTENT="raising" WIDTH="70" HPOS="590" VPOS="849" ID="st10-144"/><SP/><String HEIGHT="23" CONTENT="these" WIDTH="57" HPOS="668" VPOS="849" ID="st10-145"/><SP/><String HEIGHT="23" CONTENT="issues" WIDTH="61" HPOS="734" VPOS="849" ID="st10-146"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl10-15" WIDTH="405" HEIGHT="24"><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="196" VPOS="885" ID="st10-147"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="251" VPOS="885" ID="st10-148"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="43" HPOS="292" VPOS="885" ID="st10-149"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="342" VPOS="885" ID="st10-150"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="107" HPOS="389" VPOS="885" ID="st10-151"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="503" VPOS="885" ID="st10-152"/><SP/><String HEIGHT="24" CONTENT="years" WIDTH="50" HPOS="540" VPOS="885" ID="st10-153"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="590" VPOS="885" ID="st10-154"/></TextLine><TextLine HPOS="196" VPOS="957" ID="tl10-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="More" WIDTH="57" HPOS="196" VPOS="957" ID="st10-155"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="262" VPOS="957" ID="st10-156"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="320" VPOS="957" ID="st10-157"/><SP/><String HEIGHT="24" CONTENT="year" WIDTH="45" HPOS="341" VPOS="957" ID="st10-158"/><SP/><String HEIGHT="24" CONTENT="before" WIDTH="69" HPOS="395" VPOS="957" ID="st10-159"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="473" VPOS="957" ID="st10-160"/><SP/><String HEIGHT="24" CONTENT="scandal" WIDTH="79" HPOS="517" VPOS="957" ID="st10-161"/><SP/><String HEIGHT="24" CONTENT="broke" WIDTH="56" HPOS="605" VPOS="957" ID="st10-162"/><String HEIGHT="24" CONTENT=";" WIDTH="12" HPOS="661" VPOS="957" ID="st10-163"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="682" VPOS="957" ID="st10-164"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="746" VPOS="957" ID="st10-165"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl10-17" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="20,000" WIDTH="77" HPOS="196" VPOS="993" ID="st10-166"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="280" VPOS="993" ID="st10-167"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="344" VPOS="993" ID="st10-168"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="411" VPOS="993" ID="st10-169"/><SP/><String HEIGHT="24" CONTENT="signed" WIDTH="70" HPOS="503" VPOS="993" ID="st10-170"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="580" VPOS="993" ID="st10-171"/><SP/><String HEIGHT="24" CONTENT="petition" WIDTH="82" HPOS="600" VPOS="993" ID="st10-172"/><SP/><String HEIGHT="24" CONTENT="calling" WIDTH="68" HPOS="689" VPOS="993" ID="st10-173"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="764" VPOS="993" ID="st10-174"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl10-18" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="196" VPOS="1029" ID="st10-175"/><SP/><String HEIGHT="24" CONTENT="end" WIDTH="41" HPOS="233" VPOS="1029" ID="st10-176"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="284" VPOS="1029" ID="st10-177"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="317" VPOS="1029" ID="st10-178"/><SP/><String HEIGHT="24" CONTENT="aggressive" WIDTH="109" HPOS="362" VPOS="1029" ID="st10-179"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="482" VPOS="1029" ID="st10-180"/><SP/><String HEIGHT="24" CONTENT="goals" WIDTH="56" HPOS="542" VPOS="1029" ID="st10-181"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="608" VPOS="1029" ID="st10-182"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="659" VPOS="1029" ID="st10-183"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl10-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="pay" WIDTH="38" HPOS="196" VPOS="1065" ID="st10-184"/><SP/><String HEIGHT="24" CONTENT="systems" WIDTH="77" HPOS="241" VPOS="1065" ID="st10-185"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="318" VPOS="1065" ID="st10-186"/><SP/><String HEIGHT="24" CONTENT="Workers" WIDTH="89" HPOS="337" VPOS="1065" ID="st10-187"/><SP/><String HEIGHT="24" CONTENT="raised" WIDTH="63" HPOS="433" VPOS="1065" ID="st10-188"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="503" VPOS="1065" ID="st10-189"/><SP/><String HEIGHT="24" CONTENT="same" WIDTH="56" HPOS="545" VPOS="1065" ID="st10-190"/><SP/><String HEIGHT="24" CONTENT="demands" WIDTH="97" HPOS="608" VPOS="1065" ID="st10-191"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="712" VPOS="1065" ID="st10-192"/><SP/><String HEIGHT="24" CONTENT="2014" WIDTH="56" HPOS="739" VPOS="1065" ID="st10-193"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl10-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1101" ID="st10-194"/><SP/><String HEIGHT="24" CONTENT="2015" WIDTH="55" HPOS="244" VPOS="1101" ID="st10-195"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="307" VPOS="1101" ID="st10-196"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="56" HPOS="335" VPOS="1101" ID="st10-197"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="52" HPOS="398" VPOS="1101" ID="st10-198"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="450" VPOS="1101" ID="st10-199"/><String HEIGHT="24" CONTENT="s" WIDTH="11" HPOS="461" VPOS="1101" ID="st10-200"/><SP/><String HEIGHT="24" CONTENT="annual" WIDTH="73" HPOS="479" VPOS="1101" ID="st10-201"/><SP/><String HEIGHT="24" CONTENT="shareholder" WIDTH="124" HPOS="559" VPOS="1101" ID="st10-202"/><SP/><String HEIGHT="24" CONTENT="meetings" WIDTH="92" HPOS="691" VPOS="1101" ID="st10-203"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="783" VPOS="1101" ID="st10-204"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl10-21" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="Without" WIDTH="88" HPOS="196" VPOS="1138" ID="st10-205"/><SP/><String HEIGHT="23" CONTENT="any" WIDTH="38" HPOS="292" VPOS="1138" ID="st10-206"/><SP/><String HEIGHT="23" CONTENT="movement" WIDTH="114" HPOS="338" VPOS="1138" ID="st10-207"/><SP/><String HEIGHT="23" CONTENT="from" WIDTH="51" HPOS="460" VPOS="1138" ID="st10-208"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="519" VPOS="1138" ID="st10-209"/><SP/><String HEIGHT="23" CONTENT="company" WIDTH="97" HPOS="561" VPOS="1138" ID="st10-210"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="666" VPOS="1138" ID="st10-211"/><SP/><String HEIGHT="23" CONTENT="response" WIDTH="89" HPOS="694" VPOS="1138" ID="st10-212"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="783" VPOS="1138" ID="st10-213"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl10-22" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="workers" WIDTH="86" HPOS="196" VPOS="1174" ID="st10-214"/><SP/><String HEIGHT="23" CONTENT="eventually" WIDTH="108" HPOS="295" VPOS="1174" ID="st10-215"/><SP/><String HEIGHT="23" CONTENT="took" WIDTH="49" HPOS="416" VPOS="1174" ID="st10-216"/><SP/><String HEIGHT="23" CONTENT="direct" WIDTH="60" HPOS="478" VPOS="1174" ID="st10-217"/><SP/><String HEIGHT="23" CONTENT="action" WIDTH="62" HPOS="551" VPOS="1174" ID="st10-218"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="613" VPOS="1174" ID="st10-219"/><SP/><String HEIGHT="23" CONTENT="occupying" WIDTH="110" HPOS="637" VPOS="1174" ID="st10-220"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1174" ID="st10-221"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl10-23" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="lobbies" WIDTH="75" HPOS="196" VPOS="1210" ID="st10-222"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="278" VPOS="1210" ID="st10-223"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="56" HPOS="307" VPOS="1210" ID="st10-224"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="370" VPOS="1210" ID="st10-225"/><SP/><String HEIGHT="24" CONTENT="buildings" WIDTH="96" HPOS="436" VPOS="1210" ID="st10-226"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="539" VPOS="1210" ID="st10-227"/><SP/><String HEIGHT="24" CONTENT="Los" WIDTH="35" HPOS="565" VPOS="1210" ID="st10-228"/><SP/><String HEIGHT="24" CONTENT="Angeles" WIDTH="85" HPOS="606" VPOS="1210" ID="st10-229"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="698" VPOS="1210" ID="st10-230"/><SP/><String HEIGHT="24" CONTENT="Min" WIDTH="38" HPOS="745" VPOS="1210" ID="st10-231" SUBS_TYPE="HypPart1" SUBS_CONTENT="Minneapolis"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="1210" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl10-24" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="neapolis" WIDTH="84" HPOS="196" VPOS="1246" ID="st10-232" SUBS_TYPE="HypPart2" SUBS_CONTENT="Minneapolis"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="280" VPOS="1246" ID="st10-233"/><SP/><String HEIGHT="24" CONTENT="Workers" WIDTH="89" HPOS="303" VPOS="1246" ID="st10-234"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="403" VPOS="1246" ID="st10-235"/><SP/><String HEIGHT="24" CONTENT="came" WIDTH="57" HPOS="457" VPOS="1246" ID="st10-236"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="525" VPOS="1246" ID="st10-237"/><SP/><String HEIGHT="24" CONTENT="Washington" WIDTH="123" HPOS="559" VPOS="1246" ID="st10-238"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="682" VPOS="1246" ID="st10-239"/><SP/><String HEIGHT="24" CONTENT="D" WIDTH="10" HPOS="707" VPOS="1246" ID="st10-240"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="717" VPOS="1246" ID="st10-241"/><String HEIGHT="24" CONTENT="C" WIDTH="11" HPOS="728" VPOS="1246" ID="st10-242"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="739" VPOS="1246" ID="st10-243"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="750" VPOS="1246" ID="st10-244"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="773" VPOS="1246" ID="st10-245"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl10-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="brief" WIDTH="49" HPOS="196" VPOS="1282" ID="st10-246"/><SP/><String HEIGHT="24" CONTENT="members" WIDTH="99" HPOS="252" VPOS="1282" ID="st10-247"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="359" VPOS="1282" ID="st10-248"/><SP/><String HEIGHT="24" CONTENT="Congress" WIDTH="93" HPOS="388" VPOS="1282" ID="st10-249"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="481" VPOS="1282" ID="st10-250"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="501" VPOS="1282" ID="st10-251"/><SP/><String HEIGHT="24" CONTENT="CFPB" WIDTH="48" HPOS="543" VPOS="1282" ID="st10-252"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="591" VPOS="1282" ID="st10-253"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="612" VPOS="1282" ID="st10-254"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="659" VPOS="1282" ID="st10-255"/><SP/><String HEIGHT="24" CONTENT="Office" WIDTH="63" HPOS="702" VPOS="1282" ID="st10-256"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="772" VPOS="1282" ID="st10-257"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl10-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Comptroller" WIDTH="128" HPOS="196" VPOS="1318" ID="st10-258"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="330" VPOS="1318" ID="st10-259"/><SP/><String HEIGHT="24" CONTENT="Currency" WIDTH="96" HPOS="376" VPOS="1318" ID="st10-260"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="478" VPOS="1318" ID="st10-261"/><String HEIGHT="24" CONTENT="OCC" WIDTH="36" HPOS="490" VPOS="1318" ID="st10-262"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="526" VPOS="1318" ID="st10-263"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="538" VPOS="1318" ID="st10-264"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="557" VPOS="1318" ID="st10-265"/><SP/><String HEIGHT="24" CONTENT="led" WIDTH="32" HPOS="627" VPOS="1318" ID="st10-266"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="665" VPOS="1318" ID="st10-267"/><SP/><String HEIGHT="24" CONTENT="meaning" WIDTH="90" HPOS="693" VPOS="1318" ID="st10-268" SUBS_TYPE="HypPart1" SUBS_CONTENT="meaningful"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="1318" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl10-27" WIDTH="250" HEIGHT="24"><String HEIGHT="24" CONTENT="ful" WIDTH="28" HPOS="196" VPOS="1354" ID="st10-269" SUBS_TYPE="HypPart2" SUBS_CONTENT="meaningful"/><SP/><String HEIGHT="24" CONTENT="enforcement" WIDTH="136" HPOS="231" VPOS="1354" ID="st10-270"/><SP/><String HEIGHT="24" CONTENT="action" WIDTH="61" HPOS="374" VPOS="1354" ID="st10-271"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="435" VPOS="1354" ID="st10-272"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl10-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Workers" WIDTH="84" HPOS="196" VPOS="1426" ID="st10-273"/><String HEIGHT="24" CONTENT="’" WIDTH="13" HPOS="280" VPOS="1426" ID="st10-274"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="69" HPOS="307" VPOS="1426" ID="st10-275"/><SP/><String HEIGHT="24" CONTENT="yielded" WIDTH="76" HPOS="390" VPOS="1426" ID="st10-276"/><SP/><String HEIGHT="24" CONTENT="important" WIDTH="107" HPOS="480" VPOS="1426" ID="st10-277"/><SP/><String HEIGHT="24" CONTENT="changes" WIDTH="88" HPOS="601" VPOS="1426" ID="st10-278"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="703" VPOS="1426" ID="st10-279"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="738" VPOS="1426" ID="st10-280"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl10-29" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="Fargo" WIDTH="60" HPOS="196" VPOS="1463" ID="st10-281"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="269" VPOS="1463" ID="st10-282"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="322" VPOS="1463" ID="st10-283"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="354" VPOS="1463" ID="st10-284"/><SP/><String HEIGHT="23" CONTENT="industry" WIDTH="86" HPOS="401" VPOS="1463" ID="st10-285"/><SP/><String HEIGHT="23" CONTENT="as" WIDTH="22" HPOS="499" VPOS="1463" ID="st10-286"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="534" VPOS="1463" ID="st10-287"/><SP/><String HEIGHT="23" CONTENT="whole" WIDTH="60" HPOS="559" VPOS="1463" ID="st10-288"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="619" VPOS="1463" ID="st10-289"/><SP/><String HEIGHT="23" CONTENT="Following" WIDTH="104" HPOS="644" VPOS="1463" ID="st10-290"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1463" ID="st10-291"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl10-30" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="CFPB" WIDTH="45" HPOS="196" VPOS="1499" ID="st10-292"/><String HEIGHT="23" CONTENT="’" WIDTH="11" HPOS="241" VPOS="1499" ID="st10-293"/><String HEIGHT="23" CONTENT="s" WIDTH="12" HPOS="252" VPOS="1499" ID="st10-294"/><SP/><String HEIGHT="23" CONTENT="enforcement" WIDTH="135" HPOS="272" VPOS="1499" ID="st10-295"/><SP/><String HEIGHT="23" CONTENT="action" WIDTH="61" HPOS="415" VPOS="1499" ID="st10-296"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="476" VPOS="1499" ID="st10-297"/><SP/><String HEIGHT="23" CONTENT="Wells" WIDTH="57" HPOS="494" VPOS="1499" ID="st10-298"/><SP/><String HEIGHT="23" CONTENT="Fargo" WIDTH="60" HPOS="558" VPOS="1499" ID="st10-299"/><SP/><String HEIGHT="23" CONTENT="announced" WIDTH="119" HPOS="625" VPOS="1499" ID="st10-300"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="752" VPOS="1499" ID="st10-301"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl10-31" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="196" VPOS="1535" ID="st10-302"/><SP/><String HEIGHT="24" CONTENT="would" WIDTH="67" HPOS="222" VPOS="1535" ID="st10-303"/><SP/><String HEIGHT="24" CONTENT="eliminate" WIDTH="97" HPOS="302" VPOS="1535" ID="st10-304"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="412" VPOS="1535" ID="st10-305"/><SP/><String HEIGHT="24" CONTENT="goals" WIDTH="56" HPOS="474" VPOS="1535" ID="st10-306"/><SP/><String HEIGHT="24" CONTENT="nationally" WIDTH="98" HPOS="542" VPOS="1535" ID="st10-307"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="640" VPOS="1535" ID="st10-308"/><SP/><String HEIGHT="24" CONTENT="Additionally" WIDTH="121" HPOS="662" VPOS="1535" ID="st10-309"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="783" VPOS="1535" ID="st10-310"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl10-32" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1571" ID="st10-311"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="243" VPOS="1571" ID="st10-312"/><SP/><String HEIGHT="24" CONTENT="established" WIDTH="118" HPOS="309" VPOS="1571" ID="st10-313"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="439" VPOS="1571" ID="st10-314"/><SP/><String HEIGHT="24" CONTENT="Stakeholder" WIDTH="127" HPOS="464" VPOS="1571" ID="st10-315"/><SP/><String HEIGHT="24" CONTENT="Advisory" WIDTH="91" HPOS="603" VPOS="1571" ID="st10-316"/><SP/><String HEIGHT="24" CONTENT="Council" WIDTH="77" HPOS="706" VPOS="1571" ID="st10-317"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="783" VPOS="1571" ID="st10-318"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl10-33" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="196" VPOS="1607" ID="st10-319"/><SP/><String HEIGHT="24" CONTENT="includes" WIDTH="87" HPOS="266" VPOS="1607" ID="st10-320"/><SP/><String HEIGHT="24" CONTENT="representatives" WIDTH="159" HPOS="359" VPOS="1607" ID="st10-321"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="524" VPOS="1607" ID="st10-322"/><SP/><String HEIGHT="24" CONTENT="state" WIDTH="51" HPOS="581" VPOS="1607" ID="st10-323"/><SP/><String HEIGHT="24" CONTENT="pension" WIDTH="84" HPOS="638" VPOS="1607" ID="st10-324"/><SP/><String HEIGHT="24" CONTENT="funds" WIDTH="55" HPOS="728" VPOS="1607" ID="st10-325"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="783" VPOS="1607" ID="st10-326"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl10-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="faith" WIDTH="54" HPOS="196" VPOS="1643" ID="st10-327"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="250" VPOS="1643" ID="st10-328"/><String HEIGHT="24" CONTENT="based" WIDTH="54" HPOS="261" VPOS="1643" ID="st10-329"/><SP/><String HEIGHT="24" CONTENT="investors" WIDTH="90" HPOS="321" VPOS="1643" ID="st10-330"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="411" VPOS="1643" ID="st10-331"/><SP/><String HEIGHT="24" CONTENT="community" WIDTH="119" HPOS="427" VPOS="1643" ID="st10-332"/><SP/><String HEIGHT="24" CONTENT="organizations" WIDTH="139" HPOS="552" VPOS="1643" ID="st10-333"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="691" VPOS="1643" ID="st10-334"/><SP/><String HEIGHT="24" CONTENT="environ" WIDTH="77" HPOS="708" VPOS="1643" ID="st10-335" SUBS_TYPE="HypPart1" SUBS_CONTENT="environmental"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1643" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl10-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="mental" WIDTH="74" HPOS="196" VPOS="1679" ID="st10-336" SUBS_TYPE="HypPart2" SUBS_CONTENT="environmental"/><SP/><String HEIGHT="24" CONTENT="groups" WIDTH="69" HPOS="275" VPOS="1679" ID="st10-337"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="344" VPOS="1679" ID="st10-338"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="361" VPOS="1679" ID="st10-339"/><SP/><String HEIGHT="24" CONTENT="others" WIDTH="63" HPOS="407" VPOS="1679" ID="st10-340"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="470" VPOS="1679" ID="st10-341"/><SP/><String HEIGHT="24" CONTENT="Organized" WIDTH="110" HPOS="486" VPOS="1679" ID="st10-342"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="601" VPOS="1679" ID="st10-343"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="681" VPOS="1679" ID="st10-344"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="698" VPOS="1679" ID="st10-345"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="782" VPOS="1679" ID="st10-346"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl10-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="196" VPOS="1715" ID="st10-347"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="36" HPOS="256" VPOS="1715" ID="st10-348"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="301" VPOS="1715" ID="st10-349"/><SP/><String HEIGHT="24" CONTENT="included" WIDTH="91" HPOS="363" VPOS="1715" ID="st10-350"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="463" VPOS="1715" ID="st10-351"/><SP/><String HEIGHT="24" CONTENT="continue" WIDTH="93" HPOS="513" VPOS="1715" ID="st10-352"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="615" VPOS="1715" ID="st10-353"/><SP/><String HEIGHT="24" CONTENT="seek" WIDTH="47" HPOS="647" VPOS="1715" ID="st10-354"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="703" VPOS="1715" ID="st10-355"/><SP/><String HEIGHT="24" CONTENT="formal" WIDTH="70" HPOS="725" VPOS="1715" ID="st10-356"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl10-37" WIDTH="209" HEIGHT="24"><String HEIGHT="24" CONTENT="seat" WIDTH="43" HPOS="196" VPOS="1751" ID="st10-357"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="246" VPOS="1751" ID="st10-358"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="281" VPOS="1751" ID="st10-359"/><SP/><String HEIGHT="24" CONTENT="council" WIDTH="71" HPOS="323" VPOS="1751" ID="st10-360"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="394" VPOS="1751" ID="st10-361"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl10-38" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="At" WIDTH="25" HPOS="196" VPOS="1824" ID="st10-362"/><SP/><String HEIGHT="23" CONTENT="JPMorgan" WIDTH="106" HPOS="235" VPOS="1824" ID="st10-363"/><SP/><String HEIGHT="23" CONTENT="Chase" WIDTH="60" HPOS="355" VPOS="1824" ID="st10-364"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="415" VPOS="1824" ID="st10-365"/><SP/><String HEIGHT="23" CONTENT="incentive" WIDTH="95" HPOS="442" VPOS="1824" ID="st10-366"/><SP/><String HEIGHT="23" CONTENT="pay" WIDTH="37" HPOS="551" VPOS="1824" ID="st10-367"/><SP/><String HEIGHT="23" CONTENT="structures" WIDTH="105" HPOS="602" VPOS="1824" ID="st10-368"/><SP/><String HEIGHT="23" CONTENT="appear" WIDTH="74" HPOS="720" VPOS="1824" ID="st10-369"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl10-39" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="196" VPOS="1860" ID="st10-370"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="27" HPOS="229" VPOS="1860" ID="st10-371"/><SP/><String HEIGHT="24" CONTENT="similarly" WIDTH="85" HPOS="266" VPOS="1860" ID="st10-372"/><SP/><String HEIGHT="24" CONTENT="perilous" WIDTH="80" HPOS="361" VPOS="1860" ID="st10-373"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="441" VPOS="1860" ID="st10-374"/><SP/><String HEIGHT="24" CONTENT="A" WIDTH="17" HPOS="462" VPOS="1860" ID="st10-375"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="489" VPOS="1860" ID="st10-376"/><SP/><String HEIGHT="24" CONTENT="reported" WIDTH="91" HPOS="575" VPOS="1860" ID="st10-377"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="677" VPOS="1860" ID="st10-378"/><SP/><String HEIGHT="24" CONTENT="base" WIDTH="48" HPOS="700" VPOS="1860" ID="st10-379"/><SP/><String HEIGHT="24" CONTENT="sal" WIDTH="27" HPOS="759" VPOS="1860" ID="st10-380" SUBS_TYPE="HypPart1" SUBS_CONTENT="salary"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="1860" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl10-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ary" WIDTH="32" HPOS="196" VPOS="1896" ID="st10-381" SUBS_TYPE="HypPart2" SUBS_CONTENT="salary"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="239" VPOS="1896" ID="st10-382"/><SP/><String HEIGHT="24" CONTENT="33,000" WIDTH="76" HPOS="272" VPOS="1896" ID="st10-383"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="359" VPOS="1896" ID="st10-384"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="369" VPOS="1896" ID="st10-385"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="380" VPOS="1896" ID="st10-386"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="391" VPOS="1896" ID="st10-387"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="70" HPOS="412" VPOS="1896" ID="st10-388"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="492" VPOS="1896" ID="st10-389"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="546" VPOS="1896" ID="st10-390"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="576" VPOS="1896" ID="st10-391"/><SP/><String HEIGHT="24" CONTENT="past" WIDTH="44" HPOS="621" VPOS="1896" ID="st10-392"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="676" VPOS="1896" ID="st10-393"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="745" VPOS="1896" ID="st10-394"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl10-41" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="reached" WIDTH="85" HPOS="196" VPOS="1932" ID="st10-395"/><SP/><String HEIGHT="24" CONTENT="71,000" WIDTH="77" HPOS="287" VPOS="1932" ID="st10-396"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="370" VPOS="1932" ID="st10-397"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="380" VPOS="1932" ID="st10-398"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="391" VPOS="1932" ID="st10-399"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="402" VPOS="1932" ID="st10-400"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="69" HPOS="420" VPOS="1932" ID="st10-401"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="496" VPOS="1932" ID="st10-402"/><SP/><String HEIGHT="24" CONTENT="incentives" WIDTH="104" HPOS="549" VPOS="1932" ID="st10-403"/><String HEIGHT="24" CONTENT="(" WIDTH="13" HPOS="660" VPOS="1932" ID="st10-404"/><String HEIGHT="24" CONTENT="Anonymous" WIDTH="122" HPOS="673" VPOS="1932" ID="st10-405"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl10-42" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="employee" WIDTH="98" HPOS="196" VPOS="1968" ID="st10-406"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="294" VPOS="1968" ID="st10-407"/><SP/><String HEIGHT="24" CONTENT="personal" WIDTH="91" HPOS="319" VPOS="1968" ID="st10-408"/><SP/><String HEIGHT="24" CONTENT="communication" WIDTH="166" HPOS="422" VPOS="1968" ID="st10-409"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="600" VPOS="1968" ID="st10-410"/><SP/><String HEIGHT="24" CONTENT="author" WIDTH="65" HPOS="634" VPOS="1968" ID="st10-411"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="699" VPOS="1968" ID="st10-412"/><SP/><String HEIGHT="24" CONTENT="3" WIDTH="14" HPOS="722" VPOS="1968" ID="st10-413"/><SP/><String HEIGHT="24" CONTENT="May" WIDTH="46" HPOS="748" VPOS="1968" ID="st10-414"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl10-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="196" VPOS="2004" ID="st10-415"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="242" VPOS="2004" ID="st10-416"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="254" VPOS="2004" ID="st10-417"/><SP/><String HEIGHT="24" CONTENT="Following" WIDTH="103" HPOS="280" VPOS="2004" ID="st10-418"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="396" VPOS="2004" ID="st10-419"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="56" HPOS="445" VPOS="2004" ID="st10-420"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="515" VPOS="2004" ID="st10-421"/><SP/><String HEIGHT="24" CONTENT="action" WIDTH="62" HPOS="588" VPOS="2004" ID="st10-422"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="650" VPOS="2004" ID="st10-423"/><SP/><String HEIGHT="24" CONTENT="CEO" WIDTH="47" HPOS="674" VPOS="2004" ID="st10-424"/><SP/><String HEIGHT="24" CONTENT="Jamie" WIDTH="60" HPOS="735" VPOS="2004" ID="st10-425"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl10-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Dimon" WIDTH="71" HPOS="196" VPOS="2040" ID="st10-426"/><SP/><String HEIGHT="24" CONTENT="announced" WIDTH="120" HPOS="278" VPOS="2040" ID="st10-427"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="409" VPOS="2040" ID="st10-428"/><SP/><String HEIGHT="24" CONTENT="wage" WIDTH="58" HPOS="432" VPOS="2040" ID="st10-429"/><SP/><String HEIGHT="24" CONTENT="increase" WIDTH="86" HPOS="501" VPOS="2040" ID="st10-430"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="598" VPOS="2040" ID="st10-431"/><SP/><String HEIGHT="24" CONTENT="18,000" WIDTH="77" HPOS="639" VPOS="2040" ID="st10-432"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="727" VPOS="2040" ID="st10-433"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="2040" ID="st10-434"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl10-45" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="lowest" WIDTH="67" HPOS="858" VPOS="307" ID="st10-435"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="925" VPOS="307" ID="st10-436"/><String HEIGHT="24" CONTENT="paid" WIDTH="45" HPOS="936" VPOS="307" ID="st10-437"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="113" HPOS="992" VPOS="307" ID="st10-438"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1115" VPOS="307" ID="st10-439"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1148" VPOS="307" ID="st10-440"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="47" HPOS="1194" VPOS="307" ID="st10-441"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1241" VPOS="307" ID="st10-442"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="1264" VPOS="307" ID="st10-443"/><SP/><String HEIGHT="24" CONTENT="moved" WIDTH="72" HPOS="1339" VPOS="307" ID="st10-444"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="307" ID="st10-445"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl10-46" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="wage" WIDTH="58" HPOS="858" VPOS="343" ID="st10-446"/><SP/><String HEIGHT="24" CONTENT="floor" WIDTH="50" HPOS="922" VPOS="343" ID="st10-447"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="979" VPOS="343" ID="st10-448"/><SP/><String HEIGHT="24" CONTENT="10" WIDTH="25" HPOS="1036" VPOS="343" ID="st10-449"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1061" VPOS="343" ID="st10-450"/><String HEIGHT="24" CONTENT="15" WIDTH="26" HPOS="1073" VPOS="343" ID="st10-451"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1105" VPOS="343" ID="st10-452"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1115" VPOS="343" ID="st10-453"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1126" VPOS="343" ID="st10-454"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1137" VPOS="343" ID="st10-455"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="70" HPOS="1154" VPOS="343" ID="st10-456"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="1230" VPOS="343" ID="st10-457"/><SP/><String HEIGHT="24" CONTENT="hour" WIDTH="50" HPOS="1263" VPOS="343" ID="st10-458"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1319" VPOS="343" ID="st10-459"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1348" VPOS="343" ID="st10-460"/><SP/><String HEIGHT="24" CONTENT="range" WIDTH="61" HPOS="1367" VPOS="343" ID="st10-461"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="343" ID="st10-462"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl10-47" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="12" WIDTH="28" HPOS="858" VPOS="379" ID="st10-463"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="893" VPOS="379" ID="st10-464"/><SP/><String HEIGHT="24" CONTENT="16" WIDTH="25" HPOS="922" VPOS="379" ID="st10-465"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="947" VPOS="379" ID="st10-466"/><String HEIGHT="24" CONTENT="50" WIDTH="26" HPOS="959" VPOS="379" ID="st10-467"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="992" VPOS="379" ID="st10-468"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1002" VPOS="379" ID="st10-469"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1013" VPOS="379" ID="st10-470"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1024" VPOS="379" ID="st10-471"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="69" HPOS="1042" VPOS="379" ID="st10-472"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="1119" VPOS="379" ID="st10-473"/><SP/><String HEIGHT="24" CONTENT="hour" WIDTH="50" HPOS="1152" VPOS="379" ID="st10-474"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1209" VPOS="379" ID="st10-475"/><String HEIGHT="24" CONTENT="Reuters" WIDTH="72" HPOS="1219" VPOS="379" ID="st10-476"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1291" VPOS="379" ID="st10-477"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="1310" VPOS="379" ID="st10-478"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1356" VPOS="379" ID="st10-479"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1367" VPOS="379" ID="st10-480"/><SP/><String HEIGHT="24" CONTENT="Finally" WIDTH="61" HPOS="1386" VPOS="379" ID="st10-481"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1447" VPOS="379" ID="st10-482"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl10-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="415" ID="st10-483"/><SP/><String HEIGHT="24" CONTENT="Los" WIDTH="35" HPOS="899" VPOS="415" ID="st10-484"/><SP/><String HEIGHT="24" CONTENT="Angeles" WIDTH="85" HPOS="940" VPOS="415" ID="st10-485"/><SP/><String HEIGHT="24" CONTENT="City" WIDTH="42" HPOS="1031" VPOS="415" ID="st10-486"/><SP/><String HEIGHT="24" CONTENT="Council" WIDTH="81" HPOS="1079" VPOS="415" ID="st10-487"/><SP/><String HEIGHT="24" CONTENT="passed" WIDTH="72" HPOS="1166" VPOS="415" ID="st10-488"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1245" VPOS="415" ID="st10-489"/><SP/><String HEIGHT="24" CONTENT="Responsible" WIDTH="125" HPOS="1264" VPOS="415" ID="st10-490"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="49" HPOS="1395" VPOS="415" ID="st10-491" SUBS_TYPE="HypPart1" SUBS_CONTENT="Banking"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="415" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="451" ID="tl10-49" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ing" WIDTH="33" HPOS="858" VPOS="451" ID="st10-492" SUBS_TYPE="HypPart2" SUBS_CONTENT="Banking"/><SP/><String HEIGHT="24" CONTENT="Ordinance" WIDTH="110" HPOS="902" VPOS="451" ID="st10-493"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1023" VPOS="451" ID="st10-494"/><SP/><String HEIGHT="24" CONTENT="June" WIDTH="49" HPOS="1053" VPOS="451" ID="st10-495"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="56" HPOS="1113" VPOS="451" ID="st10-496"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1180" VPOS="451" ID="st10-497"/><SP/><String HEIGHT="24" CONTENT="reform" WIDTH="72" HPOS="1213" VPOS="451" ID="st10-498"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1296" VPOS="451" ID="st10-499"/><SP/><String HEIGHT="24" CONTENT="city" WIDTH="33" HPOS="1342" VPOS="451" ID="st10-500"/><String HEIGHT="24" CONTENT="’" WIDTH="8" HPOS="1375" VPOS="451" ID="st10-501"/><String HEIGHT="24" CONTENT="s" WIDTH="9" HPOS="1383" VPOS="451" ID="st10-502"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="1403" VPOS="451" ID="st10-503"/></TextLine><TextLine HPOS="858" VPOS="488" ID="tl10-50" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="contracting" WIDTH="121" HPOS="858" VPOS="488" ID="st10-504"/><SP/><String HEIGHT="23" CONTENT="process" WIDTH="79" HPOS="989" VPOS="488" ID="st10-505"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="1079" VPOS="488" ID="st10-506"/><SP/><String HEIGHT="23" CONTENT="requiring" WIDTH="95" HPOS="1115" VPOS="488" ID="st10-507"/><SP/><String HEIGHT="23" CONTENT="whistleblower" WIDTH="148" HPOS="1221" VPOS="488" ID="st10-508"/><SP/><String HEIGHT="23" CONTENT="protec" WIDTH="66" HPOS="1380" VPOS="488" ID="st10-509" SUBS_TYPE="HypPart1" SUBS_CONTENT="protections"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="488" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="524" ID="tl10-51" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="tions" WIDTH="51" HPOS="858" VPOS="524" ID="st10-510" SUBS_TYPE="HypPart2" SUBS_CONTENT="protections"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="30" HPOS="915" VPOS="524" ID="st10-511"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="951" VPOS="524" ID="st10-512"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1042" VPOS="524" ID="st10-513"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1088" VPOS="524" ID="st10-514"/><SP/><String HEIGHT="23" CONTENT="disclosure" WIDTH="104" HPOS="1128" VPOS="524" ID="st10-515"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1238" VPOS="524" ID="st10-516"/><SP/><String HEIGHT="23" CONTENT="sales" WIDTH="50" HPOS="1265" VPOS="524" ID="st10-517"/><SP/><String HEIGHT="23" CONTENT="goals" WIDTH="56" HPOS="1321" VPOS="524" ID="st10-518"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="1383" VPOS="524" ID="st10-519"/><String HEIGHT="23" CONTENT="Reyes" WIDTH="52" HPOS="1393" VPOS="524" ID="st10-520"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1445" VPOS="524" ID="st10-521"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl10-52" WIDTH="259" HEIGHT="24"><String HEIGHT="24" CONTENT="2017" WIDTH="49" HPOS="858" VPOS="560" ID="st10-522"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="907" VPOS="560" ID="st10-523"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="927" VPOS="560" ID="st10-524"/><SP/><String HEIGHT="24" CONTENT="Wack" WIDTH="52" HPOS="975" VPOS="560" ID="st10-525"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1027" VPOS="560" ID="st10-526"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="1047" VPOS="560" ID="st10-527"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1093" VPOS="560" ID="st10-528"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1105" VPOS="560" ID="st10-529"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl10-53" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="858" VPOS="632" ID="st10-530"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="57" HPOS="902" VPOS="632" ID="st10-531"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="964" VPOS="632" ID="st10-532"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="45" HPOS="1030" VPOS="632" ID="st10-533"/><SP/><String HEIGHT="24" CONTENT="demonstrates" WIDTH="145" HPOS="1081" VPOS="632" ID="st10-534"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1231" VPOS="632" ID="st10-535"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1280" VPOS="632" ID="st10-536"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="1370" VPOS="632" ID="st10-537"/><SP/><String HEIGHT="24" CONTENT="play" WIDTH="43" HPOS="1413" VPOS="632" ID="st10-538"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl10-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="858" VPOS="668" ID="st10-539"/><SP/><String HEIGHT="24" CONTENT="important" WIDTH="106" HPOS="894" VPOS="668" ID="st10-540"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="1010" VPOS="668" ID="st10-541"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1060" VPOS="668" ID="st10-542"/><SP/><String HEIGHT="24" CONTENT="recognizing" WIDTH="123" HPOS="1090" VPOS="668" ID="st10-543"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1223" VPOS="668" ID="st10-544"/><SP/><String HEIGHT="24" CONTENT="managing" WIDTH="107" HPOS="1273" VPOS="668" ID="st10-545"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="37" HPOS="1390" VPOS="668" ID="st10-546"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="668" ID="st10-547"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl10-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="858" VPOS="704" ID="st10-548"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="113" HPOS="955" VPOS="704" ID="st10-549"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1068" VPOS="704" ID="st10-550"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1086" VPOS="704" ID="st10-551"/><SP/><String HEIGHT="24" CONTENT="scandal" WIDTH="79" HPOS="1133" VPOS="704" ID="st10-552"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="1220" VPOS="704" ID="st10-553"/><SP/><String HEIGHT="24" CONTENT="ultimately" WIDTH="104" HPOS="1270" VPOS="704" ID="st10-554"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1382" VPOS="704" ID="st10-555"/><SP/><String HEIGHT="24" CONTENT="huge" WIDTH="54" HPOS="1402" VPOS="704" ID="st10-556"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl10-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="expense" WIDTH="86" HPOS="858" VPOS="740" ID="st10-557"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="953" VPOS="740" ID="st10-558"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="992" VPOS="740" ID="st10-559"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="48" HPOS="1036" VPOS="740" ID="st10-560"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1084" VPOS="740" ID="st10-561"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="1105" VPOS="740" ID="st10-562"/><SP/><String HEIGHT="24" CONTENT="managers" WIDTH="98" HPOS="1137" VPOS="740" ID="st10-563"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1235" VPOS="740" ID="st10-564"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1257" VPOS="740" ID="st10-565"/><SP/><String HEIGHT="24" CONTENT="shareholders" WIDTH="130" HPOS="1315" VPOS="740" ID="st10-566"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="740" ID="st10-567"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl10-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="consumers" WIDTH="108" HPOS="858" VPOS="776" ID="st10-568"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="966" VPOS="776" ID="st10-569"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="985" VPOS="776" ID="st10-570"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="107" HPOS="1033" VPOS="776" ID="st10-571"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1140" VPOS="776" ID="st10-572"/><SP/><String HEIGHT="24" CONTENT="Workers" WIDTH="83" HPOS="1159" VPOS="776" ID="st10-573"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1242" VPOS="776" ID="st10-574"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="1261" VPOS="776" ID="st10-575"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1345" VPOS="776" ID="st10-576"/><SP/><String HEIGHT="24" CONTENT="sounded" WIDTH="92" HPOS="1364" VPOS="776" ID="st10-577"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl10-58" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="858" VPOS="813" ID="st10-578"/><SP/><String HEIGHT="23" CONTENT="alarm" WIDTH="60" HPOS="902" VPOS="813" ID="st10-579"/><SP/><String HEIGHT="23" CONTENT="early" WIDTH="45" HPOS="971" VPOS="813" ID="st10-580"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="1016" VPOS="813" ID="st10-581"/><SP/><String HEIGHT="23" CONTENT="Had" WIDTH="43" HPOS="1035" VPOS="813" ID="st10-582"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1088" VPOS="813" ID="st10-583"/><SP/><String HEIGHT="23" CONTENT="governance" WIDTH="124" HPOS="1132" VPOS="813" ID="st10-584"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="1265" VPOS="813" ID="st10-585"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1297" VPOS="813" ID="st10-586"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="1341" VPOS="813" ID="st10-587"/><SP/><String HEIGHT="23" CONTENT="been" WIDTH="53" HPOS="1403" VPOS="813" ID="st10-588"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl10-59" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="structured" WIDTH="108" HPOS="858" VPOS="849" ID="st10-589"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="975" VPOS="849" ID="st10-590"/><SP/><String HEIGHT="23" CONTENT="listen" WIDTH="56" HPOS="1007" VPOS="849" ID="st10-591"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1072" VPOS="849" ID="st10-592"/><SP/><String HEIGHT="23" CONTENT="them" WIDTH="50" HPOS="1104" VPOS="849" ID="st10-593"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1154" VPOS="849" ID="st10-594"/><SP/><String HEIGHT="23" CONTENT="all" WIDTH="24" HPOS="1176" VPOS="849" ID="st10-595"/><SP/><String HEIGHT="23" CONTENT="parties" WIDTH="71" HPOS="1209" VPOS="849" ID="st10-596"/><SP/><String HEIGHT="23" CONTENT="may" WIDTH="44" HPOS="1290" VPOS="849" ID="st10-597"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="1344" VPOS="849" ID="st10-598"/><SP/><String HEIGHT="23" CONTENT="been" WIDTH="53" HPOS="1403" VPOS="849" ID="st10-599"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl10-60" WIDTH="308" HEIGHT="24"><String HEIGHT="24" CONTENT="spared" WIDTH="70" HPOS="858" VPOS="885" ID="st10-600"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="935" VPOS="885" ID="st10-601"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="999" VPOS="885" ID="st10-602"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="1028" VPOS="885" ID="st10-603"/><SP/><String HEIGHT="24" CONTENT="expense" WIDTH="81" HPOS="1073" VPOS="885" ID="st10-604"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1154" VPOS="885" ID="st10-605"/></TextLine><TextLine HPOS="858" VPOS="991" ID="tl10-61" WIDTH="120" HEIGHT="27"><String HEIGHT="27" CONTENT="Santander" WIDTH="120" HPOS="858" VPOS="991" ID="st10-606"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl10-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1065" ID="st10-607"/><SP/><String HEIGHT="24" CONTENT="Spanish" WIDTH="82" HPOS="905" VPOS="1065" ID="st10-608"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="995" VPOS="1065" ID="st10-609"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="109" HPOS="1056" VPOS="1065" ID="st10-610"/><SP/><String HEIGHT="24" CONTENT="entered" WIDTH="82" HPOS="1173" VPOS="1065" ID="st10-611"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1263" VPOS="1065" ID="st10-612"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1306" VPOS="1065" ID="st10-613"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1316" VPOS="1065" ID="st10-614"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1327" VPOS="1065" ID="st10-615"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1338" VPOS="1065" ID="st10-616"/><SP/><String HEIGHT="24" CONTENT="subprime" WIDTH="98" HPOS="1358" VPOS="1065" ID="st10-617"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl10-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="auto" WIDTH="48" HPOS="858" VPOS="1101" ID="st10-618"/><SP/><String HEIGHT="24" CONTENT="lending" WIDTH="79" HPOS="915" VPOS="1101" ID="st10-619"/><SP/><String HEIGHT="24" CONTENT="space" WIDTH="60" HPOS="1002" VPOS="1101" ID="st10-620"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1070" VPOS="1101" ID="st10-621"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1098" VPOS="1101" ID="st10-622"/><SP/><String HEIGHT="24" CONTENT="early" WIDTH="50" HPOS="1141" VPOS="1101" ID="st10-623"/><SP/><String HEIGHT="24" CONTENT="2000s" WIDTH="60" HPOS="1199" VPOS="1101" ID="st10-624"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1259" VPOS="1101" ID="st10-625"/><SP/><String HEIGHT="24" CONTENT="With" WIDTH="52" HPOS="1279" VPOS="1101" ID="st10-626"/><SP/><String HEIGHT="24" CONTENT="investment" WIDTH="116" HPOS="1340" VPOS="1101" ID="st10-627"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl10-64" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="from" WIDTH="51" HPOS="858" VPOS="1138" ID="st10-628"/><SP/><String HEIGHT="23" CONTENT="private" WIDTH="72" HPOS="915" VPOS="1138" ID="st10-629"/><SP/><String HEIGHT="23" CONTENT="equity" WIDTH="60" HPOS="993" VPOS="1138" ID="st10-630"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1053" VPOS="1138" ID="st10-631"/><SP/><String HEIGHT="23" CONTENT="it" WIDTH="14" HPOS="1068" VPOS="1138" ID="st10-632"/><SP/><String HEIGHT="23" CONTENT="grew" WIDTH="54" HPOS="1088" VPOS="1138" ID="st10-633"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1148" VPOS="1138" ID="st10-634"/><SP/><String HEIGHT="23" CONTENT="unit" WIDTH="41" HPOS="1197" VPOS="1138" ID="st10-635"/><SP/><String HEIGHT="23" CONTENT="into" WIDTH="42" HPOS="1244" VPOS="1138" ID="st10-636"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1292" VPOS="1138" ID="st10-637"/><SP/><String HEIGHT="23" CONTENT="public" WIDTH="64" HPOS="1332" VPOS="1138" ID="st10-638"/><SP/><String HEIGHT="23" CONTENT="com" WIDTH="41" HPOS="1402" VPOS="1138" ID="st10-639" SUBS_TYPE="HypPart1" SUBS_CONTENT="company"/><HYP CONTENT="-" WIDTH="13" HPOS="1443" VPOS="1138" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl10-65" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="pany" WIDTH="51" HPOS="858" VPOS="1174" ID="st10-640" SUBS_TYPE="HypPart2" SUBS_CONTENT="company"/><SP/><String HEIGHT="23" CONTENT="Santander" WIDTH="108" HPOS="920" VPOS="1174" ID="st10-641"/><SP/><String HEIGHT="23" CONTENT="Consumer" WIDTH="110" HPOS="1039" VPOS="1174" ID="st10-642"/><SP/><String HEIGHT="23" CONTENT="USA" WIDTH="39" HPOS="1160" VPOS="1174" ID="st10-643"/><String HEIGHT="23" CONTENT="," WIDTH="14" HPOS="1199" VPOS="1174" ID="st10-644"/><SP/><String HEIGHT="23" CONTENT="which" WIDTH="64" HPOS="1224" VPOS="1174" ID="st10-645"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="16" HPOS="1298" VPOS="1174" ID="st10-646"/><SP/><String HEIGHT="23" CONTENT="now" WIDTH="47" HPOS="1325" VPOS="1174" ID="st10-647"/><SP/><String HEIGHT="23" CONTENT="one" WIDTH="40" HPOS="1383" VPOS="1174" ID="st10-648"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="1174" ID="st10-649"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl10-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1210" ID="st10-650"/><SP/><String HEIGHT="24" CONTENT="largest" WIDTH="71" HPOS="900" VPOS="1210" ID="st10-651"/><SP/><String HEIGHT="24" CONTENT="subprime" WIDTH="98" HPOS="978" VPOS="1210" ID="st10-652"/><SP/><String HEIGHT="24" CONTENT="auto" WIDTH="48" HPOS="1084" VPOS="1210" ID="st10-653"/><SP/><String HEIGHT="24" CONTENT="lenders" WIDTH="76" HPOS="1140" VPOS="1210" ID="st10-654"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1223" VPOS="1210" ID="st10-655"/><SP/><String HEIGHT="24" CONTENT="securitizers" WIDTH="117" HPOS="1271" VPOS="1210" ID="st10-656"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1395" VPOS="1210" ID="st10-657"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1422" VPOS="1210" ID="st10-658"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl10-67" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="858" VPOS="1246" ID="st10-659"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="868" VPOS="1246" ID="st10-660"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="879" VPOS="1246" ID="st10-661"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="890" VPOS="1246" ID="st10-662"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="909" VPOS="1246" ID="st10-663"/><String HEIGHT="24" CONTENT="Massoudi" WIDTH="97" HPOS="921" VPOS="1246" ID="st10-664"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1026" VPOS="1246" ID="st10-665"/><SP/><String HEIGHT="24" CONTENT="Rodrigues" WIDTH="101" HPOS="1075" VPOS="1246" ID="st10-666"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1176" VPOS="1246" ID="st10-667"/><SP/><String HEIGHT="24" CONTENT="2014" WIDTH="46" HPOS="1196" VPOS="1246" ID="st10-668"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1242" VPOS="1246" ID="st10-669"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1254" VPOS="1246" ID="st10-670"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="99" HPOS="1274" VPOS="1246" ID="st10-671"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="1373" VPOS="1246" ID="st10-672"/><String HEIGHT="24" CONTENT="s" WIDTH="12" HPOS="1384" VPOS="1246" ID="st10-673"/><SP/><String HEIGHT="24" CONTENT="busi" WIDTH="41" HPOS="1405" VPOS="1246" ID="st10-674" SUBS_TYPE="HypPart1" SUBS_CONTENT="business"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1246" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl10-68" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ness" WIDTH="46" HPOS="858" VPOS="1282" ID="st10-675" SUBS_TYPE="HypPart2" SUBS_CONTENT="business"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="93" HPOS="911" VPOS="1282" ID="st10-676"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1011" VPOS="1282" ID="st10-677"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1069" VPOS="1282" ID="st10-678"/><SP/><String HEIGHT="24" CONTENT="time" WIDTH="47" HPOS="1111" VPOS="1282" ID="st10-679"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1166" VPOS="1282" ID="st10-680"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1195" VPOS="1282" ID="st10-681"/><SP/><String HEIGHT="24" CONTENT="entry" WIDTH="54" HPOS="1226" VPOS="1282" ID="st10-682"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="42" HPOS="1287" VPOS="1282" ID="st10-683"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="1336" VPOS="1282" ID="st10-684"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="1381" VPOS="1282" ID="st10-685"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl10-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="858" VPOS="1318" ID="st10-686"/><SP/><String HEIGHT="24" CONTENT="raised" WIDTH="63" HPOS="915" VPOS="1318" ID="st10-687"/><SP/><String HEIGHT="24" CONTENT="serious" WIDTH="74" HPOS="985" VPOS="1318" ID="st10-688"/><SP/><String HEIGHT="24" CONTENT="issues" WIDTH="61" HPOS="1066" VPOS="1318" ID="st10-689"/><SP/><String HEIGHT="24" CONTENT="involving" WIDTH="95" HPOS="1134" VPOS="1318" ID="st10-690"/><SP/><String HEIGHT="24" CONTENT="false" WIDTH="49" HPOS="1236" VPOS="1318" ID="st10-691"/><SP/><String HEIGHT="24" CONTENT="statements" WIDTH="117" HPOS="1292" VPOS="1318" ID="st10-692"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1318" ID="st10-693"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl10-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="conflicts" WIDTH="87" HPOS="858" VPOS="1354" ID="st10-694"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="950" VPOS="1354" ID="st10-695"/><SP/><String HEIGHT="24" CONTENT="interest" WIDTH="78" HPOS="978" VPOS="1354" ID="st10-696"/><SP/><String HEIGHT="24" CONTENT="reminiscent" WIDTH="121" HPOS="1061" VPOS="1354" ID="st10-697"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1188" VPOS="1354" ID="st10-698"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1215" VPOS="1354" ID="st10-699"/><SP/><String HEIGHT="24" CONTENT="pre" WIDTH="36" HPOS="1255" VPOS="1354" ID="st10-700"/><String HEIGHT="24" CONTENT="-" WIDTH="13" HPOS="1291" VPOS="1354" ID="st10-701"/><String HEIGHT="24" CONTENT="2008" WIDTH="49" HPOS="1304" VPOS="1354" ID="st10-702"/><SP/><String HEIGHT="24" CONTENT="subprime" WIDTH="98" HPOS="1358" VPOS="1354" ID="st10-703"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl10-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="mortgage" WIDTH="105" HPOS="858" VPOS="1390" ID="st10-704"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="70" HPOS="977" VPOS="1390" ID="st10-705"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1047" VPOS="1390" ID="st10-706"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1073" VPOS="1390" ID="st10-707"/><SP/><String HEIGHT="24" CONTENT="majority" WIDTH="87" HPOS="1126" VPOS="1390" ID="st10-708"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1227" VPOS="1390" ID="st10-709"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="100" HPOS="1263" VPOS="1390" ID="st10-710"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="1363" VPOS="1390" ID="st10-711"/><String HEIGHT="24" CONTENT="s" WIDTH="12" HPOS="1374" VPOS="1390" ID="st10-712"/><SP/><String HEIGHT="24" CONTENT="loans" WIDTH="56" HPOS="1400" VPOS="1390" ID="st10-713"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl10-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="858" VPOS="1426" ID="st10-714"/><SP/><String HEIGHT="24" CONTENT="originated" WIDTH="109" HPOS="904" VPOS="1426" ID="st10-715"/><SP/><String HEIGHT="24" CONTENT="through" WIDTH="86" HPOS="1027" VPOS="1426" ID="st10-716"/><SP/><String HEIGHT="24" CONTENT="complex" WIDTH="90" HPOS="1126" VPOS="1426" ID="st10-717"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1229" VPOS="1426" ID="st10-718"/><SP/><String HEIGHT="24" CONTENT="opaque" WIDTH="82" HPOS="1282" VPOS="1426" ID="st10-719"/><SP/><String HEIGHT="24" CONTENT="indirect" WIDTH="79" HPOS="1377" VPOS="1426" ID="st10-720"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl10-73" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="relationships" WIDTH="133" HPOS="858" VPOS="1463" ID="st10-721"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="1001" VPOS="1463" ID="st10-722"/><SP/><String HEIGHT="23" CONTENT="auto" WIDTH="48" HPOS="1058" VPOS="1463" ID="st10-723"/><SP/><String HEIGHT="23" CONTENT="dealerships" WIDTH="114" HPOS="1116" VPOS="1463" ID="st10-724"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1230" VPOS="1463" ID="st10-725"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="1251" VPOS="1463" ID="st10-726"/><SP/><String HEIGHT="23" CONTENT="Santander" WIDTH="108" HPOS="1302" VPOS="1463" ID="st10-727"/><SP/><String HEIGHT="23" CONTENT="has" WIDTH="36" HPOS="1420" VPOS="1463" ID="st10-728"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl10-74" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="maintained" WIDTH="119" HPOS="858" VPOS="1499" ID="st10-729"/><SP/><String HEIGHT="23" CONTENT="profitability" WIDTH="120" HPOS="985" VPOS="1499" ID="st10-730"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="1113" VPOS="1499" ID="st10-731"/><SP/><String HEIGHT="23" CONTENT="developing" WIDTH="117" HPOS="1146" VPOS="1499" ID="st10-732"/><SP/><String HEIGHT="23" CONTENT="specialized" WIDTH="113" HPOS="1271" VPOS="1499" ID="st10-733"/><SP/><String HEIGHT="23" CONTENT="meth" WIDTH="52" HPOS="1392" VPOS="1499" ID="st10-734" SUBS_TYPE="HypPart1" SUBS_CONTENT="methods"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1499" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl10-75" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ods" WIDTH="37" HPOS="858" VPOS="1535" ID="st10-735" SUBS_TYPE="HypPart2" SUBS_CONTENT="methods"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="900" VPOS="1535" ID="st10-736"/><SP/><String HEIGHT="24" CONTENT="collecting" WIDTH="101" HPOS="928" VPOS="1535" ID="st10-737"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="1034" VPOS="1535" ID="st10-738"/><SP/><String HEIGHT="24" CONTENT="defaulted" WIDTH="101" HPOS="1067" VPOS="1535" ID="st10-739"/><SP/><String HEIGHT="24" CONTENT="auto" WIDTH="48" HPOS="1174" VPOS="1535" ID="st10-740"/><SP/><String HEIGHT="24" CONTENT="loans" WIDTH="52" HPOS="1227" VPOS="1535" ID="st10-741"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1279" VPOS="1535" ID="st10-742"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1295" VPOS="1535" ID="st10-743"/><SP/><String HEIGHT="24" CONTENT="dealerships" WIDTH="118" HPOS="1339" VPOS="1535" ID="st10-744"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl10-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="concerned" WIDTH="111" HPOS="858" VPOS="1571" ID="st10-745"/><SP/><String HEIGHT="24" CONTENT="would" WIDTH="66" HPOS="980" VPOS="1571" ID="st10-746"/><SP/><String HEIGHT="24" CONTENT="routinely" WIDTH="93" HPOS="1057" VPOS="1571" ID="st10-747"/><SP/><String HEIGHT="24" CONTENT="falsify" WIDTH="61" HPOS="1160" VPOS="1571" ID="st10-748"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1232" VPOS="1571" ID="st10-749"/><SP/><String HEIGHT="24" CONTENT="inflate" WIDTH="67" HPOS="1264" VPOS="1571" ID="st10-750"/><SP/><String HEIGHT="24" CONTENT="borrowers" WIDTH="103" HPOS="1341" VPOS="1571" ID="st10-751"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1444" VPOS="1571" ID="st10-752"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl10-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="incomes" WIDTH="83" HPOS="858" VPOS="1607" ID="st10-753"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="941" VPOS="1607" ID="st10-754"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="965" VPOS="1607" ID="st10-755"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="1016" VPOS="1607" ID="st10-756"/><SP/><String HEIGHT="24" CONTENT="involved" WIDTH="88" HPOS="1091" VPOS="1607" ID="st10-757"/><SP/><String HEIGHT="24" CONTENT="would" WIDTH="67" HPOS="1191" VPOS="1607" ID="st10-758"/><SP/><String HEIGHT="24" CONTENT="then" WIDTH="49" HPOS="1270" VPOS="1607" ID="st10-759"/><SP/><String HEIGHT="24" CONTENT="resell" WIDTH="54" HPOS="1331" VPOS="1607" ID="st10-760"/><SP/><String HEIGHT="24" CONTENT="those" WIDTH="59" HPOS="1397" VPOS="1607" ID="st10-761"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl10-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="loans" WIDTH="55" HPOS="858" VPOS="1643" ID="st10-762"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="919" VPOS="1643" ID="st10-763"/><SP/><String HEIGHT="24" CONTENT="investors" WIDTH="90" HPOS="946" VPOS="1643" ID="st10-764"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1036" VPOS="1643" ID="st10-765"/><SP/><String HEIGHT="24" CONTENT="knowing" WIDTH="93" HPOS="1051" VPOS="1643" ID="st10-766"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="1149" VPOS="1643" ID="st10-767"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="1200" VPOS="1643" ID="st10-768"/><SP/><String HEIGHT="24" CONTENT="unsafe" WIDTH="70" HPOS="1258" VPOS="1643" ID="st10-769"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1334" VPOS="1643" ID="st10-770"/><String HEIGHT="24" CONTENT="Fernandes" WIDTH="99" HPOS="1345" VPOS="1643" ID="st10-771"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1444" VPOS="1643" ID="st10-772"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl10-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="858" VPOS="1679" ID="st10-773"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="904" VPOS="1679" ID="st10-774"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="915" VPOS="1679" ID="st10-775"/><SP/><String HEIGHT="24" CONTENT="As" WIDTH="26" HPOS="933" VPOS="1679" ID="st10-776"/><SP/><String HEIGHT="24" CONTENT="Massachusetts" WIDTH="154" HPOS="964" VPOS="1679" ID="st10-777"/><SP/><String HEIGHT="24" CONTENT="Attorney" WIDTH="93" HPOS="1124" VPOS="1679" ID="st10-778"/><SP/><String HEIGHT="24" CONTENT="General" WIDTH="83" HPOS="1222" VPOS="1679" ID="st10-779"/><SP/><String HEIGHT="24" CONTENT="Maura" WIDTH="69" HPOS="1311" VPOS="1679" ID="st10-780"/><SP/><String HEIGHT="24" CONTENT="Healey" WIDTH="71" HPOS="1385" VPOS="1679" ID="st10-781"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl10-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="stated" WIDTH="65" HPOS="858" VPOS="1715" ID="st10-782"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="933" VPOS="1715" ID="st10-783"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="963" VPOS="1715" ID="st10-784"/><SP/><String HEIGHT="24" CONTENT="wake" WIDTH="57" HPOS="1008" VPOS="1715" ID="st10-785"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1075" VPOS="1715" ID="st10-786"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1108" VPOS="1715" ID="st10-787"/><SP/><String HEIGHT="24" CONTENT="settlement" WIDTH="113" HPOS="1130" VPOS="1715" ID="st10-788"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1253" VPOS="1715" ID="st10-789"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1311" VPOS="1715" ID="st10-790"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="47" HPOS="1356" VPOS="1715" ID="st10-791"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1403" VPOS="1715" ID="st10-792"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1426" VPOS="1715" ID="st10-793"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl10-81" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Santander" WIDTH="108" HPOS="858" VPOS="1751" ID="st10-794"/><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="975" VPOS="1751" ID="st10-795"/><String HEIGHT="24" CONTENT="the" WIDTH="36" HPOS="987" VPOS="1751" ID="st10-796"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="65" HPOS="1032" VPOS="1751" ID="st10-797"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="103" HPOS="1106" VPOS="1751" ID="st10-798"/><SP/><String HEIGHT="24" CONTENT="collapse" WIDTH="85" HPOS="1217" VPOS="1751" ID="st10-799"/><SP/><String HEIGHT="24" CONTENT="wasn" WIDTH="47" HPOS="1310" VPOS="1751" ID="st10-800"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1357" VPOS="1751" ID="st10-801"/><String HEIGHT="24" CONTENT="t" WIDTH="12" HPOS="1369" VPOS="1751" ID="st10-802"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1389" VPOS="1751" ID="st10-803"/><SP/><String HEIGHT="24" CONTENT="cau" WIDTH="35" HPOS="1410" VPOS="1751" ID="st10-804" SUBS_TYPE="HypPart1" SUBS_CONTENT="cautionary"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="1751" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl10-82" WIDTH="533" HEIGHT="23"><String HEIGHT="23" CONTENT="tionary" WIDTH="73" HPOS="858" VPOS="1788" ID="st10-805" SUBS_TYPE="HypPart2" SUBS_CONTENT="cautionary"/><SP/><String HEIGHT="23" CONTENT="tale" WIDTH="36" HPOS="938" VPOS="1788" ID="st10-806"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="974" VPOS="1788" ID="st10-807"/><SP/><String HEIGHT="23" CONTENT="It" WIDTH="14" HPOS="991" VPOS="1788" ID="st10-808"/><SP/><String HEIGHT="23" CONTENT="was" WIDTH="42" HPOS="1012" VPOS="1788" ID="st10-809"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="1061" VPOS="1788" ID="st10-810"/><SP/><String HEIGHT="23" CONTENT="blueprint" WIDTH="95" HPOS="1080" VPOS="1788" ID="st10-811"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1175" VPOS="1788" ID="st10-812"/><String HEIGHT="23" CONTENT="«" WIDTH="11" HPOS="1186" VPOS="1788" ID="st10-813"/><String HEIGHT="23" CONTENT="(" WIDTH="11" HPOS="1204" VPOS="1788" ID="st10-814"/><String HEIGHT="23" CONTENT="Saunders" WIDTH="88" HPOS="1215" VPOS="1788" ID="st10-815"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1303" VPOS="1788" ID="st10-816"/><SP/><String HEIGHT="23" CONTENT="2017" WIDTH="46" HPOS="1322" VPOS="1788" ID="st10-817"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="1368" VPOS="1788" ID="st10-818"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1379" VPOS="1788" ID="st10-819"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl10-83" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Here" WIDTH="44" HPOS="858" VPOS="1860" ID="st10-820"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="902" VPOS="1860" ID="st10-821"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="921" VPOS="1860" ID="st10-822"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="950" VPOS="1860" ID="st10-823"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="977" VPOS="1860" ID="st10-824"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="46" HPOS="1018" VPOS="1860" ID="st10-825"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1071" VPOS="1860" ID="st10-826"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="56" HPOS="1100" VPOS="1860" ID="st10-827"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="55" HPOS="1163" VPOS="1860" ID="st10-828"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1218" VPOS="1860" ID="st10-829"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1237" VPOS="1860" ID="st10-830"/><SP/><String HEIGHT="24" CONTENT="raised" WIDTH="63" HPOS="1328" VPOS="1860" ID="st10-831"/><SP/><String HEIGHT="24" CONTENT="many" WIDTH="58" HPOS="1398" VPOS="1860" ID="st10-832"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl10-84" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="risks" WIDTH="45" HPOS="858" VPOS="1896" ID="st10-833"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="908" VPOS="1896" ID="st10-834"/><SP/><String HEIGHT="24" CONTENT="concerns" WIDTH="94" HPOS="954" VPOS="1896" ID="st10-835"/><SP/><String HEIGHT="24" CONTENT="regarding" WIDTH="101" HPOS="1053" VPOS="1896" ID="st10-836"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="99" HPOS="1159" VPOS="1896" ID="st10-837"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="1258" VPOS="1896" ID="st10-838"/><String HEIGHT="24" CONTENT="s" WIDTH="12" HPOS="1269" VPOS="1896" ID="st10-839"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="89" HPOS="1286" VPOS="1896" ID="st10-840"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1375" VPOS="1896" ID="st10-841"/><SP/><String HEIGHT="24" CONTENT="Work" WIDTH="53" HPOS="1390" VPOS="1896" ID="st10-842" SUBS_TYPE="HypPart1" SUBS_CONTENT="Workers"/><HYP CONTENT="-" WIDTH="13" HPOS="1443" VPOS="1896" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl10-85" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ers" WIDTH="30" HPOS="858" VPOS="1932" ID="st10-843" SUBS_TYPE="HypPart2" SUBS_CONTENT="Workers"/><SP/><String HEIGHT="24" CONTENT="noted" WIDTH="63" HPOS="897" VPOS="1932" ID="st10-844"/><SP/><String HEIGHT="24" CONTENT="instances" WIDTH="98" HPOS="968" VPOS="1932" ID="st10-845"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1074" VPOS="1932" ID="st10-846"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="109" HPOS="1105" VPOS="1932" ID="st10-847"/><SP/><String HEIGHT="24" CONTENT="Consumer" WIDTH="110" HPOS="1222" VPOS="1932" ID="st10-848"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="103" HPOS="1341" VPOS="1932" ID="st10-849"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1444" VPOS="1932" ID="st10-850"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl10-86" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="loans" WIDTH="56" HPOS="858" VPOS="1968" ID="st10-851"/><SP/><String HEIGHT="24" CONTENT="being" WIDTH="60" HPOS="928" VPOS="1968" ID="st10-852"/><SP/><String HEIGHT="24" CONTENT="extended" WIDTH="100" HPOS="1002" VPOS="1968" ID="st10-853"/><SP/><String HEIGHT="24" CONTENT="without" WIDTH="84" HPOS="1116" VPOS="1968" ID="st10-854"/><SP/><String HEIGHT="24" CONTENT="any" WIDTH="38" HPOS="1214" VPOS="1968" ID="st10-855"/><SP/><String HEIGHT="24" CONTENT="contact" WIDTH="80" HPOS="1266" VPOS="1968" ID="st10-856"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="1360" VPOS="1968" ID="st10-857"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1422" VPOS="1968" ID="st10-858"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl10-87" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="customer" WIDTH="98" HPOS="858" VPOS="2004" ID="st10-859"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="966" VPOS="2004" ID="st10-860"/><SP/><String HEIGHT="24" CONTENT="identified" WIDTH="100" HPOS="1015" VPOS="2004" ID="st10-861"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1125" VPOS="2004" ID="st10-862"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="44" HPOS="1169" VPOS="2004" ID="st10-863"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="1213" VPOS="2004" ID="st10-864"/><String HEIGHT="24" CONTENT="pressure" WIDTH="89" HPOS="1224" VPOS="2004" ID="st10-865"/><SP/><String HEIGHT="24" CONTENT="environment" WIDTH="134" HPOS="1322" VPOS="2004" ID="st10-866"/></TextLine><TextLine HPOS="858" VPOS="2040" ID="tl10-88" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="858" VPOS="2040" ID="st10-867"/><SP/><String HEIGHT="24" CONTENT="call" WIDTH="35" HPOS="885" VPOS="2040" ID="st10-868"/><SP/><String HEIGHT="24" CONTENT="centers" WIDTH="76" HPOS="927" VPOS="2040" ID="st10-869"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1010" VPOS="2040" ID="st10-870"/><SP/><String HEIGHT="24" CONTENT="business" WIDTH="89" HPOS="1057" VPOS="2040" ID="st10-871"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="93" HPOS="1153" VPOS="2040" ID="st10-872"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1253" VPOS="2040" ID="st10-873"/><SP/><String HEIGHT="24" CONTENT="created" WIDTH="78" HPOS="1303" VPOS="2040" ID="st10-874"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1388" VPOS="2040" ID="st10-875"/><SP/><String HEIGHT="24" CONTENT="dan" WIDTH="36" HPOS="1408" VPOS="2040" ID="st10-876" SUBS_TYPE="HypPart1" SUBS_CONTENT="dan9"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="2040" HEIGHT="24"/></TextLine><TextLine HPOS="818" VPOS="2254" ID="tl10-89" WIDTH="16" HEIGHT="28"><String HEIGHT="28" CONTENT="9" WIDTH="16" HPOS="818" VPOS="2254" ID="st10-877" SUBS_TYPE="HypPart2" SUBS_CONTENT="dan9"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="11" ID="p840450" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840450" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840450" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl11-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st11-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st11-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st11-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st11-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st11-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st11-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st11-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st11-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st11-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st11-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st11-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st11-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st11-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st11-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st11-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st11-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st11-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st11-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st11-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl11-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="gerous" WIDTH="72" HPOS="196" VPOS="307" ID="st11-19"/><SP/><String HEIGHT="24" CONTENT="cycle" WIDTH="51" HPOS="274" VPOS="307" ID="st11-20"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="331" VPOS="307" ID="st11-21"/><SP/><String HEIGHT="24" CONTENT="defaulted" WIDTH="101" HPOS="359" VPOS="307" ID="st11-22"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="466" VPOS="307" ID="st11-23"/><SP/><String HEIGHT="24" CONTENT="reinstated" WIDTH="105" HPOS="512" VPOS="307" ID="st11-24"/><SP/><String HEIGHT="24" CONTENT="loans" WIDTH="56" HPOS="622" VPOS="307" ID="st11-25"/><SP/><String HEIGHT="24" CONTENT="potentially" WIDTH="111" HPOS="684" VPOS="307" ID="st11-26"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl11-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="harming" WIDTH="89" HPOS="196" VPOS="343" ID="st11-27"/><SP/><String HEIGHT="24" CONTENT="hundreds" WIDTH="99" HPOS="291" VPOS="343" ID="st11-28"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="396" VPOS="343" ID="st11-29"/><SP/><String HEIGHT="24" CONTENT="thousands" WIDTH="110" HPOS="424" VPOS="343" ID="st11-30"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="539" VPOS="343" ID="st11-31"/><SP/><String HEIGHT="24" CONTENT="consumers" WIDTH="114" HPOS="567" VPOS="343" ID="st11-32"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="686" VPOS="343" ID="st11-33"/><String HEIGHT="24" CONTENT="McGrath" WIDTH="84" HPOS="698" VPOS="343" ID="st11-34"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="782" VPOS="343" ID="st11-35"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl11-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Christman" WIDTH="106" HPOS="196" VPOS="379" ID="st11-36"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="302" VPOS="379" ID="st11-37"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="327" VPOS="379" ID="st11-38"/><SP/><String HEIGHT="24" CONTENT="Keyser" WIDTH="63" HPOS="381" VPOS="379" ID="st11-39"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="444" VPOS="379" ID="st11-40"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="468" VPOS="379" ID="st11-41"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="514" VPOS="379" ID="st11-42"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="526" VPOS="379" ID="st11-43"/><SP/><String HEIGHT="24" CONTENT="They" WIDTH="51" HPOS="551" VPOS="379" ID="st11-44"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="615" VPOS="379" ID="st11-45"/><SP/><String HEIGHT="24" CONTENT="alleged" WIDTH="77" HPOS="670" VPOS="379" ID="st11-46"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="379" ID="st11-47"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl11-4" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="company" WIDTH="86" HPOS="196" VPOS="415" ID="st11-48"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="282" VPOS="415" ID="st11-49"/><String HEIGHT="24" CONTENT="s" WIDTH="13" HPOS="294" VPOS="415" ID="st11-50"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="313" VPOS="415" ID="st11-51"/><SP/><String HEIGHT="24" CONTENT="monitoring" WIDTH="118" HPOS="454" VPOS="415" ID="st11-52"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="577" VPOS="415" ID="st11-53"/><SP/><String HEIGHT="24" CONTENT="incentive" WIDTH="94" HPOS="623" VPOS="415" ID="st11-54"/><SP/><String HEIGHT="24" CONTENT="system" WIDTH="72" HPOS="722" VPOS="415" ID="st11-55"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl11-5" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="impeded" WIDTH="93" HPOS="196" VPOS="451" ID="st11-56"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="300" VPOS="451" ID="st11-57"/><SP/><String HEIGHT="24" CONTENT="ability" WIDTH="63" HPOS="359" VPOS="451" ID="st11-58"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="432" VPOS="451" ID="st11-59"/><SP/><String HEIGHT="24" CONTENT="speak" WIDTH="61" HPOS="465" VPOS="451" ID="st11-60"/><SP/><String HEIGHT="24" CONTENT="up" WIDTH="28" HPOS="537" VPOS="451" ID="st11-61"/><SP/><String HEIGHT="24" CONTENT="about" WIDTH="63" HPOS="575" VPOS="451" ID="st11-62"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="93" HPOS="648" VPOS="451" ID="st11-63"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="752" VPOS="451" ID="st11-64"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl11-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="might" WIDTH="63" HPOS="196" VPOS="488" ID="st11-65"/><SP/><String HEIGHT="23" CONTENT="harm" WIDTH="56" HPOS="268" VPOS="488" ID="st11-66"/><SP/><String HEIGHT="23" CONTENT="customers" WIDTH="109" HPOS="333" VPOS="488" ID="st11-67"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="451" VPOS="488" ID="st11-68"/><SP/><String HEIGHT="23" CONTENT="pressured" WIDTH="102" HPOS="501" VPOS="488" ID="st11-69"/><SP/><String HEIGHT="23" CONTENT="them" WIDTH="56" HPOS="612" VPOS="488" ID="st11-70"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="677" VPOS="488" ID="st11-71"/><SP/><String HEIGHT="23" CONTENT="approve" WIDTH="86" HPOS="709" VPOS="488" ID="st11-72"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl11-7" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="loans" WIDTH="56" HPOS="196" VPOS="524" ID="st11-73"/><SP/><String HEIGHT="23" CONTENT="too" WIDTH="36" HPOS="257" VPOS="524" ID="st11-74"/><SP/><String HEIGHT="23" CONTENT="quickly" WIDTH="73" HPOS="299" VPOS="524" ID="st11-75"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="377" VPOS="524" ID="st11-76"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="423" VPOS="524" ID="st11-77"/><SP/><String HEIGHT="23" CONTENT="collect" WIDTH="68" HPOS="451" VPOS="524" ID="st11-78"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="524" VPOS="524" ID="st11-79"/><SP/><String HEIGHT="23" CONTENT="debt" WIDTH="49" HPOS="557" VPOS="524" ID="st11-80"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="611" VPOS="524" ID="st11-81"/><SP/><String HEIGHT="23" CONTENT="unsavory" WIDTH="94" HPOS="636" VPOS="524" ID="st11-82"/><SP/><String HEIGHT="23" CONTENT="ways" WIDTH="48" HPOS="735" VPOS="524" ID="st11-83"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="783" VPOS="524" ID="st11-84"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl11-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Workers" WIDTH="89" HPOS="196" VPOS="560" ID="st11-85"/><SP/><String HEIGHT="24" CONTENT="identified" WIDTH="100" HPOS="292" VPOS="560" ID="st11-86"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="400" VPOS="560" ID="st11-87"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="450" VPOS="560" ID="st11-88"/><SP/><String HEIGHT="24" CONTENT="new" WIDTH="46" HPOS="492" VPOS="560" ID="st11-89"/><SP/><String HEIGHT="24" CONTENT="speech" WIDTH="73" HPOS="546" VPOS="560" ID="st11-90"/><SP/><String HEIGHT="24" CONTENT="recognition" WIDTH="120" HPOS="627" VPOS="560" ID="st11-91"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="754" VPOS="560" ID="st11-92"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl11-9" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="call" WIDTH="35" HPOS="196" VPOS="596" ID="st11-93"/><SP/><String HEIGHT="24" CONTENT="quality" WIDTH="72" HPOS="245" VPOS="596" ID="st11-94"/><SP/><String HEIGHT="24" CONTENT="monitoring" WIDTH="119" HPOS="330" VPOS="596" ID="st11-95"/><SP/><String HEIGHT="24" CONTENT="software" WIDTH="89" HPOS="463" VPOS="596" ID="st11-96"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="552" VPOS="596" ID="st11-97"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="577" VPOS="596" ID="st11-98"/><String HEIGHT="24" CONTENT="CallMiner," WIDTH="114" HPOS="588" VPOS="596" ID="st11-99"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="702" VPOS="596" ID="st11-100"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="40" HPOS="728" VPOS="596" ID="st11-101"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="782" VPOS="596" ID="st11-102"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl11-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="potentially" WIDTH="111" HPOS="196" VPOS="632" ID="st11-103"/><SP/><String HEIGHT="24" CONTENT="discriminatory" WIDTH="149" HPOS="318" VPOS="632" ID="st11-104"/><SP/><String HEIGHT="24" CONTENT="impact" WIDTH="72" HPOS="478" VPOS="632" ID="st11-105"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="27" HPOS="561" VPOS="632" ID="st11-106"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="599" VPOS="632" ID="st11-107"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="659" VPOS="632" ID="st11-108"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl11-11" WIDTH="317" HEIGHT="24"><String HEIGHT="24" CONTENT="scores" WIDTH="65" HPOS="196" VPOS="668" ID="st11-109"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="268" VPOS="668" ID="st11-110"/><String HEIGHT="24" CONTENT="McGrath" WIDTH="90" HPOS="280" VPOS="668" ID="st11-111"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="376" VPOS="668" ID="st11-112"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="404" VPOS="668" ID="st11-113"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="420" VPOS="668" ID="st11-114"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="428" VPOS="668" ID="st11-115"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="443" VPOS="668" ID="st11-116"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="489" VPOS="668" ID="st11-117"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="501" VPOS="668" ID="st11-118"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl11-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Workers" WIDTH="89" HPOS="196" VPOS="740" ID="st11-119"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="41" HPOS="293" VPOS="740" ID="st11-120"/><SP/><String HEIGHT="24" CONTENT="participated" WIDTH="127" HPOS="342" VPOS="740" ID="st11-121"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="477" VPOS="740" ID="st11-122"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="504" VPOS="740" ID="st11-123"/><SP/><String HEIGHT="24" CONTENT="company" WIDTH="86" HPOS="547" VPOS="740" ID="st11-124"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="633" VPOS="740" ID="st11-125"/><String HEIGHT="24" CONTENT="s" WIDTH="13" HPOS="645" VPOS="740" ID="st11-126"/><SP/><String HEIGHT="24" CONTENT="annual" WIDTH="72" HPOS="666" VPOS="740" ID="st11-127"/><SP/><String HEIGHT="24" CONTENT="gen" WIDTH="37" HPOS="746" VPOS="740" ID="st11-128" SUBS_TYPE="HypPart1" SUBS_CONTENT="general"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="740" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl11-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="eral" WIDTH="39" HPOS="196" VPOS="776" ID="st11-129" SUBS_TYPE="HypPart2" SUBS_CONTENT="general"/><SP/><String HEIGHT="24" CONTENT="meeting" WIDTH="82" HPOS="244" VPOS="776" ID="st11-130"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="326" VPOS="776" ID="st11-131"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="347" VPOS="776" ID="st11-132"/><SP/><String HEIGHT="24" CONTENT="one" WIDTH="40" HPOS="403" VPOS="776" ID="st11-133"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="67" HPOS="452" VPOS="776" ID="st11-134"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="519" VPOS="776" ID="st11-135"/><SP/><String HEIGHT="24" CONTENT="Jerry" WIDTH="49" HPOS="540" VPOS="776" ID="st11-136"/><SP/><String HEIGHT="24" CONTENT="Robinson" WIDTH="94" HPOS="597" VPOS="776" ID="st11-137"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="691" VPOS="776" ID="st11-138"/><SP/><String HEIGHT="24" CONTENT="explain" WIDTH="74" HPOS="711" VPOS="776" ID="st11-139" SUBS_TYPE="HypPart1" SUBS_CONTENT="explaining"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="776" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl11-14" WIDTH="41" HEIGHT="23"><String HEIGHT="23" CONTENT="ing" WIDTH="30" HPOS="196" VPOS="813" ID="st11-140" SUBS_TYPE="HypPart2" SUBS_CONTENT="explaining"/><String HEIGHT="23" CONTENT=":" WIDTH="11" HPOS="226" VPOS="813" ID="st11-141"/></TextLine><TextLine HPOS="228" VPOS="885" ID="tl11-15" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="15" HPOS="228" VPOS="885" ID="st11-142"/><String HEIGHT="24" CONTENT="When" WIDTH="63" HPOS="243" VPOS="885" ID="st11-143"/><SP/><String HEIGHT="24" CONTENT="I" WIDTH="6" HPOS="314" VPOS="885" ID="st11-144"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="328" VPOS="885" ID="st11-145"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="378" VPOS="885" ID="st11-146"/><SP/><String HEIGHT="24" CONTENT="employee" WIDTH="103" HPOS="413" VPOS="885" ID="st11-147"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="525" VPOS="885" ID="st11-148"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="553" VPOS="885" ID="st11-149"/><SP/><String HEIGHT="24" CONTENT="Reinstatement" WIDTH="153" HPOS="596" VPOS="885" ID="st11-150"/><SP/><String HEIGHT="24" CONTENT="De" WIDTH="26" HPOS="757" VPOS="885" ID="st11-151" SUBS_TYPE="HypPart1" SUBS_CONTENT="Department"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="885" HEIGHT="24"/></TextLine><TextLine HPOS="228" VPOS="921" ID="tl11-16" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="partment" WIDTH="93" HPOS="228" VPOS="921" ID="st11-152" SUBS_TYPE="HypPart2" SUBS_CONTENT="Department"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="321" VPOS="921" ID="st11-153"/><SP/><String HEIGHT="24" CONTENT="our" WIDTH="36" HPOS="340" VPOS="921" ID="st11-154"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="383" VPOS="921" ID="st11-155"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="526" VPOS="921" ID="st11-156"/><SP/><String HEIGHT="24" CONTENT="evaluated" WIDTH="103" HPOS="574" VPOS="921" ID="st11-157"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="684" VPOS="921" ID="st11-158"/><SP/><String HEIGHT="24" CONTENT="metrics" WIDTH="77" HPOS="718" VPOS="921" ID="st11-159"/></TextLine><TextLine HPOS="228" VPOS="957" ID="tl11-17" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="228" VPOS="957" ID="st11-160"/><SP/><String HEIGHT="24" CONTENT="included" WIDTH="90" HPOS="275" VPOS="957" ID="st11-161"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="369" VPOS="957" ID="st11-162"/><SP/><String HEIGHT="24" CONTENT="number" WIDTH="82" HPOS="409" VPOS="957" ID="st11-163"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="496" VPOS="957" ID="st11-164"/><SP/><String HEIGHT="24" CONTENT="delinquent" WIDTH="113" HPOS="523" VPOS="957" ID="st11-165"/><SP/><String HEIGHT="24" CONTENT="loans" WIDTH="56" HPOS="640" VPOS="957" ID="st11-166"/><SP/><String HEIGHT="24" CONTENT="we" WIDTH="32" HPOS="700" VPOS="957" ID="st11-167"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="737" VPOS="957" ID="st11-168"/></TextLine><TextLine HPOS="228" VPOS="993" ID="tl11-18" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="successfully" WIDTH="122" HPOS="228" VPOS="993" ID="st11-169"/><SP/><String HEIGHT="24" CONTENT="reinstate" WIDTH="88" HPOS="357" VPOS="993" ID="st11-170"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="445" VPOS="993" ID="st11-171"/><SP/><String HEIGHT="24" CONTENT="If" WIDTH="14" HPOS="461" VPOS="993" ID="st11-172"/><SP/><String HEIGHT="24" CONTENT="we" WIDTH="32" HPOS="482" VPOS="993" ID="st11-173"/><SP/><String HEIGHT="24" CONTENT="failed" WIDTH="59" HPOS="520" VPOS="993" ID="st11-174"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="585" VPOS="993" ID="st11-175"/><SP/><String HEIGHT="24" CONTENT="reinstate" WIDTH="91" HPOS="614" VPOS="993" ID="st11-176"/><SP/><String HEIGHT="24" CONTENT="loans" WIDTH="51" HPOS="712" VPOS="993" ID="st11-177"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="763" VPOS="993" ID="st11-178"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="781" VPOS="993" ID="st11-179"/></TextLine><TextLine HPOS="228" VPOS="1029" ID="tl11-19" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="228" VPOS="1029" ID="st11-180"/><SP/><String HEIGHT="24" CONTENT="result" WIDTH="58" HPOS="294" VPOS="1029" ID="st11-181"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="361" VPOS="1029" ID="st11-182"/><SP/><String HEIGHT="24" CONTENT="no" WIDTH="28" HPOS="388" VPOS="1029" ID="st11-183"/><SP/><String HEIGHT="24" CONTENT="bonus" WIDTH="60" HPOS="424" VPOS="1029" ID="st11-184"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="484" VPOS="1029" ID="st11-185"/><SP/><String HEIGHT="24" CONTENT="possible" WIDTH="84" HPOS="505" VPOS="1029" ID="st11-186"/><SP/><String HEIGHT="24" CONTENT="disciplinary" WIDTH="116" HPOS="598" VPOS="1029" ID="st11-187"/><SP/><String HEIGHT="24" CONTENT="action" WIDTH="61" HPOS="723" VPOS="1029" ID="st11-188"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="1029" ID="st11-189"/></TextLine><TextLine HPOS="228" VPOS="1065" ID="tl11-20" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="228" VPOS="1065" ID="st11-190"/><SP/><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="274" VPOS="1065" ID="st11-191"/><SP/><String HEIGHT="24" CONTENT="termination" WIDTH="120" HPOS="330" VPOS="1065" ID="st11-192"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="450" VPOS="1065" ID="st11-193"/><SP/><String HEIGHT="24" CONTENT="Our" WIDTH="40" HPOS="467" VPOS="1065" ID="st11-194"/><SP/><String HEIGHT="24" CONTENT="managers" WIDTH="105" HPOS="513" VPOS="1065" ID="st11-195"/><SP/><String HEIGHT="24" CONTENT="said" WIDTH="41" HPOS="624" VPOS="1065" ID="st11-196"/><SP/><String HEIGHT="24" CONTENT="our" WIDTH="37" HPOS="671" VPOS="1065" ID="st11-197"/><SP/><String HEIGHT="24" CONTENT="job" WIDTH="33" HPOS="714" VPOS="1065" ID="st11-198"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="753" VPOS="1065" ID="st11-199"/></TextLine><TextLine HPOS="228" VPOS="1101" ID="tl11-21" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="228" VPOS="1101" ID="st11-200"/><SP/><String HEIGHT="24" CONTENT="try" WIDTH="28" HPOS="257" VPOS="1101" ID="st11-201"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="292" VPOS="1101" ID="st11-202"/><SP/><String HEIGHT="24" CONTENT="get" WIDTH="34" HPOS="321" VPOS="1101" ID="st11-203"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="108" HPOS="362" VPOS="1101" ID="st11-204"/><SP/><String HEIGHT="24" CONTENT="back" WIDTH="50" HPOS="477" VPOS="1101" ID="st11-205"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="534" VPOS="1101" ID="st11-206"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="560" VPOS="1101" ID="st11-207"/><SP/><String HEIGHT="24" CONTENT="cars" WIDTH="39" HPOS="616" VPOS="1101" ID="st11-208"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="655" VPOS="1101" ID="st11-209"/><SP/><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="671" VPOS="1101" ID="st11-210"/><SP/><String HEIGHT="24" CONTENT="if" WIDTH="14" HPOS="728" VPOS="1101" ID="st11-211"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="749" VPOS="1101" ID="st11-212"/></TextLine><TextLine HPOS="228" VPOS="1138" ID="tl11-22" WIDTH="567" HEIGHT="23"><String HEIGHT="23" CONTENT="had" WIDTH="40" HPOS="228" VPOS="1138" ID="st11-213"/><SP/><String HEIGHT="23" CONTENT="defaulted" WIDTH="102" HPOS="278" VPOS="1138" ID="st11-214"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="390" VPOS="1138" ID="st11-215"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="49" HPOS="428" VPOS="1138" ID="st11-216"/><SP/><String HEIGHT="23" CONTENT="loans" WIDTH="56" HPOS="487" VPOS="1138" ID="st11-217"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="553" VPOS="1138" ID="st11-218"/><SP/><String HEIGHT="23" CONTENT="had" WIDTH="41" HPOS="603" VPOS="1138" ID="st11-219"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="49" HPOS="654" VPOS="1138" ID="st11-220"/><SP/><String HEIGHT="23" CONTENT="vehicles" WIDTH="82" HPOS="713" VPOS="1138" ID="st11-221"/></TextLine><TextLine HPOS="228" VPOS="1174" ID="tl11-23" WIDTH="567" HEIGHT="23"><String HEIGHT="23" CONTENT="repossessed" WIDTH="121" HPOS="228" VPOS="1174" ID="st11-222"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="349" VPOS="1174" ID="st11-223"/><SP/><String HEIGHT="23" CONTENT="They" WIDTH="50" HPOS="369" VPOS="1174" ID="st11-224"/><SP/><String HEIGHT="23" CONTENT="said" WIDTH="41" HPOS="427" VPOS="1174" ID="st11-225"/><SP/><String HEIGHT="23" CONTENT="we" WIDTH="32" HPOS="476" VPOS="1174" ID="st11-226"/><SP/><String HEIGHT="23" CONTENT="had" WIDTH="41" HPOS="516" VPOS="1174" ID="st11-227"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="565" VPOS="1174" ID="st11-228"/><SP/><String HEIGHT="23" CONTENT="try" WIDTH="28" HPOS="595" VPOS="1174" ID="st11-229"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="631" VPOS="1174" ID="st11-230"/><SP/><String HEIGHT="23" CONTENT="reinstate" WIDTH="91" HPOS="661" VPOS="1174" ID="st11-231"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1174" ID="st11-232"/></TextLine><TextLine HPOS="228" VPOS="1210" ID="tl11-24" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="loan" WIDTH="42" HPOS="228" VPOS="1210" ID="st11-233"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="270" VPOS="1210" ID="st11-234"/><SP/><String HEIGHT="24" CONTENT="get" WIDTH="35" HPOS="289" VPOS="1210" ID="st11-235"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="333" VPOS="1210" ID="st11-236"/><SP/><String HEIGHT="24" CONTENT="customer" WIDTH="98" HPOS="376" VPOS="1210" ID="st11-237"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="483" VPOS="1210" ID="st11-238"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="37" HPOS="514" VPOS="1210" ID="st11-239"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="560" VPOS="1210" ID="st11-240"/><SP/><String HEIGHT="24" CONTENT="repossession" WIDTH="133" HPOS="603" VPOS="1210" ID="st11-241"/><SP/><String HEIGHT="24" CONTENT="fees" WIDTH="40" HPOS="745" VPOS="1210" ID="st11-242"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="785" VPOS="1210" ID="st11-243"/></TextLine><TextLine HPOS="228" VPOS="1246" ID="tl11-25" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="take" WIDTH="45" HPOS="228" VPOS="1246" ID="st11-244"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="279" VPOS="1246" ID="st11-245"/><SP/><String HEIGHT="24" CONTENT="past" WIDTH="45" HPOS="318" VPOS="1246" ID="st11-246"/><SP/><String HEIGHT="24" CONTENT="due" WIDTH="40" HPOS="368" VPOS="1246" ID="st11-247"/><SP/><String HEIGHT="24" CONTENT="months" WIDTH="74" HPOS="413" VPOS="1246" ID="st11-248"/><String HEIGHT="24" CONTENT="’" WIDTH="13" HPOS="487" VPOS="1246" ID="st11-249"/><SP/><String HEIGHT="24" CONTENT="payments" WIDTH="97" HPOS="505" VPOS="1246" ID="st11-250"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="602" VPOS="1246" ID="st11-251"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="620" VPOS="1246" ID="st11-252"/><SP/><String HEIGHT="24" CONTENT="put" WIDTH="36" HPOS="665" VPOS="1246" ID="st11-253"/><SP/><String HEIGHT="24" CONTENT="them" WIDTH="56" HPOS="706" VPOS="1246" ID="st11-254"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="767" VPOS="1246" ID="st11-255"/></TextLine><TextLine HPOS="228" VPOS="1282" ID="tl11-26" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="228" VPOS="1282" ID="st11-256"/><SP/><String HEIGHT="24" CONTENT="back" WIDTH="50" HPOS="269" VPOS="1282" ID="st11-257"/><SP/><String HEIGHT="24" CONTENT="end" WIDTH="40" HPOS="326" VPOS="1282" ID="st11-258"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="372" VPOS="1282" ID="st11-259"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="401" VPOS="1282" ID="st11-260"/><SP/><String HEIGHT="24" CONTENT="note" WIDTH="49" HPOS="442" VPOS="1282" ID="st11-261"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="497" VPOS="1282" ID="st11-262"/><SP/><String HEIGHT="24" CONTENT="charge" WIDTH="72" HPOS="544" VPOS="1282" ID="st11-263"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="623" VPOS="1282" ID="st11-264"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="109" HPOS="686" VPOS="1282" ID="st11-265"/></TextLine><TextLine HPOS="228" VPOS="1318" ID="tl11-27" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="another" WIDTH="83" HPOS="228" VPOS="1318" ID="st11-266"/><SP/><String HEIGHT="24" CONTENT="modification" WIDTH="134" HPOS="319" VPOS="1318" ID="st11-267"/><SP/><String HEIGHT="24" CONTENT="fee" WIDTH="30" HPOS="461" VPOS="1318" ID="st11-268"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="491" VPOS="1318" ID="st11-269"/><SP/><String HEIGHT="24" CONTENT="Our" WIDTH="41" HPOS="509" VPOS="1318" ID="st11-270"/><SP/><String HEIGHT="24" CONTENT="job" WIDTH="33" HPOS="558" VPOS="1318" ID="st11-271"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="599" VPOS="1318" ID="st11-272"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="649" VPOS="1318" ID="st11-273"/><SP/><String HEIGHT="24" CONTENT="get" WIDTH="34" HPOS="680" VPOS="1318" ID="st11-274"/><SP/><String HEIGHT="24" CONTENT="people" WIDTH="73" HPOS="722" VPOS="1318" ID="st11-275"/></TextLine><TextLine HPOS="228" VPOS="1354" ID="tl11-28" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="who" WIDTH="47" HPOS="228" VPOS="1354" ID="st11-276"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="282" VPOS="1354" ID="st11-277"/><SP/><String HEIGHT="24" CONTENT="already" WIDTH="76" HPOS="341" VPOS="1354" ID="st11-278"/><SP/><String HEIGHT="24" CONTENT="upside" WIDTH="70" HPOS="423" VPOS="1354" ID="st11-279"/><SP/><String HEIGHT="24" CONTENT="down" WIDTH="61" HPOS="499" VPOS="1354" ID="st11-280"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="567" VPOS="1354" ID="st11-281"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="601" VPOS="1354" ID="st11-282"/><SP/><String HEIGHT="24" CONTENT="loans" WIDTH="55" HPOS="657" VPOS="1354" ID="st11-283"/><SP/><String HEIGHT="24" CONTENT="back" WIDTH="50" HPOS="719" VPOS="1354" ID="st11-284"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1354" ID="st11-285"/></TextLine><TextLine HPOS="228" VPOS="1390" ID="tl11-29" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="228" VPOS="1390" ID="st11-286"/><SP/><String HEIGHT="24" CONTENT="cars" WIDTH="42" HPOS="284" VPOS="1390" ID="st11-287"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="334" VPOS="1390" ID="st11-288"/><SP/><String HEIGHT="24" CONTENT="making" WIDTH="79" HPOS="367" VPOS="1390" ID="st11-289"/><SP/><String HEIGHT="24" CONTENT="them" WIDTH="55" HPOS="454" VPOS="1390" ID="st11-290"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="38" HPOS="517" VPOS="1390" ID="st11-291"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="56" HPOS="562" VPOS="1390" ID="st11-292"/><SP/><String HEIGHT="24" CONTENT="fees" WIDTH="40" HPOS="625" VPOS="1390" ID="st11-293"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="665" VPOS="1390" ID="st11-294"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="683" VPOS="1390" ID="st11-295"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="41" HPOS="733" VPOS="1390" ID="st11-296"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="782" VPOS="1390" ID="st11-297"/></TextLine><TextLine HPOS="228" VPOS="1426" ID="tl11-30" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="cycle" WIDTH="51" HPOS="228" VPOS="1426" ID="st11-298"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="288" VPOS="1426" ID="st11-299"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="109" HPOS="340" VPOS="1426" ID="st11-300"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="458" VPOS="1426" ID="st11-301"/><SP/><String HEIGHT="24" CONTENT="repeat" WIDTH="68" HPOS="525" VPOS="1426" ID="st11-302"/><SP/><String HEIGHT="24" CONTENT="several" WIDTH="72" HPOS="602" VPOS="1426" ID="st11-303"/><SP/><String HEIGHT="24" CONTENT="times" WIDTH="57" HPOS="683" VPOS="1426" ID="st11-304"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="749" VPOS="1426" ID="st11-305"/></TextLine><TextLine HPOS="228" VPOS="1463" ID="tl11-31" WIDTH="567" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="228" VPOS="1463" ID="st11-306"/><SP/><String HEIGHT="23" CONTENT="life" WIDTH="32" HPOS="271" VPOS="1463" ID="st11-307"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="311" VPOS="1463" ID="st11-308"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="49" HPOS="341" VPOS="1463" ID="st11-309"/><SP/><String HEIGHT="23" CONTENT="loan" WIDTH="42" HPOS="398" VPOS="1463" ID="st11-310"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="440" VPOS="1463" ID="st11-311"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="459" VPOS="1463" ID="st11-312"/><SP/><String HEIGHT="23" CONTENT="it" WIDTH="14" HPOS="508" VPOS="1463" ID="st11-313"/><SP/><String HEIGHT="23" CONTENT="became" WIDTH="83" HPOS="530" VPOS="1463" ID="st11-314"/><SP/><String HEIGHT="23" CONTENT="clear" WIDTH="50" HPOS="621" VPOS="1463" ID="st11-315"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="680" VPOS="1463" ID="st11-316"/><SP/><String HEIGHT="23" CONTENT="me" WIDTH="33" HPOS="710" VPOS="1463" ID="st11-317"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="752" VPOS="1463" ID="st11-318"/></TextLine><TextLine HPOS="228" VPOS="1499" ID="tl11-32" WIDTH="567" HEIGHT="23"><String HEIGHT="23" CONTENT="this" WIDTH="37" HPOS="228" VPOS="1499" ID="st11-319"/><SP/><String HEIGHT="23" CONTENT="cycle" WIDTH="51" HPOS="276" VPOS="1499" ID="st11-320"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="338" VPOS="1499" ID="st11-321"/><SP/><String HEIGHT="23" CONTENT="defaults" WIDTH="81" HPOS="370" VPOS="1499" ID="st11-322"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="451" VPOS="1499" ID="st11-323"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="472" VPOS="1499" ID="st11-324"/><SP/><String HEIGHT="23" CONTENT="loan" WIDTH="46" HPOS="523" VPOS="1499" ID="st11-325"/><SP/><String HEIGHT="23" CONTENT="reinstatements" WIDTH="153" HPOS="579" VPOS="1499" ID="st11-326"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="732" VPOS="1499" ID="st11-327"/><SP/><String HEIGHT="23" CONTENT="was" WIDTH="42" HPOS="753" VPOS="1499" ID="st11-328"/></TextLine><TextLine HPOS="228" VPOS="1535" ID="tl11-33" WIDTH="470" HEIGHT="24"><String HEIGHT="24" CONTENT="NOT" WIDTH="47" HPOS="228" VPOS="1535" ID="st11-329"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="282" VPOS="1535" ID="st11-330"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="308" VPOS="1535" ID="st11-331"/><SP/><String HEIGHT="24" CONTENT="best" WIDTH="45" HPOS="350" VPOS="1535" ID="st11-332"/><SP/><String HEIGHT="24" CONTENT="interests" WIDTH="89" HPOS="401" VPOS="1535" ID="st11-333"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="497" VPOS="1535" ID="st11-334"/><SP/><String HEIGHT="24" CONTENT="our" WIDTH="36" HPOS="526" VPOS="1535" ID="st11-335"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="105" HPOS="569" VPOS="1535" ID="st11-336"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="674" VPOS="1535" ID="st11-337"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="686" VPOS="1535" ID="st11-338"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl11-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Finally" WIDTH="62" HPOS="196" VPOS="1607" ID="st11-339"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="258" VPOS="1607" ID="st11-340"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="278" VPOS="1607" ID="st11-341"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="374" VPOS="1607" ID="st11-342"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="109" HPOS="436" VPOS="1607" ID="st11-343"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="556" VPOS="1607" ID="st11-344"/><SP/><String HEIGHT="24" CONTENT="briefed" WIDTH="76" HPOS="609" VPOS="1607" ID="st11-345"/><SP/><String HEIGHT="24" CONTENT="members" WIDTH="99" HPOS="696" VPOS="1607" ID="st11-346"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl11-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="196" VPOS="1643" ID="st11-347"/><SP/><String HEIGHT="24" CONTENT="Congress" WIDTH="93" HPOS="226" VPOS="1643" ID="st11-348"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="319" VPOS="1643" ID="st11-349"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="338" VPOS="1643" ID="st11-350"/><SP/><String HEIGHT="24" CONTENT="CFPB" WIDTH="48" HPOS="380" VPOS="1643" ID="st11-351"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="428" VPOS="1643" ID="st11-352"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="448" VPOS="1643" ID="st11-353"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="495" VPOS="1643" ID="st11-354"/><SP/><String HEIGHT="24" CONTENT="OCC" WIDTH="52" HPOS="537" VPOS="1643" ID="st11-355"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="596" VPOS="1643" ID="st11-356"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="56" HPOS="622" VPOS="1643" ID="st11-357"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="685" VPOS="1643" ID="st11-358"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="50" HPOS="732" VPOS="1643" ID="st11-359"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="782" VPOS="1643" ID="st11-360"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl11-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="196" VPOS="1679" ID="st11-361"/><SP/><String HEIGHT="24" CONTENT="spite" WIDTH="50" HPOS="224" VPOS="1679" ID="st11-362"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="283" VPOS="1679" ID="st11-363"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="314" VPOS="1679" ID="st11-364"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="357" VPOS="1679" ID="st11-365"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="401" VPOS="1679" ID="st11-366"/><SP/><String HEIGHT="24" CONTENT="retaliation" WIDTH="104" HPOS="432" VPOS="1679" ID="st11-367"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="536" VPOS="1679" ID="st11-368"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="554" VPOS="1679" ID="st11-369"/><SP/><String HEIGHT="24" CONTENT="detailed" WIDTH="84" HPOS="609" VPOS="1679" ID="st11-370"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="93" HPOS="702" VPOS="1679" ID="st11-371"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl11-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="like" WIDTH="37" HPOS="196" VPOS="1715" ID="st11-372"/><SP/><String HEIGHT="24" CONTENT="being" WIDTH="60" HPOS="244" VPOS="1715" ID="st11-373"/><SP/><String HEIGHT="24" CONTENT="directed" WIDTH="87" HPOS="315" VPOS="1715" ID="st11-374"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="413" VPOS="1715" ID="st11-375"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="37" HPOS="446" VPOS="1715" ID="st11-376"/><SP/><String HEIGHT="24" CONTENT="fully" WIDTH="45" HPOS="494" VPOS="1715" ID="st11-377"/><SP/><String HEIGHT="24" CONTENT="explain" WIDTH="76" HPOS="550" VPOS="1715" ID="st11-378"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="637" VPOS="1715" ID="st11-379"/><SP/><String HEIGHT="24" CONTENT="company" WIDTH="87" HPOS="683" VPOS="1715" ID="st11-380"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="770" VPOS="1715" ID="st11-381"/><String HEIGHT="24" CONTENT="s" WIDTH="13" HPOS="782" VPOS="1715" ID="st11-382"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl11-38" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Guaranteed" WIDTH="127" HPOS="196" VPOS="1751" ID="st11-383"/><SP/><String HEIGHT="24" CONTENT="Asset" WIDTH="57" HPOS="333" VPOS="1751" ID="st11-384"/><SP/><String HEIGHT="24" CONTENT="Protection" WIDTH="108" HPOS="400" VPOS="1751" ID="st11-385"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="518" VPOS="1751" ID="st11-386"/><String HEIGHT="24" CONTENT="GAP" WIDTH="36" HPOS="530" VPOS="1751" ID="st11-387"/><String HEIGHT="24" CONTENT=")" WIDTH="13" HPOS="566" VPOS="1751" ID="st11-388"/><SP/><String HEIGHT="24" CONTENT="insurance" WIDTH="101" HPOS="590" VPOS="1751" ID="st11-389"/><SP/><String HEIGHT="24" CONTENT="policy" WIDTH="61" HPOS="701" VPOS="1751" ID="st11-390"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="773" VPOS="1751" ID="st11-391"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl11-39" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="customers" WIDTH="109" HPOS="196" VPOS="1788" ID="st11-392"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="311" VPOS="1788" ID="st11-393"/><String HEIGHT="23" CONTENT="a" WIDTH="10" HPOS="321" VPOS="1788" ID="st11-394"/><SP/><String HEIGHT="23" CONTENT="key" WIDTH="36" HPOS="337" VPOS="1788" ID="st11-395"/><SP/><String HEIGHT="23" CONTENT="part" WIDTH="43" HPOS="380" VPOS="1788" ID="st11-396"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="430" VPOS="1788" ID="st11-397"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="48" HPOS="459" VPOS="1788" ID="st11-398"/><SP/><String HEIGHT="23" CONTENT="add" WIDTH="38" HPOS="514" VPOS="1788" ID="st11-399"/><String HEIGHT="23" CONTENT="-" WIDTH="12" HPOS="552" VPOS="1788" ID="st11-400"/><String HEIGHT="23" CONTENT="on" WIDTH="26" HPOS="564" VPOS="1788" ID="st11-401"/><SP/><String HEIGHT="23" CONTENT="product" WIDTH="83" HPOS="597" VPOS="1788" ID="st11-402"/><SP/><String HEIGHT="23" CONTENT="marketing" WIDTH="109" HPOS="686" VPOS="1788" ID="st11-403"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl11-40" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="196" VPOS="1824" ID="st11-404"/><SP/><String HEIGHT="23" CONTENT="would" WIDTH="67" HPOS="248" VPOS="1824" ID="st11-405"/><SP/><String HEIGHT="23" CONTENT="not" WIDTH="36" HPOS="323" VPOS="1824" ID="st11-406"/><SP/><String HEIGHT="23" CONTENT="fully" WIDTH="44" HPOS="368" VPOS="1824" ID="st11-407"/><SP/><String HEIGHT="23" CONTENT="cover" WIDTH="56" HPOS="421" VPOS="1824" ID="st11-408"/><SP/><String HEIGHT="23" CONTENT="potential" WIDTH="94" HPOS="486" VPOS="1824" ID="st11-409"/><SP/><String HEIGHT="23" CONTENT="customer" WIDTH="98" HPOS="589" VPOS="1824" ID="st11-410"/><SP/><String HEIGHT="23" CONTENT="losses" WIDTH="58" HPOS="696" VPOS="1824" ID="st11-411"/><String HEIGHT="23" CONTENT=")" WIDTH="10" HPOS="754" VPOS="1824" ID="st11-412"/><SP/><String HEIGHT="23" CONTENT="as" WIDTH="22" HPOS="773" VPOS="1824" ID="st11-413"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl11-41" WIDTH="477" HEIGHT="24"><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="196" VPOS="1860" ID="st11-414"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="246" VPOS="1860" ID="st11-415"/><SP/><String HEIGHT="24" CONTENT="several" WIDTH="72" HPOS="276" VPOS="1860" ID="st11-416"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="355" VPOS="1860" ID="st11-417"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="384" VPOS="1860" ID="st11-418"/><SP/><String HEIGHT="24" CONTENT="issues" WIDTH="61" HPOS="426" VPOS="1860" ID="st11-419"/><SP/><String HEIGHT="24" CONTENT="described" WIDTH="101" HPOS="494" VPOS="1860" ID="st11-420"/><SP/><String HEIGHT="24" CONTENT="above" WIDTH="59" HPOS="602" VPOS="1860" ID="st11-421"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="661" VPOS="1860" ID="st11-422"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl11-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Again" WIDTH="58" HPOS="196" VPOS="1932" ID="st11-423"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="254" VPOS="1932" ID="st11-424"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="278" VPOS="1932" ID="st11-425"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="358" VPOS="1932" ID="st11-426"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="70" HPOS="381" VPOS="1932" ID="st11-427"/><SP/><String HEIGHT="24" CONTENT="led" WIDTH="32" HPOS="462" VPOS="1932" ID="st11-428"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="505" VPOS="1932" ID="st11-429"/><SP/><String HEIGHT="24" CONTENT="meaningful" WIDTH="121" HPOS="539" VPOS="1932" ID="st11-430"/><SP/><String HEIGHT="24" CONTENT="action" WIDTH="62" HPOS="672" VPOS="1932" ID="st11-431"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="734" VPOS="1932" ID="st11-432"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="756" VPOS="1932" ID="st11-433"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl11-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="CFPB" WIDTH="55" HPOS="196" VPOS="1968" ID="st11-434"/><SP/><String HEIGHT="24" CONTENT="levied" WIDTH="61" HPOS="257" VPOS="1968" ID="st11-435"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="324" VPOS="1968" ID="st11-436"/><SP/><String HEIGHT="24" CONTENT="fine" WIDTH="41" HPOS="342" VPOS="1968" ID="st11-437"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="389" VPOS="1968" ID="st11-438"/><SP/><String HEIGHT="24" CONTENT="10" WIDTH="28" HPOS="417" VPOS="1968" ID="st11-439"/><SP/><String HEIGHT="24" CONTENT="million" WIDTH="71" HPOS="451" VPOS="1968" ID="st11-440"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="528" VPOS="1968" ID="st11-441"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="538" VPOS="1968" ID="st11-442"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="549" VPOS="1968" ID="st11-443"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="560" VPOS="1968" ID="st11-444"/><SP/><String HEIGHT="24" CONTENT="dollars" WIDTH="69" HPOS="577" VPOS="1968" ID="st11-445"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="652" VPOS="1968" ID="st11-446"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="109" HPOS="686" VPOS="1968" ID="st11-447"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl11-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="196" VPOS="2004" ID="st11-448"/><SP/><String HEIGHT="24" CONTENT="deceptively" WIDTH="118" HPOS="235" VPOS="2004" ID="st11-449"/><SP/><String HEIGHT="24" CONTENT="marketing" WIDTH="108" HPOS="362" VPOS="2004" ID="st11-450"/><SP/><String HEIGHT="24" CONTENT="so" WIDTH="20" HPOS="479" VPOS="2004" ID="st11-451"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="499" VPOS="2004" ID="st11-452"/><String HEIGHT="24" CONTENT="called" WIDTH="62" HPOS="510" VPOS="2004" ID="st11-453"/><SP/><String HEIGHT="24" CONTENT="overdraft" WIDTH="97" HPOS="580" VPOS="2004" ID="st11-454"/><SP/><String HEIGHT="24" CONTENT="protection" WIDTH="109" HPOS="686" VPOS="2004" ID="st11-455"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl11-45" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="2040" ID="st11-456"/><SP/><String HEIGHT="24" CONTENT="signing" WIDTH="76" HPOS="245" VPOS="2040" ID="st11-457"/><SP/><String HEIGHT="24" CONTENT="up" WIDTH="28" HPOS="329" VPOS="2040" ID="st11-458"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="109" HPOS="365" VPOS="2040" ID="st11-459"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="482" VPOS="2040" ID="st11-460"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="521" VPOS="2040" ID="st11-461"/><SP/><String HEIGHT="24" CONTENT="product" WIDTH="82" HPOS="564" VPOS="2040" ID="st11-462"/><SP/><String HEIGHT="24" CONTENT="without" WIDTH="83" HPOS="655" VPOS="2040" ID="st11-463"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="746" VPOS="2040" ID="st11-464"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl11-46" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="consent" WIDTH="83" HPOS="858" VPOS="307" ID="st11-465"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="952" VPOS="307" ID="st11-466"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="50" HPOS="982" VPOS="307" ID="st11-467"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="1032" VPOS="307" ID="st11-468"/><SP/><String HEIGHT="24" CONTENT="Members" WIDTH="100" HPOS="1056" VPOS="307" ID="st11-469"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1166" VPOS="307" ID="st11-470"/><SP/><String HEIGHT="24" CONTENT="Congress" WIDTH="98" HPOS="1200" VPOS="307" ID="st11-471"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="41" HPOS="1309" VPOS="307" ID="st11-472"/><SP/><String HEIGHT="24" CONTENT="wrote" WIDTH="62" HPOS="1361" VPOS="307" ID="st11-473"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1434" VPOS="307" ID="st11-474"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl11-47" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Santander" WIDTH="109" HPOS="858" VPOS="343" ID="st11-475"/><SP/><String HEIGHT="24" CONTENT="about" WIDTH="63" HPOS="978" VPOS="343" ID="st11-476"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1053" VPOS="343" ID="st11-477"/><SP/><String HEIGHT="24" CONTENT="potentially" WIDTH="112" HPOS="1099" VPOS="343" ID="st11-478"/><SP/><String HEIGHT="24" CONTENT="discriminatory" WIDTH="149" HPOS="1223" VPOS="343" ID="st11-479"/><SP/><String HEIGHT="24" CONTENT="impact" WIDTH="72" HPOS="1384" VPOS="343" ID="st11-480"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl11-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="379" ID="st11-481"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="890" VPOS="379" ID="st11-482"/><String HEIGHT="24" CONTENT="CallMiner" WIDTH="101" HPOS="901" VPOS="379" ID="st11-483"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1002" VPOS="379" ID="st11-484"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="1013" VPOS="379" ID="st11-485"/><SP/><String HEIGHT="24" CONTENT="A" WIDTH="16" HPOS="1035" VPOS="379" ID="st11-486"/><SP/><String HEIGHT="24" CONTENT="few" WIDTH="40" HPOS="1061" VPOS="379" ID="st11-487"/><SP/><String HEIGHT="24" CONTENT="months" WIDTH="81" HPOS="1111" VPOS="379" ID="st11-488"/><SP/><String HEIGHT="24" CONTENT="later" WIDTH="47" HPOS="1201" VPOS="379" ID="st11-489"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="108" HPOS="1258" VPOS="379" ID="st11-490"/><SP/><String HEIGHT="24" CONTENT="restruc" WIDTH="70" HPOS="1376" VPOS="379" ID="st11-491" SUBS_TYPE="HypPart1" SUBS_CONTENT="restructured"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="379" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl11-49" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tured" WIDTH="56" HPOS="858" VPOS="415" ID="st11-492" SUBS_TYPE="HypPart2" SUBS_CONTENT="restructured"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="924" VPOS="415" ID="st11-493"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="957" VPOS="415" ID="st11-494"/><SP/><String HEIGHT="24" CONTENT="monitoring" WIDTH="118" HPOS="1103" VPOS="415" ID="st11-495"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1230" VPOS="415" ID="st11-496"/><SP/><String HEIGHT="24" CONTENT="incentive" WIDTH="94" HPOS="1280" VPOS="415" ID="st11-497"/><SP/><String HEIGHT="24" CONTENT="system" WIDTH="72" HPOS="1384" VPOS="415" ID="st11-498"/></TextLine><TextLine HPOS="858" VPOS="451" ID="tl11-50" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="451" ID="st11-499"/><SP/><String HEIGHT="24" CONTENT="eliminated" WIDTH="111" HPOS="908" VPOS="451" ID="st11-500"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1029" VPOS="451" ID="st11-501"/><SP/><String HEIGHT="24" CONTENT="use" WIDTH="36" HPOS="1073" VPOS="451" ID="st11-502"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1119" VPOS="451" ID="st11-503"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="1151" VPOS="451" ID="st11-504"/><String HEIGHT="24" CONTENT="CallMiner" WIDTH="107" HPOS="1162" VPOS="451" ID="st11-505"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="1269" VPOS="451" ID="st11-506"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1291" VPOS="451" ID="st11-507"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="1320" VPOS="451" ID="st11-508"/></TextLine><TextLine HPOS="858" VPOS="488" ID="tl11-51" WIDTH="346" HEIGHT="23"><String HEIGHT="23" CONTENT="measurements" WIDTH="155" HPOS="858" VPOS="488" ID="st11-509"/><String HEIGHT="23" CONTENT="(" WIDTH="12" HPOS="1020" VPOS="488" ID="st11-510"/><String HEIGHT="23" CONTENT="Hoffman" WIDTH="84" HPOS="1032" VPOS="488" ID="st11-511"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1116" VPOS="488" ID="st11-512"/><SP/><String HEIGHT="23" CONTENT="2017" WIDTH="46" HPOS="1135" VPOS="488" ID="st11-513"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="1181" VPOS="488" ID="st11-514"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1192" VPOS="488" ID="st11-515"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl11-52" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="At" WIDTH="25" HPOS="858" VPOS="560" ID="st11-516"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="101" HPOS="888" VPOS="560" ID="st11-517"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="989" VPOS="560" ID="st11-518"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1007" VPOS="560" ID="st11-519"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1035" VPOS="560" ID="st11-520"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1060" VPOS="560" ID="st11-521"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="56" HPOS="1100" VPOS="560" ID="st11-522"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="1162" VPOS="560" ID="st11-523"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="42" HPOS="1227" VPOS="560" ID="st11-524"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1269" VPOS="560" ID="st11-525"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1285" VPOS="560" ID="st11-526"/><SP/><String HEIGHT="24" CONTENT="worked" WIDTH="80" HPOS="1376" VPOS="560" ID="st11-527"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl11-53" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="together" WIDTH="91" HPOS="858" VPOS="596" ID="st11-528"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="958" VPOS="596" ID="st11-529"/><SP/><String HEIGHT="24" CONTENT="raise" WIDTH="48" HPOS="988" VPOS="596" ID="st11-530"/><SP/><String HEIGHT="24" CONTENT="concerns" WIDTH="95" HPOS="1044" VPOS="596" ID="st11-531"/><SP/><String HEIGHT="24" CONTENT="about" WIDTH="63" HPOS="1147" VPOS="596" ID="st11-532"/><SP/><String HEIGHT="24" CONTENT="risky" WIDTH="47" HPOS="1218" VPOS="596" ID="st11-533"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="93" HPOS="1273" VPOS="596" ID="st11-534"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1374" VPOS="596" ID="st11-535"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="1408" VPOS="596" ID="st11-536"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl11-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="employer" WIDTH="91" HPOS="858" VPOS="632" ID="st11-537"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="949" VPOS="632" ID="st11-538"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="971" VPOS="632" ID="st11-539"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="1000" VPOS="632" ID="st11-540"/><SP/><String HEIGHT="24" CONTENT="cases" WIDTH="51" HPOS="1060" VPOS="632" ID="st11-541"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1111" VPOS="632" ID="st11-542"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1132" VPOS="632" ID="st11-543"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="93" HPOS="1176" VPOS="632" ID="st11-544"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="1279" VPOS="632" ID="st11-545"/><SP/><String HEIGHT="24" CONTENT="harmful" WIDTH="83" HPOS="1341" VPOS="632" ID="st11-546"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1434" VPOS="632" ID="st11-547"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl11-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="multiple" WIDTH="86" HPOS="858" VPOS="668" ID="st11-548"/><SP/><String HEIGHT="24" CONTENT="stakeholders" WIDTH="129" HPOS="953" VPOS="668" ID="st11-549"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1082" VPOS="668" ID="st11-550"/><SP/><String HEIGHT="24" CONTENT="including" WIDTH="98" HPOS="1102" VPOS="668" ID="st11-551"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1209" VPOS="668" ID="st11-552"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="40" HPOS="1252" VPOS="668" ID="st11-553"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1292" VPOS="668" ID="st11-554"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1311" VPOS="668" ID="st11-555"/><SP/><String HEIGHT="24" CONTENT="sharehold" WIDTH="101" HPOS="1344" VPOS="668" ID="st11-556" SUBS_TYPE="HypPart1" SUBS_CONTENT="shareholders"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="668" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl11-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ers" WIDTH="27" HPOS="858" VPOS="704" ID="st11-557" SUBS_TYPE="HypPart2" SUBS_CONTENT="shareholders"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="885" VPOS="704" ID="st11-558"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="903" VPOS="704" ID="st11-559"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="951" VPOS="704" ID="st11-560"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="103" HPOS="982" VPOS="704" ID="st11-561"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1085" VPOS="704" ID="st11-562"/><SP/><String HEIGHT="24" CONTENT="Workers" WIDTH="88" HPOS="1105" VPOS="704" ID="st11-563"/><SP/><String HEIGHT="24" CONTENT="provided" WIDTH="92" HPOS="1201" VPOS="704" ID="st11-564"/><SP/><String HEIGHT="24" CONTENT="early" WIDTH="50" HPOS="1301" VPOS="704" ID="st11-565"/><SP/><String HEIGHT="24" CONTENT="warnings" WIDTH="98" HPOS="1358" VPOS="704" ID="st11-566"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl11-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="about" WIDTH="62" HPOS="858" VPOS="740" ID="st11-567"/><SP/><String HEIGHT="24" CONTENT="problems" WIDTH="98" HPOS="932" VPOS="740" ID="st11-568"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1041" VPOS="740" ID="st11-569"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="1095" VPOS="740" ID="st11-570"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="36" HPOS="1159" VPOS="740" ID="st11-571"/><SP/><String HEIGHT="24" CONTENT="previously" WIDTH="106" HPOS="1206" VPOS="740" ID="st11-572"/><SP/><String HEIGHT="24" CONTENT="identified" WIDTH="100" HPOS="1323" VPOS="740" ID="st11-573"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1434" VPOS="740" ID="st11-574"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl11-58" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="addressed" WIDTH="106" HPOS="858" VPOS="776" ID="st11-575"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="975" VPOS="776" ID="st11-576"/><SP/><String HEIGHT="24" CONTENT="internal" WIDTH="81" HPOS="1011" VPOS="776" ID="st11-577"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1103" VPOS="776" ID="st11-578"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="1150" VPOS="776" ID="st11-579"/><SP/><String HEIGHT="24" CONTENT="controls" WIDTH="84" HPOS="1303" VPOS="776" ID="st11-580"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1398" VPOS="776" ID="st11-581"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1431" VPOS="776" ID="st11-582"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl11-59" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="external" WIDTH="85" HPOS="858" VPOS="813" ID="st11-583"/><SP/><String HEIGHT="23" CONTENT="regulators" WIDTH="103" HPOS="950" VPOS="813" ID="st11-584"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1053" VPOS="813" ID="st11-585"/><SP/><String HEIGHT="23" CONTENT="organically" WIDTH="114" HPOS="1071" VPOS="813" ID="st11-586"/><SP/><String HEIGHT="23" CONTENT="forming" WIDTH="84" HPOS="1192" VPOS="813" ID="st11-587"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="1284" VPOS="813" ID="st11-588"/><SP/><String HEIGHT="23" CONTENT="type" WIDTH="46" HPOS="1303" VPOS="813" ID="st11-589"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="1356" VPOS="813" ID="st11-590"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="1386" VPOS="813" ID="st11-591"/><String HEIGHT="23" CONTENT="regu" WIDTH="48" HPOS="1397" VPOS="813" ID="st11-592" SUBS_TYPE="HypPart1" SUBS_CONTENT="regulation"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="813" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl11-60" WIDTH="209" HEIGHT="23"><String HEIGHT="23" CONTENT="lation" WIDTH="59" HPOS="858" VPOS="849" ID="st11-593" SUBS_TYPE="HypPart2" SUBS_CONTENT="regulation"/><SP/><String HEIGHT="23" CONTENT="from" WIDTH="51" HPOS="924" VPOS="849" ID="st11-594"/><SP/><String HEIGHT="23" CONTENT="below" WIDTH="60" HPOS="982" VPOS="849" ID="st11-595"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1042" VPOS="849" ID="st11-596"/><String HEIGHT="23" CONTENT="«" WIDTH="13" HPOS="1054" VPOS="849" ID="st11-597"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl11-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="858" VPOS="921" ID="st11-598"/><SP/><String HEIGHT="24" CONTENT="two" WIDTH="42" HPOS="926" VPOS="921" ID="st11-599"/><SP/><String HEIGHT="24" CONTENT="cases" WIDTH="56" HPOS="975" VPOS="921" ID="st11-600"/><SP/><String HEIGHT="24" CONTENT="show" WIDTH="57" HPOS="1038" VPOS="921" ID="st11-601"/><SP/><String HEIGHT="24" CONTENT="how" WIDTH="48" HPOS="1102" VPOS="921" ID="st11-602"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1157" VPOS="921" ID="st11-603"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1184" VPOS="921" ID="st11-604"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1226" VPOS="921" ID="st11-605"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1236" VPOS="921" ID="st11-606"/><String HEIGHT="24" CONTENT="S" WIDTH="10" HPOS="1246" VPOS="921" ID="st11-607"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1256" VPOS="921" ID="st11-608"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1266" VPOS="921" ID="st11-609"/><SP/><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="1283" VPOS="921" ID="st11-610"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1340" VPOS="921" ID="st11-611"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1367" VPOS="921" ID="st11-612"/><SP/><String HEIGHT="24" CONTENT="con" WIDTH="36" HPOS="1409" VPOS="921" ID="st11-613" SUBS_TYPE="HypPart1" SUBS_CONTENT="context"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="921" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl11-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="text" WIDTH="40" HPOS="858" VPOS="957" ID="st11-614" SUBS_TYPE="HypPart2" SUBS_CONTENT="context"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="906" VPOS="957" ID="st11-615"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="936" VPOS="957" ID="st11-616"/><SP/><String HEIGHT="24" CONTENT="being" WIDTH="60" HPOS="1029" VPOS="957" ID="st11-617"/><SP/><String HEIGHT="24" CONTENT="particularly" WIDTH="117" HPOS="1097" VPOS="957" ID="st11-618"/><SP/><String HEIGHT="24" CONTENT="vulnerable" WIDTH="106" HPOS="1222" VPOS="957" ID="st11-619"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1328" VPOS="957" ID="st11-620"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1347" VPOS="957" ID="st11-621"/><SP/><String HEIGHT="24" CONTENT="model" WIDTH="66" HPOS="1390" VPOS="957" ID="st11-622"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl11-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="993" ID="st11-623"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="885" VPOS="993" ID="st11-624"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="896" VPOS="993" ID="st11-625"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1012" VPOS="993" ID="st11-626"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="65" HPOS="1068" VPOS="993" ID="st11-627"/><String HEIGHT="24" CONTENT="«" WIDTH="14" HPOS="1133" VPOS="993" ID="st11-628"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1153" VPOS="993" ID="st11-629"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="40" HPOS="1194" VPOS="993" ID="st11-630"/><SP/><String HEIGHT="24" CONTENT="real" WIDTH="38" HPOS="1240" VPOS="993" ID="st11-631"/><SP/><String HEIGHT="24" CONTENT="successes" WIDTH="96" HPOS="1283" VPOS="993" ID="st11-632"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1379" VPOS="993" ID="st11-633"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="1395" VPOS="993" ID="st11-634"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl11-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="successes" WIDTH="100" HPOS="858" VPOS="1029" ID="st11-635"/><SP/><String HEIGHT="24" CONTENT="suggest" WIDTH="82" HPOS="966" VPOS="1029" ID="st11-636"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1056" VPOS="1029" ID="st11-637"/><SP/><String HEIGHT="24" CONTENT="if" WIDTH="14" HPOS="1106" VPOS="1029" ID="st11-638"/><SP/><String HEIGHT="24" CONTENT="supported" WIDTH="109" HPOS="1128" VPOS="1029" ID="st11-639"/><SP/><String HEIGHT="24" CONTENT="properly" WIDTH="80" HPOS="1245" VPOS="1029" ID="st11-640"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1325" VPOS="1029" ID="st11-641"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="1344" VPOS="1029" ID="st11-642"/><SP/><String HEIGHT="24" CONTENT="model" WIDTH="66" HPOS="1390" VPOS="1029" ID="st11-643"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl11-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="858" VPOS="1065" ID="st11-644"/><SP/><String HEIGHT="24" CONTENT="contribute" WIDTH="110" HPOS="923" VPOS="1065" ID="st11-645"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1040" VPOS="1065" ID="st11-646"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1070" VPOS="1065" ID="st11-647"/><SP/><String HEIGHT="24" CONTENT="structural" WIDTH="100" HPOS="1090" VPOS="1065" ID="st11-648"/><SP/><String HEIGHT="24" CONTENT="solution" WIDTH="85" HPOS="1197" VPOS="1065" ID="st11-649"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1289" VPOS="1065" ID="st11-650"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="37" HPOS="1318" VPOS="1065" ID="st11-651"/><SP/><String HEIGHT="24" CONTENT="manage" WIDTH="81" HPOS="1362" VPOS="1065" ID="st11-652" SUBS_TYPE="HypPart1" SUBS_CONTENT="management"/><HYP CONTENT="-" WIDTH="13" HPOS="1443" VPOS="1065" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl11-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ment" WIDTH="55" HPOS="858" VPOS="1101" ID="st11-653" SUBS_TYPE="HypPart2" SUBS_CONTENT="management"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="924" VPOS="1101" ID="st11-654"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="953" VPOS="1101" ID="st11-655"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="998" VPOS="1101" ID="st11-656"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1008" VPOS="1101" ID="st11-657"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1019" VPOS="1101" ID="st11-658"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1030" VPOS="1101" ID="st11-659"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1052" VPOS="1101" ID="st11-660"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="58" HPOS="1151" VPOS="1101" ID="st11-661"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1209" VPOS="1101" ID="st11-662"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1230" VPOS="1101" ID="st11-663"/><SP/><String HEIGHT="24" CONTENT="next" WIDTH="46" HPOS="1279" VPOS="1101" ID="st11-664"/><SP/><String HEIGHT="24" CONTENT="section" WIDTH="75" HPOS="1335" VPOS="1101" ID="st11-665"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="1420" VPOS="1101" ID="st11-666"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl11-67" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="consider" WIDTH="89" HPOS="858" VPOS="1138" ID="st11-667"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="952" VPOS="1138" ID="st11-668"/><SP/><String HEIGHT="23" CONTENT="potential" WIDTH="95" HPOS="992" VPOS="1138" ID="st11-669"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="1092" VPOS="1138" ID="st11-670"/><SP/><String HEIGHT="23" CONTENT="requirements" WIDTH="139" HPOS="1138" VPOS="1138" ID="st11-671"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1283" VPOS="1138" ID="st11-672"/><SP/><String HEIGHT="23" CONTENT="such" WIDTH="48" HPOS="1311" VPOS="1138" ID="st11-673"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="1365" VPOS="1138" ID="st11-674"/><SP/><String HEIGHT="23" CONTENT="model" WIDTH="60" HPOS="1383" VPOS="1138" ID="st11-675"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="1443" VPOS="1138" ID="st11-676"/></TextLine><TextLine HPOS="858" VPOS="1238" ID="tl11-68" WIDTH="545" HEIGHT="34"><String HEIGHT="34" CONTENT="Section" WIDTH="112" HPOS="858" VPOS="1238" ID="st11-677"/><SP/><String HEIGHT="34" CONTENT="3" WIDTH="15" HPOS="980" VPOS="1238" ID="st11-678"/><String HEIGHT="34" CONTENT=":" WIDTH="15" HPOS="995" VPOS="1238" ID="st11-679"/><SP/><String HEIGHT="34" CONTENT="Organized" WIDTH="159" HPOS="1020" VPOS="1238" ID="st11-680"/><SP/><String HEIGHT="34" CONTENT="Bank" WIDTH="76" HPOS="1189" VPOS="1238" ID="st11-681"/><SP/><String HEIGHT="34" CONTENT="Workers" WIDTH="128" HPOS="1275" VPOS="1238" ID="st11-682"/></TextLine><TextLine HPOS="858" VPOS="1274" ID="tl11-69" WIDTH="196" HEIGHT="35"><String HEIGHT="35" CONTENT="as" WIDTH="32" HPOS="858" VPOS="1274" ID="st11-683"/><SP/><String HEIGHT="35" CONTENT="a" WIDTH="18" HPOS="900" VPOS="1274" ID="st11-684"/><SP/><String HEIGHT="35" CONTENT="Solution" WIDTH="126" HPOS="928" VPOS="1274" ID="st11-685"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl11-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="858" VPOS="1354" ID="st11-686"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="920" VPOS="1354" ID="st11-687"/><SP/><String HEIGHT="24" CONTENT="bring" WIDTH="55" HPOS="1014" VPOS="1354" ID="st11-688"/><SP/><String HEIGHT="24" CONTENT="important" WIDTH="105" HPOS="1079" VPOS="1354" ID="st11-689"/><SP/><String HEIGHT="24" CONTENT="experience" WIDTH="114" HPOS="1193" VPOS="1354" ID="st11-690"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1316" VPOS="1354" ID="st11-691"/><SP/><String HEIGHT="24" CONTENT="perspec" WIDTH="79" HPOS="1366" VPOS="1354" ID="st11-692" SUBS_TYPE="HypPart1" SUBS_CONTENT="perspective"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="1354" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl11-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tive" WIDTH="37" HPOS="858" VPOS="1390" ID="st11-693" SUBS_TYPE="HypPart2" SUBS_CONTENT="perspective"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="905" VPOS="1390" ID="st11-694"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="937" VPOS="1390" ID="st11-695"/><SP/><String HEIGHT="24" CONTENT="challenge" WIDTH="101" HPOS="981" VPOS="1390" ID="st11-696"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1092" VPOS="1390" ID="st11-697"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1124" VPOS="1390" ID="st11-698"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="1169" VPOS="1390" ID="st11-699"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1320" VPOS="1390" ID="st11-700"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1349" VPOS="1390" ID="st11-701"/><SP/><String HEIGHT="24" CONTENT="finan" WIDTH="52" HPOS="1394" VPOS="1390" ID="st11-702" SUBS_TYPE="HypPart1" SUBS_CONTENT="financial"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1390" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl11-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="cial" WIDTH="35" HPOS="858" VPOS="1426" ID="st11-703" SUBS_TYPE="HypPart2" SUBS_CONTENT="financial"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="59" HPOS="904" VPOS="1426" ID="st11-704"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="963" VPOS="1426" ID="st11-705"/><SP/><String HEIGHT="24" CONTENT="However" WIDTH="86" HPOS="985" VPOS="1426" ID="st11-706"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1071" VPOS="1426" ID="st11-707"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1096" VPOS="1426" ID="st11-708"/><SP/><String HEIGHT="24" CONTENT="engage" WIDTH="80" HPOS="1130" VPOS="1426" ID="st11-709"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1221" VPOS="1426" ID="st11-710"/><SP/><String HEIGHT="24" CONTENT="effectively" WIDTH="107" HPOS="1318" VPOS="1426" ID="st11-711"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="1426" ID="st11-712"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl11-73" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="858" VPOS="1463" ID="st11-713"/><String HEIGHT="23" CONTENT="regulation" WIDTH="111" HPOS="869" VPOS="1463" ID="st11-714"/><SP/><String HEIGHT="23" CONTENT="from" WIDTH="51" HPOS="986" VPOS="1463" ID="st11-715"/><SP/><String HEIGHT="23" CONTENT="below," WIDTH="72" HPOS="1043" VPOS="1463" ID="st11-716"/><String HEIGHT="23" CONTENT="«" WIDTH="13" HPOS="1115" VPOS="1463" ID="st11-717"/><SP/><String HEIGHT="23" CONTENT="stability" WIDTH="81" HPOS="1134" VPOS="1463" ID="st11-718"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1221" VPOS="1463" ID="st11-719"/><SP/><String HEIGHT="23" CONTENT="structural" WIDTH="100" HPOS="1268" VPOS="1463" ID="st11-720"/><SP/><String HEIGHT="23" CONTENT="support" WIDTH="82" HPOS="1374" VPOS="1463" ID="st11-721"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl11-74" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="858" VPOS="1499" ID="st11-722"/><SP/><String HEIGHT="23" CONTENT="required" WIDTH="84" HPOS="901" VPOS="1499" ID="st11-723"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="985" VPOS="1499" ID="st11-724"/><SP/><String HEIGHT="23" CONTENT="This" WIDTH="42" HPOS="1006" VPOS="1499" ID="st11-725"/><SP/><String HEIGHT="23" CONTENT="section" WIDTH="75" HPOS="1058" VPOS="1499" ID="st11-726"/><SP/><String HEIGHT="23" CONTENT="proposes" WIDTH="95" HPOS="1143" VPOS="1499" ID="st11-727"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1248" VPOS="1499" ID="st11-728"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="52" HPOS="1302" VPOS="1499" ID="st11-729"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="79" HPOS="1365" VPOS="1499" ID="st11-730"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="1444" VPOS="1499" ID="st11-731"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl11-75" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="858" VPOS="1535" ID="st11-732"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="940" VPOS="1535" ID="st11-733"/><SP/><String HEIGHT="24" CONTENT="provide" WIDTH="79" HPOS="988" VPOS="1535" ID="st11-734"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1078" VPOS="1535" ID="st11-735"/><SP/><String HEIGHT="24" CONTENT="structure" WIDTH="94" HPOS="1124" VPOS="1535" ID="st11-736"/><SP/><String HEIGHT="24" CONTENT="necessary" WIDTH="101" HPOS="1230" VPOS="1535" ID="st11-737"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1342" VPOS="1535" ID="st11-738"/><SP/><String HEIGHT="24" CONTENT="such" WIDTH="48" HPOS="1384" VPOS="1535" ID="st11-739"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1444" VPOS="1535" ID="st11-740"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl11-76" WIDTH="194" HEIGHT="24"><String HEIGHT="24" CONTENT="model" WIDTH="66" HPOS="858" VPOS="1571" ID="st11-741"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="931" VPOS="1571" ID="st11-742"/><SP/><String HEIGHT="24" CONTENT="succeed" WIDTH="79" HPOS="961" VPOS="1571" ID="st11-743"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1040" VPOS="1571" ID="st11-744"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl11-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="As" WIDTH="26" HPOS="858" VPOS="1643" ID="st11-745"/><SP/><String HEIGHT="24" CONTENT="discussed" WIDTH="100" HPOS="894" VPOS="1643" ID="st11-746"/><SP/><String HEIGHT="24" CONTENT="above" WIDTH="59" HPOS="1004" VPOS="1643" ID="st11-747"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1063" VPOS="1643" ID="st11-748"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1085" VPOS="1643" ID="st11-749"/><SP/><String HEIGHT="24" CONTENT="rise" WIDTH="36" HPOS="1130" VPOS="1643" ID="st11-750"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1176" VPOS="1643" ID="st11-751"/><SP/><String HEIGHT="24" CONTENT="financialization" WIDTH="160" HPOS="1208" VPOS="1643" ID="st11-752"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1378" VPOS="1643" ID="st11-753"/><SP/><String HEIGHT="24" CONTENT="led" WIDTH="32" HPOS="1424" VPOS="1643" ID="st11-754"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl11-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="858" VPOS="1679" ID="st11-755"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="892" VPOS="1679" ID="st11-756"/><SP/><String HEIGHT="24" CONTENT="weakening" WIDTH="117" HPOS="916" VPOS="1679" ID="st11-757"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1044" VPOS="1679" ID="st11-758"/><SP/><String HEIGHT="24" CONTENT="external" WIDTH="86" HPOS="1078" VPOS="1679" ID="st11-759"/><SP/><String HEIGHT="24" CONTENT="controls" WIDTH="85" HPOS="1175" VPOS="1679" ID="st11-760"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1272" VPOS="1679" ID="st11-761"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1324" VPOS="1679" ID="st11-762"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="77" HPOS="1348" VPOS="1679" ID="st11-763"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="1679" ID="st11-764"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl11-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="risk" WIDTH="40" HPOS="858" VPOS="1715" ID="st11-765"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="898" VPOS="1715" ID="st11-766"/><String HEIGHT="24" CONTENT="taking" WIDTH="62" HPOS="908" VPOS="1715" ID="st11-767"/><SP/><String HEIGHT="24" CONTENT="behavior" WIDTH="86" HPOS="982" VPOS="1715" ID="st11-768"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1068" VPOS="1715" ID="st11-769"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="41" HPOS="1092" VPOS="1715" ID="st11-770"/><SP/><String HEIGHT="24" CONTENT="results" WIDTH="68" HPOS="1146" VPOS="1715" ID="st11-771"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1226" VPOS="1715" ID="st11-772"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="41" HPOS="1258" VPOS="1715" ID="st11-773"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="1299" VPOS="1715" ID="st11-774"/><String HEIGHT="24" CONTENT="risk" WIDTH="42" HPOS="1309" VPOS="1715" ID="st11-775"/><SP/><String HEIGHT="24" CONTENT="products" WIDTH="93" HPOS="1363" VPOS="1715" ID="st11-776"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl11-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="designed" WIDTH="96" HPOS="858" VPOS="1751" ID="st11-777"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="965" VPOS="1751" ID="st11-778"/><SP/><String HEIGHT="24" CONTENT="increase" WIDTH="85" HPOS="999" VPOS="1751" ID="st11-779"/><SP/><String HEIGHT="24" CONTENT="yield" WIDTH="48" HPOS="1096" VPOS="1751" ID="st11-780"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1156" VPOS="1751" ID="st11-781"/><SP/><String HEIGHT="24" CONTENT="aggressive" WIDTH="110" HPOS="1207" VPOS="1751" ID="st11-782"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="1328" VPOS="1751" ID="st11-783"/><SP/><String HEIGHT="24" CONTENT="tactics" WIDTH="67" HPOS="1389" VPOS="1751" ID="st11-784"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl11-81" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="designed" WIDTH="96" HPOS="858" VPOS="1788" ID="st11-785"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="964" VPOS="1788" ID="st11-786"/><SP/><String HEIGHT="23" CONTENT="increase" WIDTH="85" HPOS="996" VPOS="1788" ID="st11-787"/><SP/><String HEIGHT="23" CONTENT="market" WIDTH="75" HPOS="1091" VPOS="1788" ID="st11-788"/><SP/><String HEIGHT="23" CONTENT="share" WIDTH="52" HPOS="1176" VPOS="1788" ID="st11-789"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1228" VPOS="1788" ID="st11-790"/><SP/><String HEIGHT="23" CONTENT="Workers" WIDTH="89" HPOS="1249" VPOS="1788" ID="st11-791"/><SP/><String HEIGHT="23" CONTENT="often" WIDTH="57" HPOS="1348" VPOS="1788" ID="st11-792"/><SP/><String HEIGHT="23" CONTENT="find" WIDTH="41" HPOS="1415" VPOS="1788" ID="st11-793"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl11-82" WIDTH="538" HEIGHT="23"><String HEIGHT="23" CONTENT="themselves" WIDTH="116" HPOS="858" VPOS="1824" ID="st11-794"/><SP/><String HEIGHT="23" CONTENT="at" WIDTH="21" HPOS="981" VPOS="1824" ID="st11-795"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1009" VPOS="1824" ID="st11-796"/><SP/><String HEIGHT="23" CONTENT="intersection" WIDTH="123" HPOS="1051" VPOS="1824" ID="st11-797"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="1181" VPOS="1824" ID="st11-798"/><SP/><String HEIGHT="23" CONTENT="these" WIDTH="56" HPOS="1211" VPOS="1824" ID="st11-799"/><SP/><String HEIGHT="23" CONTENT="two" WIDTH="42" HPOS="1274" VPOS="1824" ID="st11-800"/><SP/><String HEIGHT="23" CONTENT="trends" WIDTH="62" HPOS="1323" VPOS="1824" ID="st11-801"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1385" VPOS="1824" ID="st11-802"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl11-83" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Unions" WIDTH="74" HPOS="858" VPOS="1896" ID="st11-803"/><SP/><String HEIGHT="24" CONTENT="bargain" WIDTH="80" HPOS="943" VPOS="1896" ID="st11-804"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="1035" VPOS="1896" ID="st11-805"/><SP/><String HEIGHT="24" CONTENT="issues" WIDTH="61" HPOS="1092" VPOS="1896" ID="st11-806"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1164" VPOS="1896" ID="st11-807"/><SP/><String HEIGHT="24" CONTENT="affect" WIDTH="61" HPOS="1218" VPOS="1896" ID="st11-808"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1290" VPOS="1896" ID="st11-809"/><SP/><String HEIGHT="24" CONTENT="members" WIDTH="92" HPOS="1350" VPOS="1896" ID="st11-810"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="1442" VPOS="1896" ID="st11-811"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl11-84" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="like" WIDTH="36" HPOS="858" VPOS="1932" ID="st11-812"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="904" VPOS="1932" ID="st11-813"/><SP/><String HEIGHT="24" CONTENT="workplace" WIDTH="110" HPOS="948" VPOS="1932" ID="st11-814"/><SP/><String HEIGHT="24" CONTENT="conditions" WIDTH="109" HPOS="1068" VPOS="1932" ID="st11-815"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1187" VPOS="1932" ID="st11-816"/><SP/><String HEIGHT="24" CONTENT="aggressive" WIDTH="109" HPOS="1237" VPOS="1932" ID="st11-817"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="1356" VPOS="1932" ID="st11-818"/><SP/><String HEIGHT="24" CONTENT="tac" WIDTH="30" HPOS="1416" VPOS="1932" ID="st11-819" SUBS_TYPE="HypPart1" SUBS_CONTENT="tactics"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1932" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl11-85" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tics" WIDTH="34" HPOS="858" VPOS="1968" ID="st11-820" SUBS_TYPE="HypPart2" SUBS_CONTENT="tactics"/><SP/><String HEIGHT="24" CONTENT="described" WIDTH="102" HPOS="903" VPOS="1968" ID="st11-821"/><SP/><String HEIGHT="24" CONTENT="above" WIDTH="59" HPOS="1015" VPOS="1968" ID="st11-822"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1074" VPOS="1968" ID="st11-823"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1097" VPOS="1968" ID="st11-824"/><SP/><String HEIGHT="24" CONTENT="addition" WIDTH="88" HPOS="1127" VPOS="1968" ID="st11-825"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1225" VPOS="1968" ID="st11-826"/><SP/><String HEIGHT="24" CONTENT="adequate" WIDTH="100" HPOS="1258" VPOS="1968" ID="st11-827"/><SP/><String HEIGHT="24" CONTENT="staffing" WIDTH="77" HPOS="1369" VPOS="1968" ID="st11-828"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1446" VPOS="1968" ID="st11-829"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl11-86" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="employment" WIDTH="134" HPOS="858" VPOS="2004" ID="st11-830"/><SP/><String HEIGHT="24" CONTENT="inclusivity" WIDTH="98" HPOS="1005" VPOS="2004" ID="st11-831"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1103" VPOS="2004" ID="st11-832"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1125" VPOS="2004" ID="st11-833"/><SP/><String HEIGHT="24" CONTENT="establishment" WIDTH="148" HPOS="1173" VPOS="2004" ID="st11-834"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1334" VPOS="2004" ID="st11-835"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1369" VPOS="2004" ID="st11-836"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="51" HPOS="1395" VPOS="2004" ID="st11-837" SUBS_TYPE="HypPart1" SUBS_CONTENT="labormanagement"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="2004" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="2040" ID="tl11-87" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="management" WIDTH="143" HPOS="858" VPOS="2040" ID="st11-838" SUBS_TYPE="HypPart2" SUBS_CONTENT="labormanagement"/><SP/><String HEIGHT="24" CONTENT="committees" WIDTH="120" HPOS="1017" VPOS="2040" ID="st11-839"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1137" VPOS="2040" ID="st11-840"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1166" VPOS="2040" ID="st11-841"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1223" VPOS="2040" ID="st11-842"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="56" HPOS="1274" VPOS="2040" ID="st11-843"/><SP/><String HEIGHT="24" CONTENT="traditional" WIDTH="110" HPOS="1346" VPOS="2040" ID="st11-844"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl11-88" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="10" WIDTH="32" HPOS="810" VPOS="2254" ID="st11-845"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="12" ID="p840451" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840451" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840451" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl12-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st12-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st12-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st12-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st12-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st12-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st12-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st12-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st12-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st12-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st12-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st12-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st12-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st12-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st12-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st12-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st12-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st12-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st12-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st12-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl12-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="issues" WIDTH="61" HPOS="196" VPOS="307" ID="st12-19"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="265" VPOS="307" ID="st12-20"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="144" HPOS="296" VPOS="307" ID="st12-21"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="440" VPOS="307" ID="st12-22"/><SP/><String HEIGHT="24" CONTENT="benefits" WIDTH="81" HPOS="460" VPOS="307" ID="st12-23"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="541" VPOS="307" ID="st12-24"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="560" VPOS="307" ID="st12-25"/><SP/><String HEIGHT="24" CONTENT="overtime" WIDTH="93" HPOS="608" VPOS="307" ID="st12-26"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="709" VPOS="307" ID="st12-27"/><SP/><String HEIGHT="24" CONTENT="merit" WIDTH="56" HPOS="739" VPOS="307" ID="st12-28"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl12-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="pay" WIDTH="38" HPOS="196" VPOS="343" ID="st12-29"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="240" VPOS="343" ID="st12-30"/><String HEIGHT="24" CONTENT="Professional" WIDTH="123" HPOS="250" VPOS="343" ID="st12-31"/><SP/><String HEIGHT="24" CONTENT="Employees" WIDTH="107" HPOS="380" VPOS="343" ID="st12-32"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="487" VPOS="343" ID="st12-33"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="506" VPOS="343" ID="st12-34"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="552" VPOS="343" ID="st12-35"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="564" VPOS="343" ID="st12-36"/><SP/><String HEIGHT="24" CONTENT="Unions" WIDTH="74" HPOS="582" VPOS="343" ID="st12-37"/><SP/><String HEIGHT="24" CONTENT="representing" WIDTH="133" HPOS="662" VPOS="343" ID="st12-38"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl12-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="196" VPOS="379" ID="st12-39"/><SP/><String HEIGHT="24" CONTENT="wide" WIDTH="52" HPOS="219" VPOS="379" ID="st12-40"/><SP/><String HEIGHT="24" CONTENT="range" WIDTH="61" HPOS="281" VPOS="379" ID="st12-41"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="352" VPOS="379" ID="st12-42"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="385" VPOS="379" ID="st12-43"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="480" VPOS="379" ID="st12-44"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="509" VPOS="379" ID="st12-45"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="554" VPOS="379" ID="st12-46"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="564" VPOS="379" ID="st12-47"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="575" VPOS="379" ID="st12-48"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="586" VPOS="379" ID="st12-49"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="608" VPOS="379" ID="st12-50"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="668" VPOS="379" ID="st12-51"/><SP/><String HEIGHT="24" CONTENT="highly" WIDTH="64" HPOS="731" VPOS="379" ID="st12-52"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl12-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="effective" WIDTH="91" HPOS="196" VPOS="415" ID="st12-53"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="300" VPOS="415" ID="st12-54"/><SP/><String HEIGHT="24" CONTENT="accomplishing" WIDTH="153" HPOS="332" VPOS="415" ID="st12-55"/><SP/><String HEIGHT="24" CONTENT="similar" WIDTH="68" HPOS="498" VPOS="415" ID="st12-56"/><SP/><String HEIGHT="24" CONTENT="issues" WIDTH="62" HPOS="579" VPOS="415" ID="st12-57"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="653" VPOS="415" ID="st12-58"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="686" VPOS="415" ID="st12-59"/><SP/><String HEIGHT="24" CONTENT="own" WIDTH="47" HPOS="748" VPOS="415" ID="st12-60"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl12-5" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="fields" WIDTH="54" HPOS="196" VPOS="451" ID="st12-61"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="250" VPOS="451" ID="st12-62"/><SP/><String HEIGHT="24" CONTENT="One" WIDTH="44" HPOS="274" VPOS="451" ID="st12-63"/><SP/><String HEIGHT="24" CONTENT="particularly" WIDTH="118" HPOS="332" VPOS="451" ID="st12-64"/><SP/><String HEIGHT="24" CONTENT="relevant" WIDTH="86" HPOS="464" VPOS="451" ID="st12-65"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="89" HPOS="564" VPOS="451" ID="st12-66"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="667" VPOS="451" ID="st12-67"/><SP/><String HEIGHT="24" CONTENT="collective" WIDTH="98" HPOS="697" VPOS="451" ID="st12-68"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl12-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="bargaining" WIDTH="115" HPOS="196" VPOS="488" ID="st12-69"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="322" VPOS="488" ID="st12-70"/><SP/><String HEIGHT="23" CONTENT="health" WIDTH="67" HPOS="352" VPOS="488" ID="st12-71"/><SP/><String HEIGHT="23" CONTENT="care" WIDTH="40" HPOS="431" VPOS="488" ID="st12-72"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="471" VPOS="488" ID="st12-73"/><SP/><String HEIGHT="23" CONTENT="where" WIDTH="66" HPOS="493" VPOS="488" ID="st12-74"/><SP/><String HEIGHT="23" CONTENT="doctors" WIDTH="76" HPOS="570" VPOS="488" ID="st12-75"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="646" VPOS="488" ID="st12-76"/><SP/><String HEIGHT="23" CONTENT="nurses" WIDTH="64" HPOS="668" VPOS="488" ID="st12-77"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="732" VPOS="488" ID="st12-78"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="754" VPOS="488" ID="st12-79"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl12-7" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="health" WIDTH="67" HPOS="196" VPOS="524" ID="st12-80"/><SP/><String HEIGHT="23" CONTENT="care" WIDTH="44" HPOS="270" VPOS="524" ID="st12-81"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="321" VPOS="524" ID="st12-82"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="413" VPOS="524" ID="st12-83"/><SP/><String HEIGHT="23" CONTENT="negotiated" WIDTH="115" HPOS="470" VPOS="524" ID="st12-84"/><SP/><String HEIGHT="23" CONTENT="directly" WIDTH="76" HPOS="592" VPOS="524" ID="st12-85"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="675" VPOS="524" ID="st12-86"/><SP/><String HEIGHT="23" CONTENT="hospi" WIDTH="55" HPOS="729" VPOS="524" ID="st12-87" SUBS_TYPE="HypPart1" SUBS_CONTENT="hospitals"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="524" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl12-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tals" WIDTH="36" HPOS="196" VPOS="560" ID="st12-88" SUBS_TYPE="HypPart2" SUBS_CONTENT="hospitals"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="239" VPOS="560" ID="st12-89"/><SP/><String HEIGHT="24" CONTENT="improve" WIDTH="85" HPOS="269" VPOS="560" ID="st12-90"/><SP/><String HEIGHT="24" CONTENT="nurse" WIDTH="53" HPOS="361" VPOS="560" ID="st12-91"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="414" VPOS="560" ID="st12-92"/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="425" VPOS="560" ID="st12-93"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="447" VPOS="560" ID="st12-94"/><String HEIGHT="24" CONTENT="patient" WIDTH="76" HPOS="457" VPOS="560" ID="st12-95"/><SP/><String HEIGHT="24" CONTENT="ratios" WIDTH="59" HPOS="540" VPOS="560" ID="st12-96"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="606" VPOS="560" ID="st12-97"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="653" VPOS="560" ID="st12-98"/><SP/><String HEIGHT="24" CONTENT="quality" WIDTH="71" HPOS="695" VPOS="560" ID="st12-99"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="560" ID="st12-100"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl12-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="care" WIDTH="44" HPOS="196" VPOS="596" ID="st12-101"/><SP/><String HEIGHT="24" CONTENT="provided" WIDTH="88" HPOS="248" VPOS="596" ID="st12-102"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="336" VPOS="596" ID="st12-103"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="355" VPOS="596" ID="st12-104"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="423" VPOS="596" ID="st12-105"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="501" VPOS="596" ID="st12-106"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="558" VPOS="596" ID="st12-107"/><SP/><String HEIGHT="24" CONTENT="provided" WIDTH="93" HPOS="607" VPOS="596" ID="st12-108"/><SP/><String HEIGHT="24" CONTENT="valuable" WIDTH="88" HPOS="707" VPOS="596" ID="st12-109"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl12-10" WIDTH="533" HEIGHT="24"><String HEIGHT="24" CONTENT="insight" WIDTH="71" HPOS="196" VPOS="632" ID="st12-110"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="274" VPOS="632" ID="st12-111"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="301" VPOS="632" ID="st12-112"/><SP/><String HEIGHT="24" CONTENT="political" WIDTH="82" HPOS="342" VPOS="632" ID="st12-113"/><SP/><String HEIGHT="24" CONTENT="debates" WIDTH="83" HPOS="431" VPOS="632" ID="st12-114"/><SP/><String HEIGHT="24" CONTENT="around" WIDTH="76" HPOS="521" VPOS="632" ID="st12-115"/><SP/><String HEIGHT="24" CONTENT="health" WIDTH="67" HPOS="604" VPOS="632" ID="st12-116"/><SP/><String HEIGHT="24" CONTENT="care" WIDTH="40" HPOS="678" VPOS="632" ID="st12-117"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="718" VPOS="632" ID="st12-118"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl12-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Furthermore" WIDTH="128" HPOS="196" VPOS="704" ID="st12-119"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="324" VPOS="704" ID="st12-120"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="349" VPOS="704" ID="st12-121"/><SP/><String HEIGHT="24" CONTENT="international" WIDTH="137" HPOS="384" VPOS="704" ID="st12-122"/><SP/><String HEIGHT="24" CONTENT="examples" WIDTH="99" HPOS="534" VPOS="704" ID="st12-123"/><SP/><String HEIGHT="24" CONTENT="illustrate" WIDTH="91" HPOS="646" VPOS="704" ID="st12-124"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="750" VPOS="704" ID="st12-125"/><String HEIGHT="24" CONTENT="dis" WIDTH="27" HPOS="759" VPOS="704" ID="st12-126" SUBS_TYPE="HypPart1" SUBS_CONTENT="discussed"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="704" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl12-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="cussed" WIDTH="72" HPOS="196" VPOS="740" ID="st12-127" SUBS_TYPE="HypPart2" SUBS_CONTENT="discussed"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="279" VPOS="740" ID="st12-128"/><SP/><String HEIGHT="24" CONTENT="detail" WIDTH="59" HPOS="311" VPOS="740" ID="st12-129"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="57" HPOS="381" VPOS="740" ID="st12-130"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="438" VPOS="740" ID="st12-131"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="449" VPOS="740" ID="st12-132"/><SP/><String HEIGHT="24" CONTENT="unionized" WIDTH="105" HPOS="473" VPOS="740" ID="st12-133"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="590" VPOS="740" ID="st12-134"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="687" VPOS="740" ID="st12-135"/><SP/><String HEIGHT="24" CONTENT="make" WIDTH="59" HPOS="736" VPOS="740" ID="st12-136"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl12-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="important" WIDTH="106" HPOS="196" VPOS="776" ID="st12-137"/><SP/><String HEIGHT="24" CONTENT="contributions" WIDTH="141" HPOS="313" VPOS="776" ID="st12-138"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="465" VPOS="776" ID="st12-139"/><SP/><String HEIGHT="24" CONTENT="industry" WIDTH="80" HPOS="498" VPOS="776" ID="st12-140"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="578" VPOS="776" ID="st12-141"/><String HEIGHT="24" CONTENT="level" WIDTH="51" HPOS="588" VPOS="776" ID="st12-142"/><SP/><String HEIGHT="24" CONTENT="conversations" WIDTH="145" HPOS="650" VPOS="776" ID="st12-143"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl12-14" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="about" WIDTH="63" HPOS="196" VPOS="813" ID="st12-144"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="90" HPOS="272" VPOS="813" ID="st12-145"/><SP/><String HEIGHT="23" CONTENT="regulation" WIDTH="109" HPOS="375" VPOS="813" ID="st12-146"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="497" VPOS="813" ID="st12-147"/><SP/><String HEIGHT="23" CONTENT="policy" WIDTH="56" HPOS="551" VPOS="813" ID="st12-148"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="607" VPOS="813" ID="st12-149"/><SP/><String HEIGHT="23" CONTENT="Countries" WIDTH="104" HPOS="630" VPOS="813" ID="st12-150"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="48" HPOS="747" VPOS="813" ID="st12-151"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl12-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="strong" WIDTH="69" HPOS="196" VPOS="849" ID="st12-152"/><SP/><String HEIGHT="23" CONTENT="labor" WIDTH="54" HPOS="281" VPOS="849" ID="st12-153"/><SP/><String HEIGHT="23" CONTENT="laws" WIDTH="48" HPOS="351" VPOS="849" ID="st12-154"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="415" VPOS="849" ID="st12-155"/><SP/><String HEIGHT="23" CONTENT="institutions" WIDTH="118" HPOS="472" VPOS="849" ID="st12-156"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="606" VPOS="849" ID="st12-157"/><SP/><String HEIGHT="23" CONTENT="seen" WIDTH="49" HPOS="672" VPOS="849" ID="st12-158"/><SP/><String HEIGHT="23" CONTENT="these" WIDTH="58" HPOS="737" VPOS="849" ID="st12-159"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl12-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="structures" WIDTH="104" HPOS="196" VPOS="885" ID="st12-160"/><SP/><String HEIGHT="24" CONTENT="act" WIDTH="32" HPOS="307" VPOS="885" ID="st12-161"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="346" VPOS="885" ID="st12-162"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="376" VPOS="885" ID="st12-163"/><SP/><String HEIGHT="24" CONTENT="countervailing" WIDTH="150" HPOS="395" VPOS="885" ID="st12-164"/><SP/><String HEIGHT="24" CONTENT="force" WIDTH="54" HPOS="552" VPOS="885" ID="st12-165"/><SP/><String HEIGHT="24" CONTENT="against" WIDTH="76" HPOS="613" VPOS="885" ID="st12-166"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="697" VPOS="885" ID="st12-167"/><SP/><String HEIGHT="24" CONTENT="trend" WIDTH="57" HPOS="738" VPOS="885" ID="st12-168"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl12-17" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="196" VPOS="921" ID="st12-169"/><SP/><String HEIGHT="24" CONTENT="financialization" WIDTH="158" HPOS="232" VPOS="921" ID="st12-170"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="390" VPOS="921" ID="st12-171"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="413" VPOS="921" ID="st12-172"/><SP/><String HEIGHT="24" CONTENT="section" WIDTH="75" HPOS="468" VPOS="921" ID="st12-173"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="37" HPOS="556" VPOS="921" ID="st12-174"/><SP/><String HEIGHT="24" CONTENT="examine" WIDTH="89" HPOS="606" VPOS="921" ID="st12-175"/><SP/><String HEIGHT="24" CONTENT="how" WIDTH="48" HPOS="708" VPOS="921" ID="st12-176"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="768" VPOS="921" ID="st12-177"/></TextLine><TextLine HPOS="196" VPOS="957" ID="tl12-18" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="organized" WIDTH="107" HPOS="196" VPOS="957" ID="st12-178"/><SP/><String HEIGHT="24" CONTENT="workforce" WIDTH="108" HPOS="314" VPOS="957" ID="st12-179"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="434" VPOS="957" ID="st12-180"/><SP/><String HEIGHT="24" CONTENT="contribute" WIDTH="110" HPOS="483" VPOS="957" ID="st12-181"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="605" VPOS="957" ID="st12-182"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="638" VPOS="957" ID="st12-183"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="43" HPOS="700" VPOS="957" ID="st12-184"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="754" VPOS="957" ID="st12-185"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl12-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="systemic" WIDTH="89" HPOS="196" VPOS="993" ID="st12-186"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="296" VPOS="993" ID="st12-187"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="343" VPOS="993" ID="st12-188"/><SP/><String HEIGHT="24" CONTENT="through" WIDTH="86" HPOS="495" VPOS="993" ID="st12-189"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="592" VPOS="993" ID="st12-190"/><SP/><String HEIGHT="24" CONTENT="ways" WIDTH="53" HPOS="637" VPOS="993" ID="st12-191"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="701" VPOS="993" ID="st12-192"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="731" VPOS="993" ID="st12-193"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl12-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="196" VPOS="1029" ID="st12-194"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="256" VPOS="1029" ID="st12-195"/><SP/><String HEIGHT="24" CONTENT="interests" WIDTH="88" HPOS="337" VPOS="1029" ID="st12-196"/><SP/><String HEIGHT="24" CONTENT="balance" WIDTH="82" HPOS="432" VPOS="1029" ID="st12-197"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="520" VPOS="1029" ID="st12-198"/><SP/><String HEIGHT="24" CONTENT="equity" WIDTH="64" HPOS="561" VPOS="1029" ID="st12-199"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="625" VPOS="1029" ID="st12-200"/><String HEIGHT="24" CONTENT="driven" WIDTH="65" HPOS="635" VPOS="1029" ID="st12-201"/><SP/><String HEIGHT="24" CONTENT="interests" WIDTH="89" HPOS="706" VPOS="1029" ID="st12-202"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl12-21" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="196" VPOS="1065" ID="st12-203"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="136" HPOS="230" VPOS="1065" ID="st12-204"/><String HEIGHT="24" CONTENT="." WIDTH="14" HPOS="366" VPOS="1065" ID="st12-205"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="391" VPOS="1065" ID="st12-206"/><SP/><String HEIGHT="24" CONTENT="section" WIDTH="75" HPOS="445" VPOS="1065" ID="st12-207"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="532" VPOS="1065" ID="st12-208"/><SP/><String HEIGHT="24" CONTENT="looks" WIDTH="56" HPOS="586" VPOS="1065" ID="st12-209"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="653" VPOS="1065" ID="st12-210"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="686" VPOS="1065" ID="st12-211"/><SP/><String HEIGHT="24" CONTENT="broad" WIDTH="63" HPOS="732" VPOS="1065" ID="st12-212"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl12-22" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="benefits" WIDTH="85" HPOS="196" VPOS="1101" ID="st12-213"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="288" VPOS="1101" ID="st12-214"/><SP/><String HEIGHT="24" CONTENT="bargaining" WIDTH="114" HPOS="316" VPOS="1101" ID="st12-215"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="437" VPOS="1101" ID="st12-216"/><SP/><String HEIGHT="24" CONTENT="wages" WIDTH="62" HPOS="489" VPOS="1101" ID="st12-217"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="551" VPOS="1101" ID="st12-218"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="571" VPOS="1101" ID="st12-219"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="618" VPOS="1101" ID="st12-220"/><SP/><String HEIGHT="24" CONTENT="transparency" WIDTH="136" HPOS="659" VPOS="1101" ID="st12-221"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl12-23" WIDTH="374" HEIGHT="23"><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1138" ID="st12-222"/><SP/><String HEIGHT="23" CONTENT="oversight" WIDTH="97" HPOS="244" VPOS="1138" ID="st12-223"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="348" VPOS="1138" ID="st12-224"/><SP/><String HEIGHT="23" CONTENT="can" WIDTH="38" HPOS="439" VPOS="1138" ID="st12-225"/><SP/><String HEIGHT="23" CONTENT="provide" WIDTH="75" HPOS="484" VPOS="1138" ID="st12-226"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="559" VPOS="1138" ID="st12-227"/></TextLine><TextLine HPOS="309" VPOS="1242" ID="tl12-24" WIDTH="486" HEIGHT="29"><String HEIGHT="29" CONTENT="Bank" WIDTH="64" HPOS="309" VPOS="1242" ID="st12-228"/><SP/><String HEIGHT="29" CONTENT="Workers" WIDTH="101" HPOS="382" VPOS="1242" ID="st12-229"/><String HEIGHT="29" CONTENT="’" WIDTH="15" HPOS="483" VPOS="1242" ID="st12-230"/><SP/><String HEIGHT="29" CONTENT="Alignment" WIDTH="136" HPOS="507" VPOS="1242" ID="st12-231"/><SP/><String HEIGHT="29" CONTENT="of" WIDTH="27" HPOS="651" VPOS="1242" ID="st12-232"/><SP/><String HEIGHT="29" CONTENT="Interests" WIDTH="108" HPOS="687" VPOS="1242" ID="st12-233"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl12-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Since" WIDTH="56" HPOS="196" VPOS="1318" ID="st12-234"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="262" VPOS="1318" ID="st12-235"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="307" VPOS="1318" ID="st12-236"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="48" HPOS="406" VPOS="1318" ID="st12-237"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="454" VPOS="1318" ID="st12-238"/><SP/><String HEIGHT="24" CONTENT="there" WIDTH="55" HPOS="474" VPOS="1318" ID="st12-239"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="539" VPOS="1318" ID="st12-240"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="52" HPOS="586" VPOS="1318" ID="st12-241"/><SP/><String HEIGHT="24" CONTENT="increasing" WIDTH="106" HPOS="649" VPOS="1318" ID="st12-242"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="20" HPOS="766" VPOS="1318" ID="st12-243" SUBS_TYPE="HypPart1" SUBS_CONTENT="attention"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="1318" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl12-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tention" WIDTH="77" HPOS="196" VPOS="1354" ID="st12-244" SUBS_TYPE="HypPart2" SUBS_CONTENT="attention"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="283" VPOS="1354" ID="st12-245"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="317" VPOS="1354" ID="st12-246"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="107" HPOS="377" VPOS="1354" ID="st12-247"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="494" VPOS="1354" ID="st12-248"/><SP/><String HEIGHT="24" CONTENT="researchers" WIDTH="118" HPOS="544" VPOS="1354" ID="st12-249"/><SP/><String HEIGHT="24" CONTENT="paid" WIDTH="46" HPOS="672" VPOS="1354" ID="st12-250"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="728" VPOS="1354" ID="st12-251"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1354" ID="st12-252"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl12-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="problems" WIDTH="99" HPOS="196" VPOS="1390" ID="st12-253"/><SP/><String HEIGHT="24" CONTENT="associated" WIDTH="111" HPOS="308" VPOS="1390" ID="st12-254"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="432" VPOS="1390" ID="st12-255"/><SP/><String HEIGHT="24" CONTENT="equity" WIDTH="68" HPOS="493" VPOS="1390" ID="st12-256"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="561" VPOS="1390" ID="st12-257"/><String HEIGHT="24" CONTENT="based" WIDTH="58" HPOS="572" VPOS="1390" ID="st12-258"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="151" HPOS="644" VPOS="1390" ID="st12-259"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl12-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="196" VPOS="1426" ID="st12-260"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="90" HPOS="227" VPOS="1426" ID="st12-261"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="115" HPOS="328" VPOS="1426" ID="st12-262"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="443" VPOS="1426" ID="st12-263"/><SP/><String HEIGHT="24" CONTENT="Scholars" WIDTH="88" HPOS="464" VPOS="1426" ID="st12-264"/><SP/><String HEIGHT="24" CONTENT="such" WIDTH="49" HPOS="563" VPOS="1426" ID="st12-265"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="624" VPOS="1426" ID="st12-266"/><SP/><String HEIGHT="24" CONTENT="Harvard" WIDTH="83" HPOS="657" VPOS="1426" ID="st12-267"/><SP/><String HEIGHT="24" CONTENT="Law" WIDTH="43" HPOS="752" VPOS="1426" ID="st12-268"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl12-29" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="School" WIDTH="71" HPOS="196" VPOS="1463" ID="st12-269"/><SP/><String HEIGHT="23" CONTENT="Prof" WIDTH="39" HPOS="279" VPOS="1463" ID="st12-270"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="318" VPOS="1463" ID="st12-271"/><SP/><String HEIGHT="23" CONTENT="Lucien" WIDTH="68" HPOS="340" VPOS="1463" ID="st12-272"/><SP/><String HEIGHT="23" CONTENT="Bebcuck" WIDTH="89" HPOS="419" VPOS="1463" ID="st12-273"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="520" VPOS="1463" ID="st12-274"/><SP/><String HEIGHT="23" CONTENT="asked" WIDTH="61" HPOS="581" VPOS="1463" ID="st12-275"/><SP/><String HEIGHT="23" CONTENT="whether" WIDTH="89" HPOS="654" VPOS="1463" ID="st12-276"/><SP/><String HEIGHT="23" CONTENT="it" WIDTH="14" HPOS="754" VPOS="1463" ID="st12-277"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="15" HPOS="779" VPOS="1463" ID="st12-278"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl12-30" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="really" WIDTH="55" HPOS="196" VPOS="1499" ID="st12-279"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="261" VPOS="1499" ID="st12-280"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="289" VPOS="1499" ID="st12-281"/><SP/><String HEIGHT="23" CONTENT="public" WIDTH="64" HPOS="333" VPOS="1499" ID="st12-282"/><SP/><String HEIGHT="23" CONTENT="interest" WIDTH="79" HPOS="406" VPOS="1499" ID="st12-283"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="494" VPOS="1499" ID="st12-284"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="534" VPOS="1499" ID="st12-285"/><SP/><String HEIGHT="23" CONTENT="executives" WIDTH="108" HPOS="578" VPOS="1499" ID="st12-286"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="695" VPOS="1499" ID="st12-287"/><SP/><String HEIGHT="23" CONTENT="mega" WIDTH="55" HPOS="727" VPOS="1499" ID="st12-288" SUBS_TYPE="HypPart1" SUBS_CONTENT="megabanks"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="1499" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl12-31" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="196" VPOS="1535" ID="st12-289" SUBS_TYPE="HypPart2" SUBS_CONTENT="megabanks"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="268" VPOS="1535" ID="st12-290"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="300" VPOS="1535" ID="st12-291"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="360" VPOS="1535" ID="st12-292"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="418" VPOS="1535" ID="st12-293"/><SP/><String HEIGHT="24" CONTENT="linked" WIDTH="64" HPOS="577" VPOS="1535" ID="st12-294"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="651" VPOS="1535" ID="st12-295"/><SP/><String HEIGHT="24" CONTENT="short" WIDTH="56" HPOS="682" VPOS="1535" ID="st12-296"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="738" VPOS="1535" ID="st12-297"/><String HEIGHT="24" CONTENT="term" WIDTH="46" HPOS="749" VPOS="1535" ID="st12-298"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl12-32" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="equity" WIDTH="66" HPOS="196" VPOS="1571" ID="st12-299"/><SP/><String HEIGHT="24" CONTENT="prices" WIDTH="59" HPOS="274" VPOS="1571" ID="st12-300"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="333" VPOS="1571" ID="st12-301"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="40" HPOS="355" VPOS="1571" ID="st12-302"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="407" VPOS="1571" ID="st12-303"/><SP/><String HEIGHT="24" CONTENT="asymmetries" WIDTH="133" HPOS="456" VPOS="1571" ID="st12-304"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="601" VPOS="1571" ID="st12-305"/><SP/><String HEIGHT="24" CONTENT="time" WIDTH="47" HPOS="654" VPOS="1571" ID="st12-306"/><SP/><String HEIGHT="24" CONTENT="horizon" WIDTH="81" HPOS="714" VPOS="1571" ID="st12-307"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl12-33" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="issues" WIDTH="61" HPOS="196" VPOS="1607" ID="st12-308"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="265" VPOS="1607" ID="st12-309"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="305" VPOS="1607" ID="st12-310"/><SP/><String HEIGHT="24" CONTENT="known" WIDTH="74" HPOS="356" VPOS="1607" ID="st12-311"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="437" VPOS="1607" ID="st12-312"/><SP/><String HEIGHT="24" CONTENT="students" WIDTH="90" HPOS="467" VPOS="1607" ID="st12-313"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="565" VPOS="1607" ID="st12-314"/><SP/><String HEIGHT="24" CONTENT="executive" WIDTH="99" HPOS="594" VPOS="1607" ID="st12-315"/><SP/><String HEIGHT="24" CONTENT="compen" WIDTH="82" HPOS="700" VPOS="1607" ID="st12-316" SUBS_TYPE="HypPart1" SUBS_CONTENT="compensation"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="1607" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl12-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="sation" WIDTH="60" HPOS="196" VPOS="1643" ID="st12-317" SUBS_TYPE="HypPart2" SUBS_CONTENT="compensation"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="256" VPOS="1643" ID="st12-318"/><SP/><String HEIGHT="24" CONTENT="By" WIDTH="25" HPOS="278" VPOS="1643" ID="st12-319"/><SP/><String HEIGHT="24" CONTENT="contrast" WIDTH="82" HPOS="314" VPOS="1643" ID="st12-320"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="396" VPOS="1643" ID="st12-321"/><SP/><String HEIGHT="24" CONTENT="while" WIDTH="57" HPOS="418" VPOS="1643" ID="st12-322"/><SP/><String HEIGHT="24" CONTENT="line" WIDTH="37" HPOS="487" VPOS="1643" ID="st12-323"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="535" VPOS="1643" ID="st12-324"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="599" VPOS="1643" ID="st12-325"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="695" VPOS="1643" ID="st12-326"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="746" VPOS="1643" ID="st12-327"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl12-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="196" VPOS="1679" ID="st12-328"/><SP/><String HEIGHT="24" CONTENT="definitely" WIDTH="98" HPOS="273" VPOS="1679" ID="st12-329"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="377" VPOS="1679" ID="st12-330"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="433" VPOS="1679" ID="st12-331"/><SP/><String HEIGHT="24" CONTENT="own" WIDTH="47" HPOS="488" VPOS="1679" ID="st12-332"/><SP/><String HEIGHT="24" CONTENT="interests" WIDTH="85" HPOS="542" VPOS="1679" ID="st12-333"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="627" VPOS="1679" ID="st12-334"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="643" VPOS="1679" ID="st12-335"/><SP/><String HEIGHT="24" CONTENT="interests" WIDTH="89" HPOS="706" VPOS="1679" ID="st12-336"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl12-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="196" VPOS="1715" ID="st12-337"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="36" HPOS="234" VPOS="1715" ID="st12-338"/><SP/><String HEIGHT="24" CONTENT="subject" WIDTH="75" HPOS="276" VPOS="1715" ID="st12-339"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="356" VPOS="1715" ID="st12-340"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="383" VPOS="1715" ID="st12-341"/><SP/><String HEIGHT="24" CONTENT="same" WIDTH="56" HPOS="423" VPOS="1715" ID="st12-342"/><SP/><String HEIGHT="24" CONTENT="conflicts" WIDTH="87" HPOS="484" VPOS="1715" ID="st12-343"/><SP/><String HEIGHT="24" CONTENT="traditionally" WIDTH="125" HPOS="576" VPOS="1715" ID="st12-344"/><SP/><String HEIGHT="24" CONTENT="faced" WIDTH="58" HPOS="706" VPOS="1715" ID="st12-345"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="770" VPOS="1715" ID="st12-346"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl12-37" WIDTH="473" HEIGHT="24"><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="196" VPOS="1751" ID="st12-347"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="267" VPOS="1751" ID="st12-348"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="416" VPOS="1751" ID="st12-349"/><SP/><String HEIGHT="24" CONTENT="boards" WIDTH="72" HPOS="463" VPOS="1751" ID="st12-350"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="542" VPOS="1751" ID="st12-351"/><SP/><String HEIGHT="24" CONTENT="directors" WIDTH="88" HPOS="571" VPOS="1751" ID="st12-352"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="659" VPOS="1751" ID="st12-353"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl12-38" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="196" VPOS="1824" ID="st12-354"/><SP/><String HEIGHT="23" CONTENT="consequence" WIDTH="138" HPOS="241" VPOS="1824" ID="st12-355"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="385" VPOS="1824" ID="st12-356"/><SP/><String HEIGHT="23" CONTENT="management" WIDTH="142" HPOS="412" VPOS="1824" ID="st12-357"/><SP/><String HEIGHT="23" CONTENT="receiving" WIDTH="94" HPOS="559" VPOS="1824" ID="st12-358"/><SP/><String HEIGHT="23" CONTENT="short" WIDTH="52" HPOS="658" VPOS="1824" ID="st12-359"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="710" VPOS="1824" ID="st12-360"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="726" VPOS="1824" ID="st12-361"/><SP/><String HEIGHT="23" CONTENT="me" WIDTH="28" HPOS="753" VPOS="1824" ID="st12-362" SUBS_TYPE="HypPart1" SUBS_CONTENT="medium"/><HYP CONTENT="-" WIDTH="14" HPOS="781" VPOS="1824" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl12-39" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="dium" WIDTH="50" HPOS="196" VPOS="1860" ID="st12-363" SUBS_TYPE="HypPart2" SUBS_CONTENT="medium"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="246" VPOS="1860" ID="st12-364"/><String HEIGHT="24" CONTENT="term" WIDTH="51" HPOS="258" VPOS="1860" ID="st12-365"/><SP/><String HEIGHT="24" CONTENT="equity" WIDTH="65" HPOS="317" VPOS="1860" ID="st12-366"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="390" VPOS="1860" ID="st12-367"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="548" VPOS="1860" ID="st12-368"/><SP/><String HEIGHT="24" CONTENT="typically" WIDTH="84" HPOS="572" VPOS="1860" ID="st12-369"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="664" VPOS="1860" ID="st12-370"/><SP/><String HEIGHT="24" CONTENT="excessive" WIDTH="96" HPOS="699" VPOS="1860" ID="st12-371"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl12-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="managerial" WIDTH="118" HPOS="196" VPOS="1896" ID="st12-372"/><SP/><String HEIGHT="24" CONTENT="focus" WIDTH="57" HPOS="322" VPOS="1896" ID="st12-373"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="27" HPOS="387" VPOS="1896" ID="st12-374"/><SP/><String HEIGHT="24" CONTENT="short" WIDTH="56" HPOS="422" VPOS="1896" ID="st12-375"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="478" VPOS="1896" ID="st12-376"/><String HEIGHT="24" CONTENT="term" WIDTH="45" HPOS="489" VPOS="1896" ID="st12-377"/><SP/><String HEIGHT="24" CONTENT="stock" WIDTH="56" HPOS="542" VPOS="1896" ID="st12-378"/><SP/><String HEIGHT="24" CONTENT="price" WIDTH="52" HPOS="605" VPOS="1896" ID="st12-379"/><SP/><String HEIGHT="24" CONTENT="movements" WIDTH="117" HPOS="664" VPOS="1896" ID="st12-380"/><String HEIGHT="24" CONTENT="." WIDTH="14" HPOS="781" VPOS="1896" ID="st12-381"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl12-41" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Another" WIDTH="89" HPOS="196" VPOS="1932" ID="st12-382"/><SP/><String HEIGHT="24" CONTENT="common" WIDTH="95" HPOS="299" VPOS="1932" ID="st12-383"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="90" HPOS="408" VPOS="1932" ID="st12-384"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="512" VPOS="1932" ID="st12-385"/><SP/><String HEIGHT="24" CONTENT="managers" WIDTH="105" HPOS="541" VPOS="1932" ID="st12-386"/><SP/><String HEIGHT="24" CONTENT="who" WIDTH="47" HPOS="661" VPOS="1932" ID="st12-387"/><SP/><String HEIGHT="24" CONTENT="pursue" WIDTH="73" HPOS="722" VPOS="1932" ID="st12-388"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl12-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="196" VPOS="1968" ID="st12-389"/><String HEIGHT="24" CONTENT="empire" WIDTH="76" HPOS="208" VPOS="1968" ID="st12-390"/><SP/><String HEIGHT="24" CONTENT="building" WIDTH="88" HPOS="298" VPOS="1968" ID="st12-391"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="386" VPOS="1968" ID="st12-392"/><SP/><String HEIGHT="24" CONTENT="rather" WIDTH="64" HPOS="412" VPOS="1968" ID="st12-393"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="490" VPOS="1968" ID="st12-394"/><SP/><String HEIGHT="24" CONTENT="internal" WIDTH="82" HPOS="552" VPOS="1968" ID="st12-395"/><SP/><String HEIGHT="24" CONTENT="development" WIDTH="134" HPOS="648" VPOS="1968" ID="st12-396"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="782" VPOS="1968" ID="st12-397"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl12-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="because" WIDTH="86" HPOS="196" VPOS="2004" ID="st12-398"/><SP/><String HEIGHT="24" CONTENT="CEOs" WIDTH="57" HPOS="293" VPOS="2004" ID="st12-399"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="361" VPOS="2004" ID="st12-400"/><SP/><String HEIGHT="24" CONTENT="often" WIDTH="57" HPOS="405" VPOS="2004" ID="st12-401"/><SP/><String HEIGHT="24" CONTENT="compensated" WIDTH="143" HPOS="472" VPOS="2004" ID="st12-402"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="626" VPOS="2004" ID="st12-403"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="665" VPOS="2004" ID="st12-404"/><SP/><String HEIGHT="24" CONTENT="basis" WIDTH="52" HPOS="710" VPOS="2004" ID="st12-405"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="2004" ID="st12-406"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl12-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="2040" ID="st12-407"/><SP/><String HEIGHT="24" CONTENT="size" WIDTH="39" HPOS="242" VPOS="2040" ID="st12-408"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="291" VPOS="2040" ID="st12-409"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="324" VPOS="2040" ID="st12-410"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="40" HPOS="370" VPOS="2040" ID="st12-411"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="410" VPOS="2040" ID="st12-412"/><SP/><String HEIGHT="24" CONTENT="Although" WIDTH="100" HPOS="431" VPOS="2040" ID="st12-413"/><SP/><String HEIGHT="24" CONTENT="boards" WIDTH="72" HPOS="541" VPOS="2040" ID="st12-414"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="624" VPOS="2040" ID="st12-415"/><SP/><String HEIGHT="24" CONTENT="tasked" WIDTH="70" HPOS="667" VPOS="2040" ID="st12-416"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="748" VPOS="2040" ID="st12-417"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl12-45" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="overseeing" WIDTH="115" HPOS="858" VPOS="307" ID="st12-418"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="137" HPOS="990" VPOS="307" ID="st12-419"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="1127" VPOS="307" ID="st12-420"/><SP/><String HEIGHT="24" CONTENT="key" WIDTH="36" HPOS="1158" VPOS="307" ID="st12-421"/><SP/><String HEIGHT="24" CONTENT="executives" WIDTH="110" HPOS="1211" VPOS="307" ID="st12-422"/><SP/><String HEIGHT="24" CONTENT="themselves" WIDTH="118" HPOS="1338" VPOS="307" ID="st12-423"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl12-46" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="often" WIDTH="57" HPOS="858" VPOS="343" ID="st12-424"/><SP/><String HEIGHT="24" CONTENT="serve" WIDTH="54" HPOS="922" VPOS="343" ID="st12-425"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="983" VPOS="343" ID="st12-426"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1018" VPOS="343" ID="st12-427"/><SP/><String HEIGHT="24" CONTENT="board" WIDTH="57" HPOS="1060" VPOS="343" ID="st12-428"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1117" VPOS="343" ID="st12-429"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1136" VPOS="343" ID="st12-430"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="1162" VPOS="343" ID="st12-431"/><SP/><String HEIGHT="24" CONTENT="cases" WIDTH="55" HPOS="1227" VPOS="343" ID="st12-432"/><SP/><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="1289" VPOS="343" ID="st12-433"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1346" VPOS="343" ID="st12-434"/><SP/><String HEIGHT="24" CONTENT="chair" WIDTH="51" HPOS="1376" VPOS="343" ID="st12-435"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="343" ID="st12-436"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl12-47" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="379" ID="st12-437"/><SP/><String HEIGHT="24" CONTENT="board" WIDTH="57" HPOS="901" VPOS="379" ID="st12-438"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="958" VPOS="379" ID="st12-439"/><SP/><String HEIGHT="24" CONTENT="Even" WIDTH="50" HPOS="979" VPOS="379" ID="st12-440"/><SP/><String HEIGHT="24" CONTENT="independent" WIDTH="135" HPOS="1037" VPOS="379" ID="st12-441"/><SP/><String HEIGHT="24" CONTENT="directors" WIDTH="91" HPOS="1181" VPOS="379" ID="st12-442"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="1281" VPOS="379" ID="st12-443"/><SP/><String HEIGHT="24" CONTENT="become" WIDTH="84" HPOS="1327" VPOS="379" ID="st12-444"/><SP/><String HEIGHT="24" CONTENT="too" WIDTH="36" HPOS="1420" VPOS="379" ID="st12-445"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl12-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="complacent" WIDTH="123" HPOS="858" VPOS="415" ID="st12-446"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="988" VPOS="415" ID="st12-447"/><SP/><String HEIGHT="24" CONTENT="lose" WIDTH="42" HPOS="1034" VPOS="415" ID="st12-448"/><SP/><String HEIGHT="24" CONTENT="track" WIDTH="53" HPOS="1082" VPOS="415" ID="st12-449"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1141" VPOS="415" ID="st12-450"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1169" VPOS="415" ID="st12-451"/><SP/><String HEIGHT="24" CONTENT="obligations" WIDTH="117" HPOS="1224" VPOS="415" ID="st12-452"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1347" VPOS="415" ID="st12-453"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1375" VPOS="415" ID="st12-454"/><SP/><String HEIGHT="24" CONTENT="cor" WIDTH="30" HPOS="1416" VPOS="415" ID="st12-455" SUBS_TYPE="HypPart1" SUBS_CONTENT="corporation"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="415" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="451" ID="tl12-49" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="poration" WIDTH="90" HPOS="858" VPOS="451" ID="st12-456" SUBS_TYPE="HypPart2" SUBS_CONTENT="corporation"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="954" VPOS="451" ID="st12-457"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1001" VPOS="451" ID="st12-458"/><SP/><String HEIGHT="24" CONTENT="long" WIDTH="47" HPOS="1031" VPOS="451" ID="st12-459"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="1078" VPOS="451" ID="st12-460"/><String HEIGHT="24" CONTENT="term" WIDTH="48" HPOS="1089" VPOS="451" ID="st12-461"/><SP/><String HEIGHT="24" CONTENT="shareholders" WIDTH="130" HPOS="1143" VPOS="451" ID="st12-462"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1273" VPOS="451" ID="st12-463"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="1291" VPOS="451" ID="st12-464"/><SP/><String HEIGHT="24" CONTENT="problems" WIDTH="98" HPOS="1358" VPOS="451" ID="st12-465"/></TextLine><TextLine HPOS="858" VPOS="488" ID="tl12-50" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="858" VPOS="488" ID="st12-466"/><SP/><String HEIGHT="23" CONTENT="compounded" WIDTH="142" HPOS="896" VPOS="488" ID="st12-467"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="1044" VPOS="488" ID="st12-468"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1075" VPOS="488" ID="st12-469"/><SP/><String HEIGHT="23" CONTENT="fact" WIDTH="41" HPOS="1115" VPOS="488" ID="st12-470"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1162" VPOS="488" ID="st12-471"/><SP/><String HEIGHT="23" CONTENT="directors" WIDTH="92" HPOS="1210" VPOS="488" ID="st12-472"/><SP/><String HEIGHT="23" CONTENT="rely" WIDTH="37" HPOS="1308" VPOS="488" ID="st12-473"/><SP/><String HEIGHT="23" CONTENT="heavily" WIDTH="73" HPOS="1350" VPOS="488" ID="st12-474"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="1428" VPOS="488" ID="st12-475"/></TextLine><TextLine HPOS="858" VPOS="524" ID="tl12-51" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="senior" WIDTH="64" HPOS="858" VPOS="524" ID="st12-476"/><SP/><String HEIGHT="23" CONTENT="management" WIDTH="141" HPOS="928" VPOS="524" ID="st12-477"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="1075" VPOS="524" ID="st12-478"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="48" HPOS="1112" VPOS="524" ID="st12-479"/><SP/><String HEIGHT="23" CONTENT="information" WIDTH="125" HPOS="1166" VPOS="524" ID="st12-480"/><SP/><String HEIGHT="23" CONTENT="about" WIDTH="63" HPOS="1297" VPOS="524" ID="st12-481"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1366" VPOS="524" ID="st12-482"/><SP/><String HEIGHT="23" CONTENT="firm" WIDTH="40" HPOS="1406" VPOS="524" ID="st12-483"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="1446" VPOS="524" ID="st12-484"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl12-52" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Additionally" WIDTH="120" HPOS="858" VPOS="560" ID="st12-485"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="978" VPOS="560" ID="st12-486"/><SP/><String HEIGHT="24" CONTENT="middle" WIDTH="72" HPOS="997" VPOS="560" ID="st12-487"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1078" VPOS="560" ID="st12-488"/><SP/><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="1127" VPOS="560" ID="st12-489"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="1199" VPOS="560" ID="st12-490"/><SP/><String HEIGHT="24" CONTENT="often" WIDTH="57" HPOS="1349" VPOS="560" ID="st12-491"/><SP/><String HEIGHT="24" CONTENT="lack" WIDTH="41" HPOS="1415" VPOS="560" ID="st12-492"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl12-53" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="incentives" WIDTH="104" HPOS="858" VPOS="596" ID="st12-493"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="968" VPOS="596" ID="st12-494"/><SP/><String HEIGHT="24" CONTENT="report" WIDTH="64" HPOS="997" VPOS="596" ID="st12-495"/><SP/><String HEIGHT="24" CONTENT="bad" WIDTH="40" HPOS="1068" VPOS="596" ID="st12-496"/><SP/><String HEIGHT="24" CONTENT="news" WIDTH="56" HPOS="1114" VPOS="596" ID="st12-497"/><SP/><String HEIGHT="24" CONTENT="up" WIDTH="28" HPOS="1176" VPOS="596" ID="st12-498"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1210" VPOS="596" ID="st12-499"/><SP/><String HEIGHT="24" CONTENT="chain" WIDTH="57" HPOS="1251" VPOS="596" ID="st12-500"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1314" VPOS="596" ID="st12-501"/><SP/><String HEIGHT="24" CONTENT="command" WIDTH="99" HPOS="1342" VPOS="596" ID="st12-502"/><String HEIGHT="24" CONTENT="," WIDTH="15" HPOS="1441" VPOS="596" ID="st12-503"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl12-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="632" ID="st12-504"/><SP/><String HEIGHT="24" CONTENT="instead" WIDTH="76" HPOS="910" VPOS="632" ID="st12-505"/><SP/><String HEIGHT="24" CONTENT="demonstrate" WIDTH="135" HPOS="998" VPOS="632" ID="st12-506"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1145" VPOS="632" ID="st12-507"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="1169" VPOS="632" ID="st12-508"/><SP/><String HEIGHT="24" CONTENT="bias" WIDTH="42" HPOS="1248" VPOS="632" ID="st12-509"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1301" VPOS="632" ID="st12-510"/><SP/><String HEIGHT="24" CONTENT="report" WIDTH="65" HPOS="1335" VPOS="632" ID="st12-511"/><SP/><String HEIGHT="24" CONTENT="only" WIDTH="44" HPOS="1412" VPOS="632" ID="st12-512"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl12-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="good" WIDTH="55" HPOS="858" VPOS="668" ID="st12-513"/><SP/><String HEIGHT="24" CONTENT="news" WIDTH="56" HPOS="923" VPOS="668" ID="st12-514"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="988" VPOS="668" ID="st12-515"/><String HEIGHT="24" CONTENT="Broughton" WIDTH="105" HPOS="999" VPOS="668" ID="st12-516"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1104" VPOS="668" ID="st12-517"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="1126" VPOS="668" ID="st12-518"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1172" VPOS="668" ID="st12-519"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1183" VPOS="668" ID="st12-520"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="1205" VPOS="668" ID="st12-521"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1234" VPOS="668" ID="st12-522"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1278" VPOS="668" ID="st12-523"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1288" VPOS="668" ID="st12-524"/><String HEIGHT="24" CONTENT="S" WIDTH="10" HPOS="1298" VPOS="668" ID="st12-525"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1308" VPOS="668" ID="st12-526"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1318" VPOS="668" ID="st12-527"/><SP/><String HEIGHT="24" CONTENT="managerial" WIDTH="118" HPOS="1338" VPOS="668" ID="st12-528"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl12-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="858" VPOS="704" ID="st12-529"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="976" VPOS="704" ID="st12-530"/><SP/><String HEIGHT="24" CONTENT="very" WIDTH="43" HPOS="1031" VPOS="704" ID="st12-531"/><SP/><String HEIGHT="24" CONTENT="weak" WIDTH="57" HPOS="1080" VPOS="704" ID="st12-532"/><SP/><String HEIGHT="24" CONTENT="protections" WIDTH="119" HPOS="1143" VPOS="704" ID="st12-533"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1267" VPOS="704" ID="st12-534"/><SP/><String HEIGHT="24" CONTENT="cases" WIDTH="56" HPOS="1292" VPOS="704" ID="st12-535"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1353" VPOS="704" ID="st12-536"/><SP/><String HEIGHT="24" CONTENT="higher" WIDTH="65" HPOS="1381" VPOS="704" ID="st12-537" SUBS_TYPE="HypPart1" SUBS_CONTENT="higherlevel"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="704" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl12-57" WIDTH="191" HEIGHT="24"><String HEIGHT="24" CONTENT="level" WIDTH="47" HPOS="858" VPOS="740" ID="st12-538" SUBS_TYPE="HypPart2" SUBS_CONTENT="higherlevel"/><SP/><String HEIGHT="24" CONTENT="wrongdoing" WIDTH="124" HPOS="912" VPOS="740" ID="st12-539"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="1036" VPOS="740" ID="st12-540"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl12-58" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="On" WIDTH="32" HPOS="858" VPOS="813" ID="st12-541"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="897" VPOS="813" ID="st12-542"/><SP/><String HEIGHT="23" CONTENT="other" WIDTH="57" HPOS="940" VPOS="813" ID="st12-543"/><SP/><String HEIGHT="23" CONTENT="hand" WIDTH="48" HPOS="1004" VPOS="813" ID="st12-544"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1052" VPOS="813" ID="st12-545"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1073" VPOS="813" ID="st12-546"/><SP/><String HEIGHT="23" CONTENT="nonsupervisory" WIDTH="160" HPOS="1115" VPOS="813" ID="st12-547"/><SP/><String HEIGHT="23" CONTENT="workforce" WIDTH="108" HPOS="1282" VPOS="813" ID="st12-548"/><SP/><String HEIGHT="23" CONTENT="tends" WIDTH="58" HPOS="1398" VPOS="813" ID="st12-549"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl12-59" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="858" VPOS="849" ID="st12-550"/><SP/><String HEIGHT="23" CONTENT="be" WIDTH="27" HPOS="891" VPOS="849" ID="st12-551"/><SP/><String HEIGHT="23" CONTENT="more" WIDTH="55" HPOS="929" VPOS="849" ID="st12-552"/><SP/><String HEIGHT="23" CONTENT="concerned" WIDTH="112" HPOS="996" VPOS="849" ID="st12-553"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="48" HPOS="1119" VPOS="849" ID="st12-554"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1178" VPOS="849" ID="st12-555"/><SP/><String HEIGHT="23" CONTENT="long" WIDTH="47" HPOS="1224" VPOS="849" ID="st12-556"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="1271" VPOS="849" ID="st12-557"/><String HEIGHT="23" CONTENT="term" WIDTH="48" HPOS="1282" VPOS="849" ID="st12-558"/><SP/><String HEIGHT="23" CONTENT="stability" WIDTH="81" HPOS="1342" VPOS="849" ID="st12-559"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="849" ID="st12-560"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl12-60" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="885" ID="st12-561"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="40" HPOS="902" VPOS="885" ID="st12-562"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="942" VPOS="885" ID="st12-563"/><SP/><String HEIGHT="24" CONTENT="particularly" WIDTH="116" HPOS="961" VPOS="885" ID="st12-564"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="52" HPOS="1087" VPOS="885" ID="st12-565"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="1139" VPOS="885" ID="st12-566"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="1162" VPOS="885" ID="st12-567"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1194" VPOS="885" ID="st12-568"/><SP/><String HEIGHT="24" CONTENT="typical" WIDTH="65" HPOS="1218" VPOS="885" ID="st12-569"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1283" VPOS="885" ID="st12-570"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1302" VPOS="885" ID="st12-571"/><SP/><String HEIGHT="24" CONTENT="bulk" WIDTH="46" HPOS="1346" VPOS="885" ID="st12-572"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1401" VPOS="885" ID="st12-573"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="1433" VPOS="885" ID="st12-574"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl12-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="858" VPOS="921" ID="st12-575"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1018" VPOS="921" ID="st12-576"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1043" VPOS="921" ID="st12-577"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1072" VPOS="921" ID="st12-578"/><SP/><String HEIGHT="24" CONTENT="form" WIDTH="51" HPOS="1117" VPOS="921" ID="st12-579"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1178" VPOS="921" ID="st12-580"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1210" VPOS="921" ID="st12-581"/><SP/><String HEIGHT="24" CONTENT="traditional" WIDTH="109" HPOS="1232" VPOS="921" ID="st12-582"/><SP/><String HEIGHT="24" CONTENT="paycheck" WIDTH="93" HPOS="1351" VPOS="921" ID="st12-583"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1444" VPOS="921" ID="st12-584"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl12-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="858" VPOS="957" ID="st12-585"/><SP/><String HEIGHT="24" CONTENT="addition" WIDTH="84" HPOS="888" VPOS="957" ID="st12-586"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="972" VPOS="957" ID="st12-587"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="994" VPOS="957" ID="st12-588"/><SP/><String HEIGHT="24" CONTENT="workforce" WIDTH="108" HPOS="1039" VPOS="957" ID="st12-589"/><SP/><String HEIGHT="24" CONTENT="tends" WIDTH="59" HPOS="1158" VPOS="957" ID="st12-590"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1228" VPOS="957" ID="st12-591"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="22" HPOS="1261" VPOS="957" ID="st12-592"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1283" VPOS="957" ID="st12-593"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="1305" VPOS="957" ID="st12-594"/><SP/><String HEIGHT="24" CONTENT="given" WIDTH="57" HPOS="1376" VPOS="957" ID="st12-595"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1444" VPOS="957" ID="st12-596"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl12-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="real" WIDTH="38" HPOS="858" VPOS="993" ID="st12-597"/><SP/><String HEIGHT="24" CONTENT="choice" WIDTH="64" HPOS="906" VPOS="993" ID="st12-598"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="970" VPOS="993" ID="st12-599"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="56" HPOS="990" VPOS="993" ID="st12-600"/><SP/><String HEIGHT="24" CONTENT="reluctant" WIDTH="94" HPOS="1055" VPOS="993" ID="st12-601"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1159" VPOS="993" ID="st12-602"/><SP/><String HEIGHT="24" CONTENT="cut" WIDTH="33" HPOS="1191" VPOS="993" ID="st12-603"/><SP/><String HEIGHT="24" CONTENT="corners" WIDTH="78" HPOS="1234" VPOS="993" ID="st12-604"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1322" VPOS="993" ID="st12-605"/><SP/><String HEIGHT="24" CONTENT="pursuit" WIDTH="73" HPOS="1351" VPOS="993" ID="st12-606"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="993" ID="st12-607"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl12-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="profit" WIDTH="58" HPOS="858" VPOS="1029" ID="st12-608"/><SP/><String HEIGHT="24" CONTENT="maximization" WIDTH="142" HPOS="923" VPOS="1029" ID="st12-609"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="48" HPOS="1073" VPOS="1029" ID="st12-610"/><SP/><String HEIGHT="24" CONTENT="managers" WIDTH="104" HPOS="1129" VPOS="1029" ID="st12-611"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1241" VPOS="1029" ID="st12-612"/><SP/><String HEIGHT="24" CONTENT="large" WIDTH="53" HPOS="1296" VPOS="1029" ID="st12-613"/><SP/><String HEIGHT="24" CONTENT="stock" WIDTH="55" HPOS="1357" VPOS="1029" ID="st12-614"/><SP/><String HEIGHT="24" CONTENT="op" WIDTH="24" HPOS="1420" VPOS="1029" ID="st12-615" SUBS_TYPE="HypPart1" SUBS_CONTENT="option"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1029" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl12-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tion" WIDTH="41" HPOS="858" VPOS="1065" ID="st12-616" SUBS_TYPE="HypPart2" SUBS_CONTENT="option"/><SP/><String HEIGHT="24" CONTENT="packages" WIDTH="93" HPOS="908" VPOS="1065" ID="st12-617"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1001" VPOS="1065" ID="st12-618"/><SP/><String HEIGHT="24" CONTENT="With" WIDTH="52" HPOS="1022" VPOS="1065" ID="st12-619"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1082" VPOS="1065" ID="st12-620"/><SP/><String HEIGHT="24" CONTENT="protection" WIDTH="109" HPOS="1126" VPOS="1065" ID="st12-621"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1243" VPOS="1065" ID="st12-622"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1274" VPOS="1065" ID="st12-623"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="56" HPOS="1295" VPOS="1065" ID="st12-624"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1351" VPOS="1065" ID="st12-625"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1371" VPOS="1065" ID="st12-626"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl12-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="858" VPOS="1101" ID="st12-627"/><SP/><String HEIGHT="24" CONTENT="safely" WIDTH="60" HPOS="907" VPOS="1101" ID="st12-628"/><SP/><String HEIGHT="24" CONTENT="report" WIDTH="65" HPOS="979" VPOS="1101" ID="st12-629"/><SP/><String HEIGHT="24" CONTENT="questionable" WIDTH="137" HPOS="1055" VPOS="1101" ID="st12-630"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="94" HPOS="1204" VPOS="1101" ID="st12-631"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1309" VPOS="1101" ID="st12-632"/><SP/><String HEIGHT="24" CONTENT="potential" WIDTH="95" HPOS="1361" VPOS="1101" ID="st12-633"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl12-67" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="legal" WIDTH="50" HPOS="858" VPOS="1138" ID="st12-634"/><SP/><String HEIGHT="23" CONTENT="violations" WIDTH="97" HPOS="918" VPOS="1138" ID="st12-635"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1015" VPOS="1138" ID="st12-636"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1035" VPOS="1138" ID="st12-637"/><SP/><String HEIGHT="23" CONTENT="flag" WIDTH="40" HPOS="1086" VPOS="1138" ID="st12-638"/><SP/><String HEIGHT="23" CONTENT="potential" WIDTH="95" HPOS="1136" VPOS="1138" ID="st12-639"/><SP/><String HEIGHT="23" CONTENT="problems" WIDTH="93" HPOS="1241" VPOS="1138" ID="st12-640"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1334" VPOS="1138" ID="st12-641"/><SP/><String HEIGHT="23" CONTENT="especially" WIDTH="100" HPOS="1356" VPOS="1138" ID="st12-642"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl12-68" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="858" VPOS="1174" ID="st12-643"/><SP/><String HEIGHT="23" CONTENT="working" WIDTH="87" HPOS="887" VPOS="1174" ID="st12-644"/><SP/><String HEIGHT="23" CONTENT="environments" WIDTH="144" HPOS="983" VPOS="1174" ID="st12-645"/><SP/><String HEIGHT="23" CONTENT="where" WIDTH="66" HPOS="1137" VPOS="1174" ID="st12-646"/><SP/><String HEIGHT="23" CONTENT="there" WIDTH="55" HPOS="1212" VPOS="1174" ID="st12-647"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1277" VPOS="1174" ID="st12-648"/><SP/><String HEIGHT="23" CONTENT="bad" WIDTH="40" HPOS="1319" VPOS="1174" ID="st12-649"/><SP/><String HEIGHT="23" CONTENT="working" WIDTH="87" HPOS="1369" VPOS="1174" ID="st12-650"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl12-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="conditions" WIDTH="110" HPOS="858" VPOS="1210" ID="st12-651"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="976" VPOS="1210" ID="st12-652"/><SP/><String HEIGHT="24" CONTENT="poor" WIDTH="50" HPOS="1024" VPOS="1210" ID="st12-653"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="31" HPOS="1082" VPOS="1210" ID="st12-654"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1113" VPOS="1210" ID="st12-655"/><SP/><String HEIGHT="24" CONTENT="A" WIDTH="17" HPOS="1132" VPOS="1210" ID="st12-656"/><SP/><String HEIGHT="24" CONTENT="grievance" WIDTH="101" HPOS="1157" VPOS="1210" ID="st12-657"/><SP/><String HEIGHT="24" CONTENT="procedure" WIDTH="107" HPOS="1267" VPOS="1210" ID="st12-658"/><SP/><String HEIGHT="24" CONTENT="affords" WIDTH="74" HPOS="1382" VPOS="1210" ID="st12-659"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl12-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="858" VPOS="1246" ID="st12-660"/><SP/><String HEIGHT="24" CONTENT="due" WIDTH="40" HPOS="954" VPOS="1246" ID="st12-661"/><SP/><String HEIGHT="24" CONTENT="process" WIDTH="79" HPOS="1005" VPOS="1246" ID="st12-662"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1095" VPOS="1246" ID="st12-663"/><SP/><String HEIGHT="24" CONTENT="dispute" WIDTH="78" HPOS="1147" VPOS="1246" ID="st12-664"/><SP/><String HEIGHT="24" CONTENT="mechanisms" WIDTH="125" HPOS="1236" VPOS="1246" ID="st12-665"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1361" VPOS="1246" ID="st12-666"/><SP/><String HEIGHT="24" CONTENT="should" WIDTH="71" HPOS="1385" VPOS="1246" ID="st12-667"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl12-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="retaliation" WIDTH="107" HPOS="858" VPOS="1282" ID="st12-668"/><SP/><String HEIGHT="24" CONTENT="occur" WIDTH="52" HPOS="979" VPOS="1282" ID="st12-669"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1031" VPOS="1282" ID="st12-670"/><SP/><String HEIGHT="24" CONTENT="Even" WIDTH="50" HPOS="1056" VPOS="1282" ID="st12-671"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="56" HPOS="1120" VPOS="1282" ID="st12-672"/><SP/><String HEIGHT="24" CONTENT="importantly" WIDTH="117" HPOS="1189" VPOS="1282" ID="st12-673"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1306" VPOS="1282" ID="st12-674"/><SP/><String HEIGHT="24" CONTENT="pressure" WIDTH="89" HPOS="1331" VPOS="1282" ID="st12-675"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1433" VPOS="1282" ID="st12-676"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl12-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="engage" WIDTH="79" HPOS="858" VPOS="1318" ID="st12-677"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="944" VPOS="1318" ID="st12-678"/><SP/><String HEIGHT="24" CONTENT="questionable" WIDTH="136" HPOS="971" VPOS="1318" ID="st12-679"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1114" VPOS="1318" ID="st12-680"/><SP/><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="1143" VPOS="1318" ID="st12-681"/><SP/><String HEIGHT="24" CONTENT="fraudulent" WIDTH="111" HPOS="1200" VPOS="1318" ID="st12-682"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="93" HPOS="1319" VPOS="1318" ID="st12-683"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="1419" VPOS="1318" ID="st12-684"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl12-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="858" VPOS="1354" ID="st12-685"/><SP/><String HEIGHT="24" CONTENT="directly" WIDTH="76" HPOS="892" VPOS="1354" ID="st12-686"/><SP/><String HEIGHT="24" CONTENT="challenged" WIDTH="116" HPOS="975" VPOS="1354" ID="st12-687"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="1098" VPOS="1354" ID="st12-688"/><SP/><String HEIGHT="24" CONTENT="protection" WIDTH="110" HPOS="1153" VPOS="1354" ID="st12-689"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1270" VPOS="1354" ID="st12-690"/><SP/><String HEIGHT="24" CONTENT="discipline" WIDTH="97" HPOS="1329" VPOS="1354" ID="st12-691"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1434" VPOS="1354" ID="st12-692"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl12-74" WIDTH="130" HEIGHT="24"><String HEIGHT="24" CONTENT="termination" WIDTH="119" HPOS="858" VPOS="1390" ID="st12-693"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="977" VPOS="1390" ID="st12-694"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl12-75" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="Traditional" WIDTH="110" HPOS="858" VPOS="1463" ID="st12-695"/><SP/><String HEIGHT="23" CONTENT="economic" WIDTH="103" HPOS="975" VPOS="1463" ID="st12-696"/><SP/><String HEIGHT="23" CONTENT="analysis" WIDTH="81" HPOS="1085" VPOS="1463" ID="st12-697"/><SP/><String HEIGHT="23" CONTENT="regarding" WIDTH="102" HPOS="1173" VPOS="1463" ID="st12-698"/><SP/><String HEIGHT="23" CONTENT="unionized" WIDTH="104" HPOS="1282" VPOS="1463" ID="st12-699"/><SP/><String HEIGHT="23" CONTENT="work" WIDTH="50" HPOS="1394" VPOS="1463" ID="st12-700" SUBS_TYPE="HypPart1" SUBS_CONTENT="workers"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1463" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl12-76" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="ers" WIDTH="30" HPOS="858" VPOS="1499" ID="st12-701" SUBS_TYPE="HypPart2" SUBS_CONTENT="workers"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="897" VPOS="1499" ID="st12-702"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="925" VPOS="1499" ID="st12-703"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="88" HPOS="969" VPOS="1499" ID="st12-704"/><SP/><String HEIGHT="23" CONTENT="sector" WIDTH="64" HPOS="1066" VPOS="1499" ID="st12-705"/><SP/><String HEIGHT="23" CONTENT="has" WIDTH="36" HPOS="1139" VPOS="1499" ID="st12-706"/><SP/><String HEIGHT="23" CONTENT="focused" WIDTH="84" HPOS="1183" VPOS="1499" ID="st12-707"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="1275" VPOS="1499" ID="st12-708"/><SP/><String HEIGHT="23" CONTENT="three" WIDTH="55" HPOS="1312" VPOS="1499" ID="st12-709"/><SP/><String HEIGHT="23" CONTENT="primary" WIDTH="80" HPOS="1376" VPOS="1499" ID="st12-710"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl12-77" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="858" VPOS="1535" ID="st12-711"/><String HEIGHT="24" CONTENT="negative" WIDTH="85" HPOS="868" VPOS="1535" ID="st12-712"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="953" VPOS="1535" ID="st12-713"/><SP/><String HEIGHT="24" CONTENT="impacts" WIDTH="78" HPOS="981" VPOS="1535" ID="st12-714"/><String HEIGHT="24" CONTENT=":" WIDTH="12" HPOS="1059" VPOS="1535" ID="st12-715"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="1088" VPOS="1535" ID="st12-716"/><String HEIGHT="24" CONTENT="1" WIDTH="9" HPOS="1097" VPOS="1535" ID="st12-717"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="1106" VPOS="1535" ID="st12-718"/><SP/><String HEIGHT="24" CONTENT="increased" WIDTH="101" HPOS="1134" VPOS="1535" ID="st12-719"/><SP/><String HEIGHT="24" CONTENT="wages" WIDTH="69" HPOS="1252" VPOS="1535" ID="st12-720"/><SP/><String HEIGHT="24" CONTENT="leading" WIDTH="79" HPOS="1338" VPOS="1535" ID="st12-721"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1434" VPOS="1535" ID="st12-722"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl12-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="diminished" WIDTH="115" HPOS="858" VPOS="1571" ID="st12-723"/><SP/><String HEIGHT="24" CONTENT="returns" WIDTH="75" HPOS="985" VPOS="1571" ID="st12-724"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1071" VPOS="1571" ID="st12-725"/><SP/><String HEIGHT="24" CONTENT="shareholders" WIDTH="135" HPOS="1104" VPOS="1571" ID="st12-726"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1250" VPOS="1571" ID="st12-727"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="1302" VPOS="1571" ID="st12-728"/><SP/><String HEIGHT="24" CONTENT="increase" WIDTH="86" HPOS="1340" VPOS="1571" ID="st12-729"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="1571" ID="st12-730"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl12-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1607" ID="st12-731"/><SP/><String HEIGHT="24" CONTENT="cost" WIDTH="43" HPOS="903" VPOS="1607" ID="st12-732"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="957" VPOS="1607" ID="st12-733"/><SP/><String HEIGHT="24" CONTENT="finance" WIDTH="74" HPOS="989" VPOS="1607" ID="st12-734"/><String HEIGHT="24" CONTENT=";" WIDTH="11" HPOS="1063" VPOS="1607" ID="st12-735"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="1085" VPOS="1607" ID="st12-736"/><String HEIGHT="24" CONTENT="2" WIDTH="9" HPOS="1094" VPOS="1607" ID="st12-737"/><String HEIGHT="24" CONTENT=")" WIDTH="9" HPOS="1103" VPOS="1607" ID="st12-738"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="1123" VPOS="1607" ID="st12-739"/><SP/><String HEIGHT="24" CONTENT="alignment" WIDTH="107" HPOS="1160" VPOS="1607" ID="st12-740"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1277" VPOS="1607" ID="st12-741"/><SP/><String HEIGHT="24" CONTENT="interests" WIDTH="88" HPOS="1310" VPOS="1607" ID="st12-742"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1409" VPOS="1607" ID="st12-743"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl12-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="858" VPOS="1643" ID="st12-744"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="1006" VPOS="1643" ID="st12-745"/><SP/><String HEIGHT="24" CONTENT="respect" WIDTH="76" HPOS="1061" VPOS="1643" ID="st12-746"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1144" VPOS="1643" ID="st12-747"/><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="1173" VPOS="1643" ID="st12-748"/><String HEIGHT="24" CONTENT="empire" WIDTH="75" HPOS="1185" VPOS="1643" ID="st12-749"/><SP/><String HEIGHT="24" CONTENT="building" WIDTH="85" HPOS="1267" VPOS="1643" ID="st12-750"/><String HEIGHT="24" CONTENT="«" WIDTH="11" HPOS="1352" VPOS="1643" ID="st12-751"/><String HEIGHT="24" CONTENT=";" WIDTH="11" HPOS="1363" VPOS="1643" ID="st12-752"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1381" VPOS="1643" ID="st12-753"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="1428" VPOS="1643" ID="st12-754"/><String HEIGHT="24" CONTENT="3" WIDTH="9" HPOS="1437" VPOS="1643" ID="st12-755"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="1446" VPOS="1643" ID="st12-756"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl12-81" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="858" VPOS="1679" ID="st12-757"/><SP/><String HEIGHT="24" CONTENT="resistance" WIDTH="103" HPOS="878" VPOS="1679" ID="st12-758"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="989" VPOS="1679" ID="st12-759"/><SP/><String HEIGHT="24" CONTENT="innovation" WIDTH="109" HPOS="1018" VPOS="1679" ID="st12-760"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1127" VPOS="1679" ID="st12-761"/><SP/><String HEIGHT="24" CONTENT="However" WIDTH="86" HPOS="1145" VPOS="1679" ID="st12-762"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1231" VPOS="1679" ID="st12-763"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1251" VPOS="1679" ID="st12-764"/><SP/><String HEIGHT="24" CONTENT="combination" WIDTH="134" HPOS="1293" VPOS="1679" ID="st12-765"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="1679" ID="st12-766"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl12-82" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1715" ID="st12-767"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="898" VPOS="1715" ID="st12-768"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="943" VPOS="1715" ID="st12-769"/><SP/><String HEIGHT="24" CONTENT="equity" WIDTH="65" HPOS="971" VPOS="1715" ID="st12-770"/><SP/><String HEIGHT="24" CONTENT="incentives" WIDTH="104" HPOS="1042" VPOS="1715" ID="st12-771"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1151" VPOS="1715" ID="st12-772"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1176" VPOS="1715" ID="st12-773"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="56" HPOS="1216" VPOS="1715" ID="st12-774"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1277" VPOS="1715" ID="st12-775"/><SP/><String HEIGHT="24" CONTENT="collapse" WIDTH="85" HPOS="1371" VPOS="1715" ID="st12-776"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl12-83" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1751" ID="st12-777"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="904" VPOS="1751" ID="st12-778"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="39" HPOS="945" VPOS="1751" ID="st12-779"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="990" VPOS="1751" ID="st12-780"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="1018" VPOS="1751" ID="st12-781"/><SP/><String HEIGHT="24" CONTENT="goals" WIDTH="56" HPOS="1074" VPOS="1751" ID="st12-782"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1136" VPOS="1751" ID="st12-783"/><SP/><String HEIGHT="24" CONTENT="incentive" WIDTH="94" HPOS="1182" VPOS="1751" ID="st12-784"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="38" HPOS="1282" VPOS="1751" ID="st12-785"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1326" VPOS="1751" ID="st12-786"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1351" VPOS="1751" ID="st12-787"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="55" HPOS="1391" VPOS="1751" ID="st12-788" SUBS_TYPE="HypPart1" SUBS_CONTENT="WellsFargo"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1751" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl12-84" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="Fargo" WIDTH="59" HPOS="858" VPOS="1788" ID="st12-789" SUBS_TYPE="HypPart2" SUBS_CONTENT="WellsFargo"/><SP/><String HEIGHT="23" CONTENT="scandal" WIDTH="79" HPOS="923" VPOS="1788" ID="st12-790"/><SP/><String HEIGHT="23" CONTENT="suggest" WIDTH="82" HPOS="1008" VPOS="1788" ID="st12-791"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1096" VPOS="1788" ID="st12-792"/><SP/><String HEIGHT="23" CONTENT="this" WIDTH="38" HPOS="1144" VPOS="1788" ID="st12-793"/><SP/><String HEIGHT="23" CONTENT="traditional" WIDTH="108" HPOS="1188" VPOS="1788" ID="st12-794"/><SP/><String HEIGHT="23" CONTENT="view" WIDTH="48" HPOS="1302" VPOS="1788" ID="st12-795"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="15" HPOS="1356" VPOS="1788" ID="st12-796"/><SP/><String HEIGHT="23" CONTENT="missing" WIDTH="79" HPOS="1377" VPOS="1788" ID="st12-797"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl12-85" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1824" ID="st12-798"/><SP/><String HEIGHT="23" CONTENT="mark" WIDTH="49" HPOS="899" VPOS="1824" ID="st12-799"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="948" VPOS="1824" ID="st12-800"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="967" VPOS="1824" ID="st12-801"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1015" VPOS="1824" ID="st12-802"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1065" VPOS="1824" ID="st12-803"/><SP/><String HEIGHT="23" CONTENT="particular" WIDTH="100" HPOS="1091" VPOS="1824" ID="st12-804"/><SP/><String HEIGHT="23" CONTENT="it" WIDTH="14" HPOS="1198" VPOS="1824" ID="st12-805"/><SP/><String HEIGHT="23" CONTENT="misses" WIDTH="68" HPOS="1219" VPOS="1824" ID="st12-806"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1294" VPOS="1824" ID="st12-807"/><SP/><String HEIGHT="23" CONTENT="question" WIDTH="92" HPOS="1335" VPOS="1824" ID="st12-808"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="1824" ID="st12-809"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl12-86" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1860" ID="st12-810"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="39" HPOS="898" VPOS="1860" ID="st12-811"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="42" HPOS="943" VPOS="1860" ID="st12-812"/><SP/><String HEIGHT="24" CONTENT="collective" WIDTH="96" HPOS="991" VPOS="1860" ID="st12-813"/><SP/><String HEIGHT="24" CONTENT="bargaining" WIDTH="114" HPOS="1092" VPOS="1860" ID="st12-814"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1211" VPOS="1860" ID="st12-815"/><SP/><String HEIGHT="24" CONTENT="protections" WIDTH="119" HPOS="1256" VPOS="1860" ID="st12-816"/><SP/><String HEIGHT="24" CONTENT="against" WIDTH="76" HPOS="1380" VPOS="1860" ID="st12-817"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl12-87" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="retaliation" WIDTH="106" HPOS="858" VPOS="1896" ID="st12-818"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="976" VPOS="1896" ID="st12-819"/><SP/><String HEIGHT="24" CONTENT="play" WIDTH="44" HPOS="1024" VPOS="1896" ID="st12-820"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1079" VPOS="1896" ID="st12-821"/><SP/><String HEIGHT="24" CONTENT="shaping" WIDTH="84" HPOS="1109" VPOS="1896" ID="st12-822"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1204" VPOS="1896" ID="st12-823"/><SP/><String HEIGHT="24" CONTENT="overall" WIDTH="70" HPOS="1250" VPOS="1896" ID="st12-824"/><SP/><String HEIGHT="24" CONTENT="behavior" WIDTH="92" HPOS="1331" VPOS="1896" ID="st12-825"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="1896" ID="st12-826"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl12-88" WIDTH="440" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="858" VPOS="1932" ID="st12-827"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="116" HPOS="954" VPOS="1932" ID="st12-828"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1077" VPOS="1932" ID="st12-829"/><SP/><String HEIGHT="24" CONTENT="regulated" WIDTH="101" HPOS="1106" VPOS="1932" ID="st12-830"/><SP/><String HEIGHT="24" CONTENT="entities" WIDTH="74" HPOS="1214" VPOS="1932" ID="st12-831"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1288" VPOS="1932" ID="st12-832"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl12-89" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="11" WIDTH="32" HPOS="810" VPOS="2254" ID="st12-833"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="13" ID="p840452" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840452" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840452" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl13-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st13-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st13-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st13-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st13-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st13-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st13-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st13-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st13-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st13-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st13-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st13-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st13-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st13-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st13-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st13-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st13-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st13-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st13-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st13-18"/></TextLine><TextLine HPOS="424" VPOS="305" ID="tl13-1" WIDTH="371" HEIGHT="26"><String HEIGHT="26" CONTENT="Bargaining" WIDTH="127" HPOS="424" VPOS="305" ID="st13-19"/><SP/><String HEIGHT="26" CONTENT="Over" WIDTH="55" HPOS="559" VPOS="305" ID="st13-20"/><SP/><String HEIGHT="26" CONTENT="Compensation" WIDTH="173" HPOS="622" VPOS="305" ID="st13-21"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl13-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="196" VPOS="379" ID="st13-22"/><SP/><String HEIGHT="24" CONTENT="ability" WIDTH="63" HPOS="242" VPOS="379" ID="st13-23"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="312" VPOS="379" ID="st13-24"/><SP/><String HEIGHT="24" CONTENT="bargain" WIDTH="81" HPOS="341" VPOS="379" ID="st13-25"/><SP/><String HEIGHT="24" CONTENT="collectively" WIDTH="114" HPOS="429" VPOS="379" ID="st13-26"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="550" VPOS="379" ID="st13-27"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="603" VPOS="379" ID="st13-28"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="760" VPOS="379" ID="st13-29"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="782" VPOS="379" ID="st13-30"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl13-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="core" WIDTH="45" HPOS="196" VPOS="415" ID="st13-31"/><SP/><String HEIGHT="24" CONTENT="component" WIDTH="121" HPOS="247" VPOS="415" ID="st13-32"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="373" VPOS="415" ID="st13-33"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="400" VPOS="415" ID="st13-34"/><SP/><String HEIGHT="24" CONTENT="representation" WIDTH="148" HPOS="466" VPOS="415" ID="st13-35"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="614" VPOS="415" ID="st13-36"/><SP/><String HEIGHT="24" CONTENT="As" WIDTH="27" HPOS="630" VPOS="415" ID="st13-37"/><SP/><String HEIGHT="24" CONTENT="illustrated" WIDTH="103" HPOS="662" VPOS="415" ID="st13-38"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="770" VPOS="415" ID="st13-39"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl13-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="451" ID="st13-40"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="56" HPOS="239" VPOS="451" ID="st13-41"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="60" HPOS="302" VPOS="451" ID="st13-42"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="45" HPOS="370" VPOS="451" ID="st13-43"/><SP/><String HEIGHT="24" CONTENT="study" WIDTH="57" HPOS="423" VPOS="451" ID="st13-44"/><SP/><String HEIGHT="24" CONTENT="above" WIDTH="59" HPOS="487" VPOS="451" ID="st13-45"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="546" VPOS="451" ID="st13-46"/><SP/><String HEIGHT="24" CONTENT="coercive" WIDTH="85" HPOS="566" VPOS="451" ID="st13-47"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="659" VPOS="451" ID="st13-48"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl13-5" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="incentives" WIDTH="105" HPOS="196" VPOS="488" ID="st13-49"/><SP/><String HEIGHT="23" CONTENT="can" WIDTH="37" HPOS="312" VPOS="488" ID="st13-50"/><SP/><String HEIGHT="23" CONTENT="pose" WIDTH="50" HPOS="360" VPOS="488" ID="st13-51"/><SP/><String HEIGHT="23" CONTENT="serious" WIDTH="74" HPOS="421" VPOS="488" ID="st13-52"/><SP/><String HEIGHT="23" CONTENT="risks" WIDTH="46" HPOS="506" VPOS="488" ID="st13-53"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="563" VPOS="488" ID="st13-54"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="596" VPOS="488" ID="st13-55"/><SP/><String HEIGHT="23" CONTENT="firm" WIDTH="40" HPOS="642" VPOS="488" ID="st13-56"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="682" VPOS="488" ID="st13-57"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="80" HPOS="703" VPOS="488" ID="st13-58"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="783" VPOS="488" ID="st13-59"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl13-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="consumers" WIDTH="108" HPOS="196" VPOS="524" ID="st13-60"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="304" VPOS="524" ID="st13-61"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="326" VPOS="524" ID="st13-62"/><SP/><String HEIGHT="23" CONTENT="shareholder" WIDTH="125" HPOS="375" VPOS="524" ID="st13-63"/><SP/><String HEIGHT="23" CONTENT="value" WIDTH="51" HPOS="509" VPOS="524" ID="st13-64"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="560" VPOS="524" ID="st13-65"/><SP/><String HEIGHT="23" CONTENT="Some" WIDTH="60" HPOS="580" VPOS="524" ID="st13-66"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="648" VPOS="524" ID="st13-67"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="710" VPOS="524" ID="st13-68"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl13-7" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="interviewed" WIDTH="124" HPOS="196" VPOS="560" ID="st13-69"/><SP/><String HEIGHT="24" CONTENT="recently" WIDTH="83" HPOS="329" VPOS="560" ID="st13-70"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="422" VPOS="560" ID="st13-71"/><SP/><String HEIGHT="24" CONTENT="reported" WIDTH="92" HPOS="481" VPOS="560" ID="st13-72"/><SP/><String HEIGHT="24" CONTENT="receiving" WIDTH="94" HPOS="582" VPOS="560" ID="st13-73"/><SP/><String HEIGHT="24" CONTENT="up" WIDTH="27" HPOS="686" VPOS="560" ID="st13-74"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="723" VPOS="560" ID="st13-75"/><SP/><String HEIGHT="24" CONTENT="half" WIDTH="40" HPOS="755" VPOS="560" ID="st13-76"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl13-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="196" VPOS="596" ID="st13-77"/><SP/><String HEIGHT="24" CONTENT="annual" WIDTH="72" HPOS="253" VPOS="596" ID="st13-78"/><SP/><String HEIGHT="24" CONTENT="income" WIDTH="77" HPOS="334" VPOS="596" ID="st13-79"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="420" VPOS="596" ID="st13-80"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="447" VPOS="596" ID="st13-81"/><SP/><String HEIGHT="24" CONTENT="form" WIDTH="51" HPOS="490" VPOS="596" ID="st13-82"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="550" VPOS="596" ID="st13-83"/><SP/><String HEIGHT="24" CONTENT="incentives" WIDTH="113" HPOS="580" VPOS="596" ID="st13-84"/><String HEIGHT="24" CONTENT="—" WIDTH="11" HPOS="693" VPOS="596" ID="st13-85"/><String HEIGHT="24" CONTENT="creating" WIDTH="91" HPOS="704" VPOS="596" ID="st13-86"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl13-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="196" VPOS="632" ID="st13-87"/><SP/><String HEIGHT="24" CONTENT="disturbing" WIDTH="107" HPOS="219" VPOS="632" ID="st13-88"/><SP/><String HEIGHT="24" CONTENT="dynamic" WIDTH="89" HPOS="336" VPOS="632" ID="st13-89"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="435" VPOS="632" ID="st13-90"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="464" VPOS="632" ID="st13-91"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="538" VPOS="632" ID="st13-92"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="633" VPOS="632" ID="st13-93"/><SP/><String HEIGHT="24" CONTENT="forced" WIDTH="68" HPOS="695" VPOS="632" ID="st13-94"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="773" VPOS="632" ID="st13-95"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl13-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="choose" WIDTH="75" HPOS="196" VPOS="668" ID="st13-96"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="93" HPOS="280" VPOS="668" ID="st13-97"/><SP/><String HEIGHT="24" CONTENT="providing" WIDTH="100" HPOS="382" VPOS="668" ID="st13-98"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="42" HPOS="491" VPOS="668" ID="st13-99"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="533" VPOS="668" ID="st13-100"/><String HEIGHT="24" CONTENT="quality" WIDTH="74" HPOS="543" VPOS="668" ID="st13-101"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="626" VPOS="668" ID="st13-102"/><SP/><String HEIGHT="24" CONTENT="responsible" WIDTH="119" HPOS="676" VPOS="668" ID="st13-103"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl13-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="service" WIDTH="72" HPOS="196" VPOS="704" ID="st13-104"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="279" VPOS="704" ID="st13-105"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="313" VPOS="704" ID="st13-106"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="109" HPOS="373" VPOS="704" ID="st13-107"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="494" VPOS="704" ID="st13-108"/><SP/><String HEIGHT="24" CONTENT="making" WIDTH="79" HPOS="546" VPOS="704" ID="st13-109"/><SP/><String HEIGHT="24" CONTENT="ends" WIDTH="50" HPOS="637" VPOS="704" ID="st13-110"/><SP/><String HEIGHT="24" CONTENT="meet" WIDTH="55" HPOS="698" VPOS="704" ID="st13-111"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="764" VPOS="704" ID="st13-112"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl13-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="196" VPOS="740" ID="st13-113"/><SP/><String HEIGHT="24" CONTENT="own" WIDTH="47" HPOS="251" VPOS="740" ID="st13-114"/><SP/><String HEIGHT="24" CONTENT="families" WIDTH="77" HPOS="304" VPOS="740" ID="st13-115"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="381" VPOS="740" ID="st13-116"/><SP/><String HEIGHT="24" CONTENT="Yet" WIDTH="33" HPOS="397" VPOS="740" ID="st13-117"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="436" VPOS="740" ID="st13-118"/><SP/><String HEIGHT="24" CONTENT="appears" WIDTH="83" HPOS="456" VPOS="740" ID="st13-119"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="545" VPOS="740" ID="st13-120"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="700" VPOS="740" ID="st13-121"/><SP/><String HEIGHT="24" CONTENT="many" WIDTH="59" HPOS="736" VPOS="740" ID="st13-122"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl13-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="196" VPOS="776" ID="st13-123"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="206" VPOS="776" ID="st13-124"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="217" VPOS="776" ID="st13-125"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="228" VPOS="776" ID="st13-126"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="248" VPOS="776" ID="st13-127"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="309" VPOS="776" ID="st13-128"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="402" VPOS="776" ID="st13-129"/><SP/><String HEIGHT="24" CONTENT="still" WIDTH="35" HPOS="425" VPOS="776" ID="st13-130"/><SP/><String HEIGHT="24" CONTENT="supplemented" WIDTH="152" HPOS="468" VPOS="776" ID="st13-131"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="628" VPOS="776" ID="st13-132"/><SP/><String HEIGHT="24" CONTENT="potentially" WIDTH="111" HPOS="684" VPOS="776" ID="st13-133"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl13-14" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="perverse" WIDTH="89" HPOS="196" VPOS="813" ID="st13-134"/><SP/><String HEIGHT="23" CONTENT="incentives" WIDTH="100" HPOS="291" VPOS="813" ID="st13-135"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="391" VPOS="813" ID="st13-136"/><SP/><String HEIGHT="23" CONTENT="Recent" WIDTH="72" HPOS="408" VPOS="813" ID="st13-137"/><SP/><String HEIGHT="23" CONTENT="interviews" WIDTH="107" HPOS="486" VPOS="813" ID="st13-138"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="48" HPOS="598" VPOS="813" ID="st13-139"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="651" VPOS="813" ID="st13-140"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="710" VPOS="813" ID="st13-141"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl13-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="196" VPOS="849" ID="st13-142"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="225" VPOS="849" ID="st13-143"/><SP/><String HEIGHT="23" CONTENT="U" WIDTH="10" HPOS="269" VPOS="849" ID="st13-144"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="279" VPOS="849" ID="st13-145"/><String HEIGHT="23" CONTENT="S" WIDTH="11" HPOS="290" VPOS="849" ID="st13-146"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="301" VPOS="849" ID="st13-147"/><SP/><String HEIGHT="23" CONTENT="suggest" WIDTH="82" HPOS="321" VPOS="849" ID="st13-148"/><SP/><String HEIGHT="23" CONTENT="significant" WIDTH="108" HPOS="412" VPOS="849" ID="st13-149"/><SP/><String HEIGHT="23" CONTENT="instability" WIDTH="100" HPOS="529" VPOS="849" ID="st13-150"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="639" VPOS="849" ID="st13-151"/><SP/><String HEIGHT="23" CONTENT="regard" WIDTH="68" HPOS="695" VPOS="849" ID="st13-152"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="773" VPOS="849" ID="st13-153"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl13-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="compensation" WIDTH="151" HPOS="196" VPOS="885" ID="st13-154"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="361" VPOS="885" ID="st13-155"/><SP/><String HEIGHT="24" CONTENT="incentive" WIDTH="95" HPOS="414" VPOS="885" ID="st13-156"/><SP/><String HEIGHT="24" CONTENT="payment" WIDTH="94" HPOS="522" VPOS="885" ID="st13-157"/><SP/><String HEIGHT="24" CONTENT="systems" WIDTH="83" HPOS="629" VPOS="885" ID="st13-158"/><SP/><String HEIGHT="24" CONTENT="overall" WIDTH="70" HPOS="725" VPOS="885" ID="st13-159"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl13-17" WIDTH="200" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="196" VPOS="921" ID="st13-160"/><String HEIGHT="24" CONTENT="Christman" WIDTH="101" HPOS="207" VPOS="921" ID="st13-161"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="308" VPOS="921" ID="st13-162"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="327" VPOS="921" ID="st13-163"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="373" VPOS="921" ID="st13-164"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="384" VPOS="921" ID="st13-165"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl13-18" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Through" WIDTH="91" HPOS="196" VPOS="993" ID="st13-166"/><SP/><String HEIGHT="24" CONTENT="formal" WIDTH="70" HPOS="300" VPOS="993" ID="st13-167"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="383" VPOS="993" ID="st13-168"/><SP/><String HEIGHT="24" CONTENT="relations" WIDTH="88" HPOS="450" VPOS="993" ID="st13-169"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="538" VPOS="993" ID="st13-170"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="561" VPOS="993" ID="st13-171"/><SP/><String HEIGHT="24" CONTENT="negotiate" WIDTH="102" HPOS="645" VPOS="993" ID="st13-172"/><SP/><String HEIGHT="24" CONTENT="fair" WIDTH="35" HPOS="760" VPOS="993" ID="st13-173"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl13-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1029" ID="st13-174"/><SP/><String HEIGHT="24" CONTENT="equitable" WIDTH="98" HPOS="247" VPOS="1029" ID="st13-175"/><SP/><String HEIGHT="24" CONTENT="payment" WIDTH="93" HPOS="355" VPOS="1029" ID="st13-176"/><SP/><String HEIGHT="24" CONTENT="systems" WIDTH="77" HPOS="458" VPOS="1029" ID="st13-177"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="535" VPOS="1029" ID="st13-178"/><SP/><String HEIGHT="24" CONTENT="Collective" WIDTH="103" HPOS="557" VPOS="1029" ID="st13-179"/><SP/><String HEIGHT="24" CONTENT="agreements" WIDTH="125" HPOS="670" VPOS="1029" ID="st13-180"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl13-20" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="generally" WIDTH="97" HPOS="196" VPOS="1065" ID="st13-181"/><SP/><String HEIGHT="24" CONTENT="increase" WIDTH="86" HPOS="307" VPOS="1065" ID="st13-182"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="407" VPOS="1065" ID="st13-183"/><SP/><String HEIGHT="24" CONTENT="stabilize" WIDTH="85" HPOS="461" VPOS="1065" ID="st13-184"/><SP/><String HEIGHT="24" CONTENT="base" WIDTH="49" HPOS="560" VPOS="1065" ID="st13-185"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="31" HPOS="623" VPOS="1065" ID="st13-186"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="654" VPOS="1065" ID="st13-187"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="679" VPOS="1065" ID="st13-188"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="757" VPOS="1065" ID="st13-189"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl13-21" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="reduce" WIDTH="72" HPOS="196" VPOS="1101" ID="st13-190"/><SP/><String HEIGHT="24" CONTENT="dependence" WIDTH="131" HPOS="274" VPOS="1101" ID="st13-191"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="411" VPOS="1101" ID="st13-192"/><SP/><String HEIGHT="24" CONTENT="incentives" WIDTH="100" HPOS="445" VPOS="1101" ID="st13-193"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="545" VPOS="1101" ID="st13-194"/><SP/><String HEIGHT="24" CONTENT="Unions" WIDTH="74" HPOS="562" VPOS="1101" ID="st13-195"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="642" VPOS="1101" ID="st13-196"/><SP/><String HEIGHT="24" CONTENT="bargain" WIDTH="80" HPOS="686" VPOS="1101" ID="st13-197"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="773" VPOS="1101" ID="st13-198"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl13-22" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="limit" WIDTH="46" HPOS="196" VPOS="1138" ID="st13-199"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="248" VPOS="1138" ID="st13-200"/><SP/><String HEIGHT="23" CONTENT="use" WIDTH="36" HPOS="289" VPOS="1138" ID="st13-201"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="331" VPOS="1138" ID="st13-202"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="359" VPOS="1138" ID="st13-203"/><SP/><String HEIGHT="23" CONTENT="sales" WIDTH="50" HPOS="399" VPOS="1138" ID="st13-204"/><SP/><String HEIGHT="23" CONTENT="goals" WIDTH="52" HPOS="455" VPOS="1138" ID="st13-205"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="507" VPOS="1138" ID="st13-206"/><SP/><String HEIGHT="23" CONTENT="performance" WIDTH="137" HPOS="523" VPOS="1138" ID="st13-207"/><SP/><String HEIGHT="23" CONTENT="metrics" WIDTH="73" HPOS="665" VPOS="1138" ID="st13-208"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="738" VPOS="1138" ID="st13-209"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="755" VPOS="1138" ID="st13-210"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl13-23" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="incentive" WIDTH="95" HPOS="196" VPOS="1174" ID="st13-211"/><SP/><String HEIGHT="23" CONTENT="pay" WIDTH="38" HPOS="298" VPOS="1174" ID="st13-212"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="343" VPOS="1174" ID="st13-213"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="393" VPOS="1174" ID="st13-214"/><SP/><String HEIGHT="23" CONTENT="say" WIDTH="34" HPOS="485" VPOS="1174" ID="st13-215"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="526" VPOS="1174" ID="st13-216"/><SP/><String HEIGHT="23" CONTENT="harmful" WIDTH="84" HPOS="566" VPOS="1174" ID="st13-217"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="657" VPOS="1174" ID="st13-218"/><SP/><String HEIGHT="23" CONTENT="customers" WIDTH="109" HPOS="686" VPOS="1174" ID="st13-219"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl13-24" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1210" ID="st13-220"/><SP/><String HEIGHT="24" CONTENT="impede" WIDTH="80" HPOS="244" VPOS="1210" ID="st13-221"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="331" VPOS="1210" ID="st13-222"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="411" VPOS="1210" ID="st13-223"/><SP/><String HEIGHT="24" CONTENT="ability" WIDTH="62" HPOS="431" VPOS="1210" ID="st13-224"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="501" VPOS="1210" ID="st13-225"/><SP/><String HEIGHT="24" CONTENT="provide" WIDTH="79" HPOS="531" VPOS="1210" ID="st13-226"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="42" HPOS="618" VPOS="1210" ID="st13-227"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="660" VPOS="1210" ID="st13-228"/><String HEIGHT="24" CONTENT="quality" WIDTH="74" HPOS="670" VPOS="1210" ID="st13-229"/><SP/><String HEIGHT="24" CONTENT="cus" WIDTH="33" HPOS="752" VPOS="1210" ID="st13-230" SUBS_TYPE="HypPart1" SUBS_CONTENT="customer"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1210" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl13-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tomer" WIDTH="64" HPOS="196" VPOS="1246" ID="st13-231" SUBS_TYPE="HypPart2" SUBS_CONTENT="customer"/><SP/><String HEIGHT="24" CONTENT="service" WIDTH="68" HPOS="266" VPOS="1246" ID="st13-232"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="334" VPOS="1246" ID="st13-233"/><SP/><String HEIGHT="24" CONTENT="Increasing" WIDTH="106" HPOS="350" VPOS="1246" ID="st13-234"/><SP/><String HEIGHT="24" CONTENT="wages" WIDTH="68" HPOS="462" VPOS="1246" ID="st13-235"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="536" VPOS="1246" ID="st13-236"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="563" VPOS="1246" ID="st13-237"/><SP/><String HEIGHT="24" CONTENT="bottom" WIDTH="79" HPOS="604" VPOS="1246" ID="st13-238"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="689" VPOS="1246" ID="st13-239"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="717" VPOS="1246" ID="st13-240"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="38" HPOS="757" VPOS="1246" ID="st13-241"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl13-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="scale" WIDTH="52" HPOS="196" VPOS="1282" ID="st13-242"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="257" VPOS="1282" ID="st13-243"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="302" VPOS="1282" ID="st13-244"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="47" HPOS="324" VPOS="1282" ID="st13-245"/><SP/><String HEIGHT="24" CONTENT="probability" WIDTH="112" HPOS="381" VPOS="1282" ID="st13-246"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="502" VPOS="1282" ID="st13-247"/><SP/><String HEIGHT="24" CONTENT="reining" WIDTH="73" HPOS="534" VPOS="1282" ID="st13-248"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="616" VPOS="1282" ID="st13-249"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="645" VPOS="1282" ID="st13-250"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl13-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="196" VPOS="1318" ID="st13-251"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="227" VPOS="1318" ID="st13-252"/><SP/><String HEIGHT="24" CONTENT="top" WIDTH="36" HPOS="271" VPOS="1318" ID="st13-253"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="316" VPOS="1318" ID="st13-254"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="348" VPOS="1318" ID="st13-255"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="37" HPOS="392" VPOS="1318" ID="st13-256"/><SP/><String HEIGHT="24" CONTENT="scale" WIDTH="49" HPOS="438" VPOS="1318" ID="st13-257"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="487" VPOS="1318" ID="st13-258"/><SP/><String HEIGHT="24" CONTENT="Given" WIDTH="61" HPOS="506" VPOS="1318" ID="st13-259"/><SP/><String HEIGHT="24" CONTENT="quickly" WIDTH="73" HPOS="577" VPOS="1318" ID="st13-260"/><SP/><String HEIGHT="24" CONTENT="growing" WIDTH="89" HPOS="659" VPOS="1318" ID="st13-261"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="38" HPOS="757" VPOS="1318" ID="st13-262"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl13-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="disparities" WIDTH="106" HPOS="196" VPOS="1354" ID="st13-263"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="93" HPOS="310" VPOS="1354" ID="st13-264"/><SP/><String HEIGHT="24" CONTENT="CEO" WIDTH="47" HPOS="411" VPOS="1354" ID="st13-265"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="466" VPOS="1354" ID="st13-266"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="624" VPOS="1354" ID="st13-267"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="673" VPOS="1354" ID="st13-268"/><SP/><String HEIGHT="24" CONTENT="median" WIDTH="79" HPOS="716" VPOS="1354" ID="st13-269"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl13-29" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="196" VPOS="1390" ID="st13-270"/><SP/><String HEIGHT="24" CONTENT="salary" WIDTH="60" HPOS="281" VPOS="1390" ID="st13-271"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="350" VPOS="1390" ID="st13-272"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="379" VPOS="1390" ID="st13-273"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="423" VPOS="1390" ID="st13-274"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="63" HPOS="522" VPOS="1390" ID="st13-275"/><SP/><String HEIGHT="24" CONTENT="relative" WIDTH="76" HPOS="595" VPOS="1390" ID="st13-276"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="680" VPOS="1390" ID="st13-277"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="712" VPOS="1390" ID="st13-278"/><SP/><String HEIGHT="24" CONTENT="rest" WIDTH="39" HPOS="756" VPOS="1390" ID="st13-279"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl13-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="196" VPOS="1426" ID="st13-280"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="227" VPOS="1426" ID="st13-281"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="89" HPOS="271" VPOS="1426" ID="st13-282"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="360" VPOS="1426" ID="st13-283"/><SP/><String HEIGHT="24" CONTENT="bargaining" WIDTH="114" HPOS="382" VPOS="1426" ID="st13-284"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="505" VPOS="1426" ID="st13-285"/><SP/><String HEIGHT="24" CONTENT="correct" WIDTH="73" HPOS="536" VPOS="1426" ID="st13-286"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="618" VPOS="1426" ID="st13-287"/><SP/><String HEIGHT="24" CONTENT="distortions" WIDTH="111" HPOS="684" VPOS="1426" ID="st13-288"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl13-31" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="could" WIDTH="59" HPOS="196" VPOS="1463" ID="st13-289"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="265" VPOS="1463" ID="st13-290"/><SP/><String HEIGHT="23" CONTENT="an" WIDTH="26" HPOS="326" VPOS="1463" ID="st13-291"/><SP/><String HEIGHT="23" CONTENT="ameliorative" WIDTH="129" HPOS="363" VPOS="1463" ID="st13-292"/><SP/><String HEIGHT="23" CONTENT="knock" WIDTH="62" HPOS="503" VPOS="1463" ID="st13-293"/><String HEIGHT="23" CONTENT="-" WIDTH="13" HPOS="565" VPOS="1463" ID="st13-294"/><String HEIGHT="23" CONTENT="on" WIDTH="25" HPOS="578" VPOS="1463" ID="st13-295"/><SP/><String HEIGHT="23" CONTENT="effect" WIDTH="61" HPOS="613" VPOS="1463" ID="st13-296"/><SP/><String HEIGHT="23" CONTENT="across" WIDTH="64" HPOS="685" VPOS="1463" ID="st13-297"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1463" ID="st13-298"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl13-32" WIDTH="174" HEIGHT="23"><String HEIGHT="23" CONTENT="whole" WIDTH="66" HPOS="196" VPOS="1499" ID="st13-299"/><SP/><String HEIGHT="23" CONTENT="economy" WIDTH="88" HPOS="269" VPOS="1499" ID="st13-300"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="357" VPOS="1499" ID="st13-301"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl13-33" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="When" WIDTH="64" HPOS="196" VPOS="1571" ID="st13-302"/><SP/><String HEIGHT="24" CONTENT="examining" WIDTH="110" HPOS="272" VPOS="1571" ID="st13-303"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="394" VPOS="1571" ID="st13-304"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="460" VPOS="1571" ID="st13-305"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="114" HPOS="547" VPOS="1571" ID="st13-306"/><String HEIGHT="24" CONTENT="’" WIDTH="10" HPOS="661" VPOS="1571" ID="st13-307"/><SP/><String HEIGHT="24" CONTENT="impact" WIDTH="72" HPOS="683" VPOS="1571" ID="st13-308"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="767" VPOS="1571" ID="st13-309"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl13-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="inequality" WIDTH="99" HPOS="196" VPOS="1607" ID="st13-310"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="295" VPOS="1607" ID="st13-311"/><SP/><String HEIGHT="24" CONTENT="IMF" WIDTH="39" HPOS="318" VPOS="1607" ID="st13-312"/><SP/><String HEIGHT="24" CONTENT="staff" WIDTH="48" HPOS="369" VPOS="1607" ID="st13-313"/><SP/><String HEIGHT="24" CONTENT="found" WIDTH="65" HPOS="429" VPOS="1607" ID="st13-314"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="507" VPOS="1607" ID="st13-315"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="563" VPOS="1607" ID="st13-316"/><SP/><String HEIGHT="24" CONTENT="increase" WIDTH="86" HPOS="602" VPOS="1607" ID="st13-317"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="701" VPOS="1607" ID="st13-318"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="62" HPOS="733" VPOS="1607" ID="st13-319"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl13-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="density" WIDTH="75" HPOS="196" VPOS="1643" ID="st13-320"/><SP/><String HEIGHT="24" CONTENT="reduces" WIDTH="81" HPOS="279" VPOS="1643" ID="st13-321"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="368" VPOS="1643" ID="st13-322"/><SP/><String HEIGHT="24" CONTENT="top" WIDTH="36" HPOS="410" VPOS="1643" ID="st13-323"/><SP/><String HEIGHT="24" CONTENT="10" WIDTH="28" HPOS="453" VPOS="1643" ID="st13-324"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="34" HPOS="489" VPOS="1643" ID="st13-325"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="531" VPOS="1643" ID="st13-326"/><SP/><String HEIGHT="24" CONTENT="income" WIDTH="78" HPOS="584" VPOS="1643" ID="st13-327"/><SP/><String HEIGHT="24" CONTENT="share" WIDTH="57" HPOS="669" VPOS="1643" ID="st13-328"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="733" VPOS="1643" ID="st13-329"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1643" ID="st13-330"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl13-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="whole" WIDTH="66" HPOS="196" VPOS="1679" ID="st13-331"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="89" HPOS="272" VPOS="1679" ID="st13-332"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="361" VPOS="1679" ID="st13-333"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="38" HPOS="385" VPOS="1679" ID="st13-334"/><SP/><String HEIGHT="24" CONTENT="finding" WIDTH="75" HPOS="434" VPOS="1679" ID="st13-335"/><SP/><String HEIGHT="24" CONTENT="held" WIDTH="46" HPOS="519" VPOS="1679" ID="st13-336"/><SP/><String HEIGHT="24" CONTENT="true" WIDTH="43" HPOS="576" VPOS="1679" ID="st13-337"/><SP/><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="629" VPOS="1679" ID="st13-338"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="690" VPOS="1679" ID="st13-339"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1679" ID="st13-340"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl13-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="results" WIDTH="68" HPOS="196" VPOS="1715" ID="st13-341"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="273" VPOS="1715" ID="st13-342"/><SP/><String HEIGHT="24" CONTENT="controlled" WIDTH="107" HPOS="334" VPOS="1715" ID="st13-343"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="449" VPOS="1715" ID="st13-344"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="489" VPOS="1715" ID="st13-345"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="532" VPOS="1715" ID="st13-346"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="581" VPOS="1715" ID="st13-347"/><SP/><String HEIGHT="24" CONTENT="employment" WIDTH="134" HPOS="612" VPOS="1715" ID="st13-348"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="754" VPOS="1715" ID="st13-349"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl13-38" WIDTH="468" HEIGHT="24"><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="196" VPOS="1751" ID="st13-350"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="78" HPOS="354" VPOS="1751" ID="st13-351"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="440" VPOS="1751" ID="st13-352"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="467" VPOS="1751" ID="st13-353"/><SP/><String HEIGHT="24" CONTENT="finance" WIDTH="78" HPOS="510" VPOS="1751" ID="st13-354"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="58" HPOS="596" VPOS="1751" ID="st13-355"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="654" VPOS="1751" ID="st13-356"/></TextLine><TextLine HPOS="664" VPOS="1751" ID="tl13-39" WIDTH="9" HEIGHT="13"><String HEIGHT="13" CONTENT="7" WIDTH="9" HPOS="664" VPOS="1751" ID="st13-357"/></TextLine><TextLine HPOS="681" VPOS="1751" ID="tl13-40" WIDTH="114" HEIGHT="24"><String HEIGHT="24" CONTENT="Within" WIDTH="71" HPOS="681" VPOS="1751" ID="st13-358"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1751" ID="st13-359"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl13-41" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="banking" WIDTH="87" HPOS="196" VPOS="1788" ID="st13-360"/><SP/><String HEIGHT="23" CONTENT="sector" WIDTH="59" HPOS="290" VPOS="1788" ID="st13-361"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="349" VPOS="1788" ID="st13-362"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="366" VPOS="1788" ID="st13-363"/><SP/><String HEIGHT="23" CONTENT="absence" WIDTH="86" HPOS="409" VPOS="1788" ID="st13-364"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="502" VPOS="1788" ID="st13-365"/><SP/><String HEIGHT="23" CONTENT="collective" WIDTH="97" HPOS="532" VPOS="1788" ID="st13-366"/><SP/><String HEIGHT="23" CONTENT="bargaining" WIDTH="114" HPOS="637" VPOS="1788" ID="st13-367"/><SP/><String HEIGHT="23" CONTENT="has" WIDTH="36" HPOS="759" VPOS="1788" ID="st13-368"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl13-42" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="had" WIDTH="41" HPOS="196" VPOS="1824" ID="st13-369"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="246" VPOS="1824" ID="st13-370"/><SP/><String HEIGHT="23" CONTENT="consequence" WIDTH="139" HPOS="290" VPOS="1824" ID="st13-371"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="438" VPOS="1824" ID="st13-372"/><SP/><String HEIGHT="23" CONTENT="allowing" WIDTH="86" HPOS="470" VPOS="1824" ID="st13-373"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="556" VPOS="1824" ID="st13-374"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="30" HPOS="577" VPOS="1824" ID="st13-375"/><SP/><String HEIGHT="23" CONTENT="example" WIDTH="84" HPOS="616" VPOS="1824" ID="st13-376"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="700" VPOS="1824" ID="st13-377"/><SP/><String HEIGHT="23" CONTENT="dispro" WIDTH="63" HPOS="722" VPOS="1824" ID="st13-378" SUBS_TYPE="HypPart1" SUBS_CONTENT="disproportional"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1824" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl13-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="portional" WIDTH="97" HPOS="196" VPOS="1860" ID="st13-379" SUBS_TYPE="HypPart2" SUBS_CONTENT="disproportional"/><SP/><String HEIGHT="24" CONTENT="increases" WIDTH="97" HPOS="307" VPOS="1860" ID="st13-380"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="418" VPOS="1860" ID="st13-381"/><SP/><String HEIGHT="24" CONTENT="executive" WIDTH="99" HPOS="452" VPOS="1860" ID="st13-382"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="146" HPOS="565" VPOS="1860" ID="st13-383"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="711" VPOS="1860" ID="st13-384"/><SP/><String HEIGHT="24" CONTENT="while" WIDTH="57" HPOS="738" VPOS="1860" ID="st13-385"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl13-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="196" VPOS="1896" ID="st13-386"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="276" VPOS="1896" ID="st13-387"/><SP/><String HEIGHT="24" CONTENT="remuneration" WIDTH="144" HPOS="296" VPOS="1896" ID="st13-388"/><SP/><String HEIGHT="24" CONTENT="remains" WIDTH="83" HPOS="447" VPOS="1896" ID="st13-389"/><SP/><String HEIGHT="24" CONTENT="largely" WIDTH="69" HPOS="538" VPOS="1896" ID="st13-390"/><SP/><String HEIGHT="24" CONTENT="stagnant" WIDTH="88" HPOS="615" VPOS="1896" ID="st13-391"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="703" VPOS="1896" ID="st13-392"/><SP/><String HEIGHT="24" CONTENT="driving" WIDTH="72" HPOS="723" VPOS="1896" ID="st13-393"/></TextLine><TextLine HPOS="196" VPOS="1999" ID="tl13-45" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="7" WIDTH="7" HPOS="196" VPOS="1999" ID="st13-394"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="203" VPOS="1999" ID="st13-395"/><String HEIGHT="19" CONTENT=" " WIDTH="7" HPOS="210" VPOS="1999" ID="st13-396"/><SP/><String HEIGHT="19" CONTENT="Compensation" WIDTH="121" HPOS="222" VPOS="1999" ID="st13-397"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="348" VPOS="1999" ID="st13-398"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="368" VPOS="1999" ID="st13-399"/><SP/><String HEIGHT="19" CONTENT="finance" WIDTH="61" HPOS="400" VPOS="1999" ID="st13-400"/><SP/><String HEIGHT="19" CONTENT="sector" WIDTH="49" HPOS="466" VPOS="1999" ID="st13-401"/><SP/><String HEIGHT="19" CONTENT="has" WIDTH="28" HPOS="520" VPOS="1999" ID="st13-402"/><SP/><String HEIGHT="19" CONTENT="grown" WIDTH="54" HPOS="553" VPOS="1999" ID="st13-403"/><SP/><String HEIGHT="19" CONTENT="fast" WIDTH="30" HPOS="612" VPOS="1999" ID="st13-404"/><SP/><String HEIGHT="19" CONTENT="relative" WIDTH="59" HPOS="647" VPOS="1999" ID="st13-405"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="711" VPOS="1999" ID="st13-406"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="733" VPOS="1999" ID="st13-407"/><SP/><String HEIGHT="19" CONTENT="rest" WIDTH="30" HPOS="765" VPOS="1999" ID="st13-408"/></TextLine><TextLine HPOS="196" VPOS="2023" ID="tl13-46" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="of" WIDTH="18" HPOS="196" VPOS="2023" ID="st13-409"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="218" VPOS="2023" ID="st13-410"/><SP/><String HEIGHT="18" CONTENT="economy" WIDTH="70" HPOS="249" VPOS="2023" ID="st13-411"/><String HEIGHT="18" CONTENT=";" WIDTH="11" HPOS="319" VPOS="2023" ID="st13-412"/><SP/><String HEIGHT="18" CONTENT="therefore" WIDTH="76" HPOS="335" VPOS="2023" ID="st13-413"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="415" VPOS="2023" ID="st13-414"/><SP/><String HEIGHT="18" CONTENT="study" WIDTH="45" HPOS="446" VPOS="2023" ID="st13-415"/><SP/><String HEIGHT="18" CONTENT="was" WIDTH="32" HPOS="495" VPOS="2023" ID="st13-416"/><SP/><String HEIGHT="18" CONTENT="controlled" WIDTH="83" HPOS="532" VPOS="2023" ID="st13-417"/><SP/><String HEIGHT="18" CONTENT="for" WIDTH="24" HPOS="619" VPOS="2023" ID="st13-418"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="647" VPOS="2023" ID="st13-419"/><SP/><String HEIGHT="18" CONTENT="share" WIDTH="44" HPOS="678" VPOS="2023" ID="st13-420"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="727" VPOS="2023" ID="st13-421"/><SP/><String HEIGHT="18" CONTENT="hours" WIDTH="47" HPOS="748" VPOS="2023" ID="st13-422"/></TextLine><TextLine HPOS="196" VPOS="2046" ID="tl13-47" WIDTH="397" HEIGHT="19"><String HEIGHT="19" CONTENT="worked" WIDTH="63" HPOS="196" VPOS="2046" ID="st13-423"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="16" HPOS="264" VPOS="2046" ID="st13-424"/><SP/><String HEIGHT="19" CONTENT="finance" WIDTH="60" HPOS="285" VPOS="2046" ID="st13-425"/><SP/><String HEIGHT="19" CONTENT="relative" WIDTH="59" HPOS="351" VPOS="2046" ID="st13-426"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="415" VPOS="2046" ID="st13-427"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="438" VPOS="2046" ID="st13-428"/><SP/><String HEIGHT="19" CONTENT="total" WIDTH="38" HPOS="470" VPOS="2046" ID="st13-429"/><SP/><String HEIGHT="19" CONTENT="economy" WIDTH="69" HPOS="514" VPOS="2046" ID="st13-430"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="583" VPOS="2046" ID="st13-431"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl13-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="inequality" WIDTH="97" HPOS="858" VPOS="307" ID="st13-432"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="955" VPOS="307" ID="st13-433"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="974" VPOS="307" ID="st13-434"/><SP/><String HEIGHT="24" CONTENT="excessive" WIDTH="96" HPOS="1022" VPOS="307" ID="st13-435"/><SP/><String HEIGHT="24" CONTENT="executive" WIDTH="98" HPOS="1127" VPOS="307" ID="st13-436"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="1234" VPOS="307" ID="st13-437"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1392" VPOS="307" ID="st13-438"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="307" ID="st13-439"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl13-49" WIDTH="529" HEIGHT="24"><String HEIGHT="24" CONTENT="top" WIDTH="36" HPOS="858" VPOS="343" ID="st13-440"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="901" VPOS="343" ID="st13-441"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="930" VPOS="343" ID="st13-442"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="37" HPOS="972" VPOS="343" ID="st13-443"/><SP/><String HEIGHT="24" CONTENT="scale" WIDTH="52" HPOS="1016" VPOS="343" ID="st13-444"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1074" VPOS="343" ID="st13-445"/><String HEIGHT="24" CONTENT="Jaumotte" WIDTH="95" HPOS="1085" VPOS="343" ID="st13-446"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1187" VPOS="343" ID="st13-447"/><SP/><String HEIGHT="24" CONTENT="Osorio" WIDTH="66" HPOS="1234" VPOS="343" ID="st13-448"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1300" VPOS="343" ID="st13-449"/><SP/><String HEIGHT="24" CONTENT="2015" WIDTH="46" HPOS="1318" VPOS="343" ID="st13-450"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1364" VPOS="343" ID="st13-451"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1375" VPOS="343" ID="st13-452"/></TextLine><TextLine HPOS="858" VPOS="448" ID="tl13-50" WIDTH="408" HEIGHT="29"><String HEIGHT="29" CONTENT="Worker" WIDTH="96" HPOS="858" VPOS="448" ID="st13-453"/><SP/><String HEIGHT="29" CONTENT="Voice" WIDTH="70" HPOS="962" VPOS="448" ID="st13-454"/><SP/><String HEIGHT="29" CONTENT="and" WIDTH="49" HPOS="1041" VPOS="448" ID="st13-455"/><SP/><String HEIGHT="29" CONTENT="Transparency" WIDTH="168" HPOS="1098" VPOS="448" ID="st13-456"/></TextLine><TextLine HPOS="858" VPOS="524" ID="tl13-51" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="Nonsupervisory" WIDTH="162" HPOS="858" VPOS="524" ID="st13-457"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="52" HPOS="1031" VPOS="524" ID="st13-458"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="1094" VPOS="524" ID="st13-459"/><SP/><String HEIGHT="23" CONTENT="often" WIDTH="57" HPOS="1189" VPOS="524" ID="st13-460"/><SP/><String HEIGHT="23" CONTENT="find" WIDTH="42" HPOS="1256" VPOS="524" ID="st13-461"/><SP/><String HEIGHT="23" CONTENT="themselves" WIDTH="117" HPOS="1308" VPOS="524" ID="st13-462"/><SP/><String HEIGHT="23" CONTENT="at" WIDTH="21" HPOS="1435" VPOS="524" ID="st13-463"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl13-52" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="560" ID="st13-464"/><SP/><String HEIGHT="24" CONTENT="confluence" WIDTH="117" HPOS="900" VPOS="560" ID="st13-465"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1025" VPOS="560" ID="st13-466"/><SP/><String HEIGHT="24" CONTENT="two" WIDTH="42" HPOS="1055" VPOS="560" ID="st13-467"/><SP/><String HEIGHT="24" CONTENT="main" WIDTH="53" HPOS="1105" VPOS="560" ID="st13-468"/><SP/><String HEIGHT="24" CONTENT="drivers" WIDTH="69" HPOS="1166" VPOS="560" ID="st13-469"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1243" VPOS="560" ID="st13-470"/><SP/><String HEIGHT="24" CONTENT="systemic" WIDTH="89" HPOS="1273" VPOS="560" ID="st13-471"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="34" HPOS="1370" VPOS="560" ID="st13-472"/><String HEIGHT="24" CONTENT=":" WIDTH="9" HPOS="1404" VPOS="560" ID="st13-473"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="560" ID="st13-474"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl13-53" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="acceleration" WIDTH="129" HPOS="858" VPOS="596" ID="st13-475"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="999" VPOS="596" ID="st13-476"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="41" HPOS="1034" VPOS="596" ID="st13-477"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="1075" VPOS="596" ID="st13-478"/><String HEIGHT="24" CONTENT="risk" WIDTH="42" HPOS="1085" VPOS="596" ID="st13-479"/><SP/><String HEIGHT="24" CONTENT="borrowing" WIDTH="112" HPOS="1139" VPOS="596" ID="st13-480"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1263" VPOS="596" ID="st13-481"/><SP/><String HEIGHT="24" CONTENT="lending" WIDTH="75" HPOS="1317" VPOS="596" ID="st13-482"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1392" VPOS="596" ID="st13-483"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1416" VPOS="596" ID="st13-484"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl13-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="632" ID="st13-485"/><SP/><String HEIGHT="24" CONTENT="expansion" WIDTH="107" HPOS="903" VPOS="632" ID="st13-486"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1021" VPOS="632" ID="st13-487"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1054" VPOS="632" ID="st13-488"/><SP/><String HEIGHT="24" CONTENT="volume" WIDTH="78" HPOS="1100" VPOS="632" ID="st13-489"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1189" VPOS="632" ID="st13-490"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1222" VPOS="632" ID="st13-491"/><SP/><String HEIGHT="24" CONTENT="transactions" WIDTH="124" HPOS="1321" VPOS="632" ID="st13-492"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1445" VPOS="632" ID="st13-493"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl13-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="As" WIDTH="26" HPOS="858" VPOS="668" ID="st13-494"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="895" VPOS="668" ID="st13-495"/><SP/><String HEIGHT="24" CONTENT="result" WIDTH="55" HPOS="919" VPOS="668" ID="st13-496"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="974" VPOS="668" ID="st13-497"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="995" VPOS="668" ID="st13-498"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1091" VPOS="668" ID="st13-499"/><SP/><String HEIGHT="24" CONTENT="particular" WIDTH="101" HPOS="1152" VPOS="668" ID="st13-500"/><SP/><String HEIGHT="24" CONTENT="insights" WIDTH="81" HPOS="1264" VPOS="668" ID="st13-501"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="42" HPOS="1356" VPOS="668" ID="st13-502"/><SP/><String HEIGHT="24" CONTENT="how" WIDTH="47" HPOS="1409" VPOS="668" ID="st13-503"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl13-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="financialization" WIDTH="159" HPOS="858" VPOS="704" ID="st13-504"/><SP/><String HEIGHT="24" CONTENT="intersects" WIDTH="100" HPOS="1028" VPOS="704" ID="st13-505"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1139" VPOS="704" ID="st13-506"/><SP/><String HEIGHT="24" CONTENT="consumers" WIDTH="114" HPOS="1197" VPOS="704" ID="st13-507"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1321" VPOS="704" ID="st13-508"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1372" VPOS="704" ID="st13-509"/><SP/><String HEIGHT="24" CONTENT="real" WIDTH="38" HPOS="1418" VPOS="704" ID="st13-510"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl13-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="economy" WIDTH="89" HPOS="858" VPOS="740" ID="st13-511"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="947" VPOS="740" ID="st13-512"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="38" HPOS="969" VPOS="740" ID="st13-513"/><SP/><String HEIGHT="24" CONTENT="question" WIDTH="92" HPOS="1016" VPOS="740" ID="st13-514"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="14" HPOS="1117" VPOS="740" ID="st13-515"/><String HEIGHT="24" CONTENT=":" WIDTH="8" HPOS="1131" VPOS="740" ID="st13-516"/><SP/><String HEIGHT="24" CONTENT="do" WIDTH="28" HPOS="1148" VPOS="740" ID="st13-517"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="1185" VPOS="740" ID="st13-518"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1240" VPOS="740" ID="st13-519"/><SP/><String HEIGHT="24" CONTENT="any" WIDTH="37" HPOS="1299" VPOS="740" ID="st13-520"/><SP/><String HEIGHT="24" CONTENT="way" WIDTH="43" HPOS="1345" VPOS="740" ID="st13-521"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1397" VPOS="740" ID="st13-522"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="1428" VPOS="740" ID="st13-523"/><String HEIGHT="24" CONTENT="1" WIDTH="9" HPOS="1437" VPOS="740" ID="st13-524"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="1446" VPOS="740" ID="st13-525"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl13-58" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="communicating" WIDTH="166" HPOS="858" VPOS="776" ID="st13-526"/><SP/><String HEIGHT="24" CONTENT="those" WIDTH="58" HPOS="1036" VPOS="776" ID="st13-527"/><SP/><String HEIGHT="24" CONTENT="insights" WIDTH="81" HPOS="1106" VPOS="776" ID="st13-528"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1199" VPOS="776" ID="st13-529"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="1251" VPOS="776" ID="st13-530"/><String HEIGHT="24" CONTENT="2" WIDTH="9" HPOS="1260" VPOS="776" ID="st13-531"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="1269" VPOS="776" ID="st13-532"/><SP/><String HEIGHT="24" CONTENT="participating" WIDTH="134" HPOS="1291" VPOS="776" ID="st13-533"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="776" ID="st13-534"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl13-59" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="processes" WIDTH="101" HPOS="858" VPOS="813" ID="st13-535"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="969" VPOS="813" ID="st13-536"/><SP/><String HEIGHT="23" CONTENT="can" WIDTH="37" HPOS="1022" VPOS="813" ID="st13-537"/><SP/><String HEIGHT="23" CONTENT="make" WIDTH="58" HPOS="1069" VPOS="813" ID="st13-538"/><SP/><String HEIGHT="23" CONTENT="meaningful" WIDTH="121" HPOS="1137" VPOS="813" ID="st13-539"/><SP/><String HEIGHT="23" CONTENT="change" WIDTH="78" HPOS="1268" VPOS="813" ID="st13-540"/><SP/><String HEIGHT="23" CONTENT="based" WIDTH="62" HPOS="1356" VPOS="813" ID="st13-541"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="1428" VPOS="813" ID="st13-542"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl13-60" WIDTH="158" HEIGHT="23"><String HEIGHT="23" CONTENT="those" WIDTH="58" HPOS="858" VPOS="849" ID="st13-543"/><SP/><String HEIGHT="23" CONTENT="insights" WIDTH="82" HPOS="923" VPOS="849" ID="st13-544"/><String HEIGHT="23" CONTENT="?" WIDTH="11" HPOS="1005" VPOS="849" ID="st13-545"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl13-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Bank" WIDTH="52" HPOS="858" VPOS="921" ID="st13-546"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="915" VPOS="921" ID="st13-547"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1004" VPOS="921" ID="st13-548"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1056" VPOS="921" ID="st13-549"/><SP/><String HEIGHT="24" CONTENT="protection" WIDTH="108" HPOS="1095" VPOS="921" ID="st13-550"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1208" VPOS="921" ID="st13-551"/><SP/><String HEIGHT="24" CONTENT="structure" WIDTH="93" HPOS="1253" VPOS="921" ID="st13-552"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1351" VPOS="921" ID="st13-553"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1378" VPOS="921" ID="st13-554"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="1395" VPOS="921" ID="st13-555"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl13-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="858" VPOS="957" ID="st13-556"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="906" VPOS="957" ID="st13-557"/><SP/><String HEIGHT="24" CONTENT="easily" WIDTH="57" HPOS="971" VPOS="957" ID="st13-558"/><SP/><String HEIGHT="24" CONTENT="report" WIDTH="65" HPOS="1038" VPOS="957" ID="st13-559"/><SP/><String HEIGHT="24" CONTENT="questionable" WIDTH="136" HPOS="1113" VPOS="957" ID="st13-560"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="1260" VPOS="957" ID="st13-561"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="90" HPOS="1356" VPOS="957" ID="st13-562"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1446" VPOS="957" ID="st13-563"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl13-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="structural" WIDTH="100" HPOS="858" VPOS="993" ID="st13-564"/><SP/><String HEIGHT="24" CONTENT="conflicts" WIDTH="88" HPOS="964" VPOS="993" ID="st13-565"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1059" VPOS="993" ID="st13-566"/><SP/><String HEIGHT="24" CONTENT="interest" WIDTH="76" HPOS="1087" VPOS="993" ID="st13-567"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1163" VPOS="993" ID="st13-568"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1180" VPOS="993" ID="st13-569"/><SP/><String HEIGHT="24" CONTENT="other" WIDTH="57" HPOS="1227" VPOS="993" ID="st13-570"/><SP/><String HEIGHT="24" CONTENT="problems" WIDTH="98" HPOS="1290" VPOS="993" ID="st13-571"/><SP/><String HEIGHT="24" CONTENT="either" WIDTH="61" HPOS="1395" VPOS="993" ID="st13-572"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl13-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="858" VPOS="1029" ID="st13-573"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="107" HPOS="892" VPOS="1029" ID="st13-574"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="23" HPOS="1011" VPOS="1029" ID="st13-575"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1046" VPOS="1029" ID="st13-576"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1080" VPOS="1029" ID="st13-577"/><SP/><String HEIGHT="24" CONTENT="company" WIDTH="98" HPOS="1127" VPOS="1029" ID="st13-578"/><SP/><String HEIGHT="24" CONTENT="itself" WIDTH="48" HPOS="1237" VPOS="1029" ID="st13-579"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="1285" VPOS="1029" ID="st13-580"/><SP/><String HEIGHT="24" CONTENT="Without" WIDTH="89" HPOS="1306" VPOS="1029" ID="st13-581"/><SP/><String HEIGHT="24" CONTENT="such" WIDTH="49" HPOS="1407" VPOS="1029" ID="st13-582"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl13-65" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="protection" WIDTH="110" HPOS="858" VPOS="1065" ID="st13-583"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="979" VPOS="1065" ID="st13-584"/><SP/><String HEIGHT="24" CONTENT="structure" WIDTH="90" HPOS="1031" VPOS="1065" ID="st13-585"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1121" VPOS="1065" ID="st13-586"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1144" VPOS="1065" ID="st13-587"/><SP/><String HEIGHT="24" CONTENT="lack" WIDTH="42" HPOS="1240" VPOS="1065" ID="st13-588"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1293" VPOS="1065" ID="st13-589"/><SP/><String HEIGHT="24" CONTENT="confidence" WIDTH="118" HPOS="1339" VPOS="1065" ID="st13-590"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl13-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="858" VPOS="1101" ID="st13-591"/><SP/><String HEIGHT="24" CONTENT="speak" WIDTH="61" HPOS="889" VPOS="1101" ID="st13-592"/><SP/><String HEIGHT="24" CONTENT="up" WIDTH="23" HPOS="958" VPOS="1101" ID="st13-593"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="981" VPOS="1101" ID="st13-594"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="32" HPOS="1002" VPOS="1101" ID="st13-595"/><SP/><String HEIGHT="24" CONTENT="vulnerable" WIDTH="110" HPOS="1043" VPOS="1101" ID="st13-596"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1161" VPOS="1101" ID="st13-597"/><SP/><String HEIGHT="24" CONTENT="retaliation" WIDTH="104" HPOS="1192" VPOS="1101" ID="st13-598"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1296" VPOS="1101" ID="st13-599"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1314" VPOS="1101" ID="st13-600"/><SP/><String HEIGHT="24" CONTENT="will" WIDTH="36" HPOS="1345" VPOS="1101" ID="st13-601"/><SP/><String HEIGHT="24" CONTENT="simply" WIDTH="66" HPOS="1390" VPOS="1101" ID="st13-602"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl13-67" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="be" WIDTH="26" HPOS="858" VPOS="1138" ID="st13-603"/><SP/><String HEIGHT="23" CONTENT="ignored" WIDTH="77" HPOS="893" VPOS="1138" ID="st13-604"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="970" VPOS="1138" ID="st13-605"/><SP/><String HEIGHT="23" CONTENT="Beyond" WIDTH="79" HPOS="990" VPOS="1138" ID="st13-606"/><SP/><String HEIGHT="23" CONTENT="early" WIDTH="50" HPOS="1078" VPOS="1138" ID="st13-607"/><SP/><String HEIGHT="23" CONTENT="risk" WIDTH="36" HPOS="1136" VPOS="1138" ID="st13-608"/><SP/><String HEIGHT="23" CONTENT="detection" WIDTH="96" HPOS="1181" VPOS="1138" ID="st13-609"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1277" VPOS="1138" ID="st13-610"/><SP/><String HEIGHT="23" CONTENT="nonsupervisory" WIDTH="160" HPOS="1296" VPOS="1138" ID="st13-611"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl13-68" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="858" VPOS="1174" ID="st13-612"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="918" VPOS="1174" ID="st13-613"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1010" VPOS="1174" ID="st13-614"/><SP/><String HEIGHT="23" CONTENT="often" WIDTH="57" HPOS="1051" VPOS="1174" ID="st13-615"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="1115" VPOS="1174" ID="st13-616"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="1142" VPOS="1174" ID="st13-617"/><SP/><String HEIGHT="23" CONTENT="position" WIDTH="84" HPOS="1163" VPOS="1174" ID="st13-618"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1255" VPOS="1174" ID="st13-619"/><SP/><String HEIGHT="23" CONTENT="offer" WIDTH="51" HPOS="1285" VPOS="1174" ID="st13-620"/><SP/><String HEIGHT="23" CONTENT="useful" WIDTH="64" HPOS="1343" VPOS="1174" ID="st13-621"/><SP/><String HEIGHT="23" CONTENT="per" WIDTH="31" HPOS="1415" VPOS="1174" ID="st13-622" SUBS_TYPE="HypPart1" SUBS_CONTENT="perspectives"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1174" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl13-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="spectives" WIDTH="94" HPOS="858" VPOS="1210" ID="st13-623" SUBS_TYPE="HypPart2" SUBS_CONTENT="perspectives"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="27" HPOS="960" VPOS="1210" ID="st13-624"/><SP/><String HEIGHT="24" CONTENT="larger" WIDTH="61" HPOS="995" VPOS="1210" ID="st13-625"/><SP/><String HEIGHT="24" CONTENT="business" WIDTH="89" HPOS="1063" VPOS="1210" ID="st13-626"/><SP/><String HEIGHT="24" CONTENT="trends" WIDTH="66" HPOS="1160" VPOS="1210" ID="st13-627"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1233" VPOS="1210" ID="st13-628"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="1281" VPOS="1210" ID="st13-629"/><SP/><String HEIGHT="24" CONTENT="regulation" WIDTH="104" HPOS="1341" VPOS="1210" ID="st13-630"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1445" VPOS="1210" ID="st13-631"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl13-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1246" ID="st13-632"/><SP/><String HEIGHT="24" CONTENT="next" WIDTH="45" HPOS="907" VPOS="1246" ID="st13-633"/><SP/><String HEIGHT="24" CONTENT="section" WIDTH="75" HPOS="962" VPOS="1246" ID="st13-634"/><SP/><String HEIGHT="24" CONTENT="considers" WIDTH="99" HPOS="1047" VPOS="1246" ID="st13-635"/><SP/><String HEIGHT="24" CONTENT="examples" WIDTH="99" HPOS="1156" VPOS="1246" ID="st13-636"/><SP/><String HEIGHT="24" CONTENT="around" WIDTH="76" HPOS="1264" VPOS="1246" ID="st13-637"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1350" VPOS="1246" ID="st13-638"/><SP/><String HEIGHT="24" CONTENT="world" WIDTH="61" HPOS="1395" VPOS="1246" ID="st13-639"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl13-71" WIDTH="315" HEIGHT="24"><String HEIGHT="24" CONTENT="where" WIDTH="66" HPOS="858" VPOS="1282" ID="st13-640"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="931" VPOS="1282" ID="st13-641"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="37" HPOS="975" VPOS="1282" ID="st13-642"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="1018" VPOS="1282" ID="st13-643"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1078" VPOS="1282" ID="st13-644"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="42" HPOS="1120" VPOS="1282" ID="st13-645"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1162" VPOS="1282" ID="st13-646"/></TextLine><TextLine HPOS="858" VPOS="1387" ID="tl13-72" WIDTH="519" HEIGHT="28"><String HEIGHT="28" CONTENT="The" WIDTH="47" HPOS="858" VPOS="1387" ID="st13-647"/><SP/><String HEIGHT="28" CONTENT="Worker" WIDTH="96" HPOS="914" VPOS="1387" ID="st13-648"/><SP/><String HEIGHT="28" CONTENT="Stress/Productivity" WIDTH="234" HPOS="1018" VPOS="1387" ID="st13-649"/><SP/><String HEIGHT="28" CONTENT="Trade" WIDTH="65" HPOS="1260" VPOS="1387" ID="st13-650"/><String HEIGHT="28" CONTENT="-" WIDTH="13" HPOS="1325" VPOS="1387" ID="st13-651"/><String HEIGHT="28" CONTENT="off" WIDTH="39" HPOS="1338" VPOS="1387" ID="st13-652"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl13-73" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="Financial" WIDTH="92" HPOS="858" VPOS="1463" ID="st13-653"/><SP/><String HEIGHT="23" CONTENT="firms" WIDTH="53" HPOS="965" VPOS="1463" ID="st13-654"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1032" VPOS="1463" ID="st13-655"/><SP/><String HEIGHT="23" CONTENT="fundamentally" WIDTH="154" HPOS="1079" VPOS="1463" ID="st13-656"/><SP/><String HEIGHT="23" CONTENT="service" WIDTH="77" HPOS="1247" VPOS="1463" ID="st13-657"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="1324" VPOS="1463" ID="st13-658"/><String HEIGHT="23" CONTENT="based" WIDTH="56" HPOS="1335" VPOS="1463" ID="st13-659"/><SP/><String HEIGHT="23" CONTENT="busi" WIDTH="41" HPOS="1405" VPOS="1463" ID="st13-660" SUBS_TYPE="HypPart1" SUBS_CONTENT="businesses"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1463" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl13-74" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="nesses" WIDTH="64" HPOS="858" VPOS="1499" ID="st13-661" SUBS_TYPE="HypPart2" SUBS_CONTENT="businesses"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="922" VPOS="1499" ID="st13-662"/><SP/><String HEIGHT="23" CONTENT="Bank" WIDTH="53" HPOS="941" VPOS="1499" ID="st13-663"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="84" HPOS="1003" VPOS="1499" ID="st13-664"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1096" VPOS="1499" ID="st13-665"/><SP/><String HEIGHT="23" CONTENT="often" WIDTH="57" HPOS="1137" VPOS="1499" ID="st13-666"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1203" VPOS="1499" ID="st13-667"/><SP/><String HEIGHT="23" CONTENT="primary" WIDTH="74" HPOS="1246" VPOS="1499" ID="st13-668"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1320" VPOS="1499" ID="st13-669"/><SP/><String HEIGHT="23" CONTENT="if" WIDTH="14" HPOS="1340" VPOS="1499" ID="st13-670"/><SP/><String HEIGHT="23" CONTENT="not" WIDTH="37" HPOS="1362" VPOS="1499" ID="st13-671"/><SP/><String HEIGHT="23" CONTENT="only" WIDTH="39" HPOS="1407" VPOS="1499" ID="st13-672"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1446" VPOS="1499" ID="st13-673"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl13-75" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="point" WIDTH="55" HPOS="858" VPOS="1535" ID="st13-674"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="923" VPOS="1535" ID="st13-675"/><SP/><String HEIGHT="24" CONTENT="contact" WIDTH="79" HPOS="955" VPOS="1535" ID="st13-676"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="93" HPOS="1044" VPOS="1535" ID="st13-677"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1147" VPOS="1535" ID="st13-678"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="43" HPOS="1169" VPOS="1535" ID="st13-679"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1222" VPOS="1535" ID="st13-680"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="1272" VPOS="1535" ID="st13-681"/><SP/><String HEIGHT="24" CONTENT="customers" WIDTH="103" HPOS="1305" VPOS="1535" ID="st13-682"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1408" VPOS="1535" ID="st13-683"/><SP/><String HEIGHT="24" CONTENT="As" WIDTH="26" HPOS="1430" VPOS="1535" ID="st13-684"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl13-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="such" WIDTH="44" HPOS="858" VPOS="1571" ID="st13-685"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="902" VPOS="1571" ID="st13-686"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="62" HPOS="924" VPOS="1571" ID="st13-687"/><SP/><String HEIGHT="24" CONTENT="depend" WIDTH="81" HPOS="997" VPOS="1571" ID="st13-688"/><SP/><String HEIGHT="24" CONTENT="heavily" WIDTH="73" HPOS="1088" VPOS="1571" ID="st13-689"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="1171" VPOS="1571" ID="st13-690"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="1210" VPOS="1571" ID="st13-691"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1269" VPOS="1571" ID="st13-692"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1364" VPOS="1571" ID="st13-693"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1397" VPOS="1571" ID="st13-694"/><SP/><String HEIGHT="24" CONTENT="pri" WIDTH="27" HPOS="1420" VPOS="1571" ID="st13-695" SUBS_TYPE="HypPart1" SUBS_CONTENT="primary"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1571" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl13-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="mary" WIDTH="53" HPOS="858" VPOS="1607" ID="st13-696" SUBS_TYPE="HypPart2" SUBS_CONTENT="primary"/><SP/><String HEIGHT="24" CONTENT="source" WIDTH="69" HPOS="917" VPOS="1607" ID="st13-697"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="992" VPOS="1607" ID="st13-698"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="56" HPOS="1021" VPOS="1607" ID="st13-699"/><SP/><String HEIGHT="24" CONTENT="creation" WIDTH="82" HPOS="1083" VPOS="1607" ID="st13-700"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1165" VPOS="1607" ID="st13-701"/><SP/><String HEIGHT="24" CONTENT="Corporate" WIDTH="108" HPOS="1182" VPOS="1607" ID="st13-702"/><SP/><String HEIGHT="24" CONTENT="operations" WIDTH="112" HPOS="1297" VPOS="1607" ID="st13-703"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1607" ID="st13-704"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl13-78" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="practices" WIDTH="92" HPOS="858" VPOS="1643" ID="st13-705"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="956" VPOS="1643" ID="st13-706"/><SP/><String HEIGHT="24" CONTENT="lead" WIDTH="44" HPOS="1004" VPOS="1643" ID="st13-707"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1054" VPOS="1643" ID="st13-708"/><SP/><String HEIGHT="24" CONTENT="excessive" WIDTH="95" HPOS="1081" VPOS="1643" ID="st13-709"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="1182" VPOS="1643" ID="st13-710"/><SP/><String HEIGHT="24" CONTENT="strain" WIDTH="58" HPOS="1262" VPOS="1643" ID="st13-711"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1325" VPOS="1643" ID="st13-712"/><SP/><String HEIGHT="24" CONTENT="otherwise" WIDTH="104" HPOS="1353" VPOS="1643" ID="st13-713"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl13-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="undermine" WIDTH="115" HPOS="858" VPOS="1679" ID="st13-714"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="981" VPOS="1679" ID="st13-715"/><SP/><String HEIGHT="24" CONTENT="wellbeing" WIDTH="102" HPOS="1025" VPOS="1679" ID="st13-716"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1136" VPOS="1679" ID="st13-717"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1166" VPOS="1679" ID="st13-718"/><SP/><String HEIGHT="24" CONTENT="staff" WIDTH="47" HPOS="1223" VPOS="1679" ID="st13-719"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="32" HPOS="1279" VPOS="1679" ID="st13-720"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1320" VPOS="1679" ID="st13-721"/><SP/><String HEIGHT="24" CONTENT="odds" WIDTH="51" HPOS="1349" VPOS="1679" ID="st13-722"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1409" VPOS="1679" ID="st13-723"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl13-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="858" VPOS="1715" ID="st13-724"/><SP/><String HEIGHT="24" CONTENT="focus" WIDTH="57" HPOS="878" VPOS="1715" ID="st13-725"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="942" VPOS="1715" ID="st13-726"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="55" HPOS="977" VPOS="1715" ID="st13-727"/><SP/><String HEIGHT="24" CONTENT="creation" WIDTH="81" HPOS="1040" VPOS="1715" ID="st13-728"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1121" VPOS="1715" ID="st13-729"/><SP/><String HEIGHT="24" CONTENT="Unions" WIDTH="68" HPOS="1140" VPOS="1715" ID="st13-730"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1208" VPOS="1715" ID="st13-731"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="1228" VPOS="1715" ID="st13-732"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1312" VPOS="1715" ID="st13-733"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1331" VPOS="1715" ID="st13-734"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="1388" VPOS="1715" ID="st13-735"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl13-81" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="incentives" WIDTH="104" HPOS="858" VPOS="1751" ID="st13-736"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="967" VPOS="1751" ID="st13-737"/><SP/><String HEIGHT="24" CONTENT="bargain" WIDTH="80" HPOS="995" VPOS="1751" ID="st13-738"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="1081" VPOS="1751" ID="st13-739"/><SP/><String HEIGHT="24" CONTENT="workplace" WIDTH="110" HPOS="1132" VPOS="1751" ID="st13-740"/><SP/><String HEIGHT="24" CONTENT="conditions" WIDTH="110" HPOS="1247" VPOS="1751" ID="st13-741"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1362" VPOS="1751" ID="st13-742"/><SP/><String HEIGHT="24" CONTENT="sup" WIDTH="35" HPOS="1410" VPOS="1751" ID="st13-743" SUBS_TYPE="HypPart1" SUBS_CONTENT="support"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="1751" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl13-82" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="port" WIDTH="44" HPOS="858" VPOS="1788" ID="st13-744" SUBS_TYPE="HypPart2" SUBS_CONTENT="support"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="913" VPOS="1788" ID="st13-745"/><SP/><String HEIGHT="23" CONTENT="well" WIDTH="44" HPOS="959" VPOS="1788" ID="st13-746"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="1003" VPOS="1788" ID="st13-747"/><String HEIGHT="23" CONTENT="being" WIDTH="56" HPOS="1014" VPOS="1788" ID="st13-748"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="1081" VPOS="1788" ID="st13-749"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="48" HPOS="1115" VPOS="1788" ID="st13-750"/><SP/><String HEIGHT="23" CONTENT="members" WIDTH="91" HPOS="1175" VPOS="1788" ID="st13-751"/><String HEIGHT="23" CONTENT="." WIDTH="14" HPOS="1266" VPOS="1788" ID="st13-752"/><SP/><String HEIGHT="23" CONTENT="Aggressive" WIDTH="114" HPOS="1291" VPOS="1788" ID="st13-753"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1788" ID="st13-754"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl13-83" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="risky" WIDTH="47" HPOS="858" VPOS="1824" ID="st13-755"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="916" VPOS="1824" ID="st13-756"/><SP/><String HEIGHT="23" CONTENT="practices" WIDTH="93" HPOS="981" VPOS="1824" ID="st13-757"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1085" VPOS="1824" ID="st13-758"/><SP/><String HEIGHT="23" CONTENT="highly" WIDTH="64" HPOS="1129" VPOS="1824" ID="st13-759"/><SP/><String HEIGHT="23" CONTENT="correlated" WIDTH="106" HPOS="1205" VPOS="1824" ID="st13-760"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="1323" VPOS="1824" ID="st13-761"/><SP/><String HEIGHT="23" CONTENT="worker" WIDTH="75" HPOS="1381" VPOS="1824" ID="st13-762"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl13-84" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="stress" WIDTH="55" HPOS="858" VPOS="1860" ID="st13-763"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="913" VPOS="1860" ID="st13-764"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="930" VPOS="1860" ID="st13-765"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1001" VPOS="1860" ID="st13-766"/><SP/><String HEIGHT="24" CONTENT="turn" WIDTH="45" HPOS="1028" VPOS="1860" ID="st13-767"/><SP/><String HEIGHT="24" CONTENT="corresponds" WIDTH="128" HPOS="1080" VPOS="1860" ID="st13-768"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1216" VPOS="1860" ID="st13-769"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="83" HPOS="1245" VPOS="1860" ID="st13-770"/><SP/><String HEIGHT="24" CONTENT="operational" WIDTH="121" HPOS="1335" VPOS="1860" ID="st13-771"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl13-85" WIDTH="53" HEIGHT="24"><String HEIGHT="24" CONTENT="risks" WIDTH="44" HPOS="858" VPOS="1896" ID="st13-772"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="902" VPOS="1896" ID="st13-773"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl13-86" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Intense" WIDTH="77" HPOS="858" VPOS="1968" ID="st13-774"/><SP/><String HEIGHT="24" CONTENT="competition" WIDTH="129" HPOS="946" VPOS="1968" ID="st13-775"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1087" VPOS="1968" ID="st13-776"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1118" VPOS="1968" ID="st13-777"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1165" VPOS="1968" ID="st13-778"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="1266" VPOS="1968" ID="st13-779"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1342" VPOS="1968" ID="st13-780"/><SP/><String HEIGHT="24" CONTENT="driven" WIDTH="66" HPOS="1390" VPOS="1968" ID="st13-781"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl13-87" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="pressure" WIDTH="88" HPOS="858" VPOS="2004" ID="st13-782"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="956" VPOS="2004" ID="st13-783"/><SP/><String HEIGHT="24" CONTENT="restructure" WIDTH="114" HPOS="988" VPOS="2004" ID="st13-784"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1112" VPOS="2004" ID="st13-785"/><SP/><String HEIGHT="24" CONTENT="downsize" WIDTH="100" HPOS="1162" VPOS="2004" ID="st13-786"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="1272" VPOS="2004" ID="st13-787"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="1304" VPOS="2004" ID="st13-788"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="1357" VPOS="2004" ID="st13-789"/><SP/><String HEIGHT="24" CONTENT="imple" WIDTH="55" HPOS="1390" VPOS="2004" ID="st13-790" SUBS_TYPE="HypPart1" SUBS_CONTENT="implement"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="2004" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="2040" ID="tl13-88" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ment" WIDTH="56" HPOS="858" VPOS="2040" ID="st13-791" SUBS_TYPE="HypPart2" SUBS_CONTENT="implement"/><SP/><String HEIGHT="24" CONTENT="increasingly" WIDTH="125" HPOS="930" VPOS="2040" ID="st13-792"/><SP/><String HEIGHT="24" CONTENT="aggressive" WIDTH="111" HPOS="1072" VPOS="2040" ID="st13-793"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="51" HPOS="1199" VPOS="2040" ID="st13-794"/><SP/><String HEIGHT="24" CONTENT="tactics" WIDTH="67" HPOS="1267" VPOS="2040" ID="st13-795"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1351" VPOS="2040" ID="st13-796"/><SP/><String HEIGHT="24" CONTENT="risky" WIDTH="48" HPOS="1408" VPOS="2040" ID="st13-797"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl13-89" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="12" WIDTH="32" HPOS="810" VPOS="2254" ID="st13-798"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="14" ID="p840453" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840453" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840453" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl14-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st14-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st14-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st14-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st14-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st14-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st14-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st14-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st14-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st14-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st14-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st14-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st14-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st14-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st14-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st14-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st14-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st14-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st14-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st14-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl14-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="products" WIDTH="88" HPOS="196" VPOS="307" ID="st14-19"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="284" VPOS="307" ID="st14-20"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="305" VPOS="307" ID="st14-21"/><SP/><String HEIGHT="24" CONTENT="diversification" WIDTH="146" HPOS="353" VPOS="307" ID="st14-22"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="508" VPOS="307" ID="st14-23"/><SP/><String HEIGHT="24" CONTENT="services" WIDTH="80" HPOS="540" VPOS="307" ID="st14-24"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="629" VPOS="307" ID="st14-25"/><SP/><String HEIGHT="24" CONTENT="came" WIDTH="57" HPOS="681" VPOS="307" ID="st14-26"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="748" VPOS="307" ID="st14-27"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl14-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="industry" WIDTH="86" HPOS="196" VPOS="343" ID="st14-28"/><SP/><String HEIGHT="24" CONTENT="consolidation" WIDTH="143" HPOS="297" VPOS="343" ID="st14-29"/><SP/><String HEIGHT="24" CONTENT="led" WIDTH="33" HPOS="454" VPOS="343" ID="st14-30"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="501" VPOS="343" ID="st14-31"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="579" VPOS="343" ID="st14-32"/><SP/><String HEIGHT="24" CONTENT="transfer" WIDTH="83" HPOS="616" VPOS="343" ID="st14-33"/><SP/><String HEIGHT="24" CONTENT="services" WIDTH="82" HPOS="713" VPOS="343" ID="st14-34"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl14-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="increasingly" WIDTH="124" HPOS="196" VPOS="379" ID="st14-35"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="330" VPOS="379" ID="st14-36"/><SP/><String HEIGHT="24" CONTENT="customer" WIDTH="99" HPOS="363" VPOS="379" ID="st14-37"/><SP/><String HEIGHT="24" CONTENT="control" WIDTH="74" HPOS="473" VPOS="379" ID="st14-38"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="558" VPOS="379" ID="st14-39"/><String HEIGHT="24" CONTENT="e" WIDTH="9" HPOS="567" VPOS="379" ID="st14-40"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="576" VPOS="379" ID="st14-41"/><String HEIGHT="24" CONTENT="g" WIDTH="9" HPOS="585" VPOS="379" ID="st14-42"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="594" VPOS="379" ID="st14-43"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="603" VPOS="379" ID="st14-44"/><SP/><String HEIGHT="24" CONTENT="home" WIDTH="61" HPOS="623" VPOS="379" ID="st14-45"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="77" HPOS="695" VPOS="379" ID="st14-46"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="772" VPOS="379" ID="st14-47"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="783" VPOS="379" ID="st14-48"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl14-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="196" VPOS="415" ID="st14-49"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="108" HPOS="263" VPOS="415" ID="st14-50"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="371" VPOS="415" ID="st14-51"/><SP/><String HEIGHT="24" CONTENT="functions" WIDTH="99" HPOS="396" VPOS="415" ID="st14-52"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="509" VPOS="415" ID="st14-53"/><SP/><String HEIGHT="24" CONTENT="therefore" WIDTH="99" HPOS="574" VPOS="415" ID="st14-54"/><SP/><String HEIGHT="24" CONTENT="redefined" WIDTH="98" HPOS="686" VPOS="415" ID="st14-55"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="415" ID="st14-56"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl14-5" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="becoming" WIDTH="106" HPOS="196" VPOS="451" ID="st14-57"/><SP/><String HEIGHT="24" CONTENT="something" WIDTH="112" HPOS="311" VPOS="451" ID="st14-58"/><SP/><String HEIGHT="24" CONTENT="closer" WIDTH="61" HPOS="432" VPOS="451" ID="st14-59"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="502" VPOS="451" ID="st14-60"/><String HEIGHT="24" CONTENT="»" WIDTH="13" HPOS="533" VPOS="451" ID="st14-61"/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="546" VPOS="451" ID="st14-62"/><SP/><String HEIGHT="24" CONTENT="sellers" WIDTH="68" HPOS="608" VPOS="451" ID="st14-63"/><String HEIGHT="24" CONTENT="«" WIDTH="10" HPOS="676" VPOS="451" ID="st14-64"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="694" VPOS="451" ID="st14-65"/><String HEIGHT="24" CONTENT="Giogi" WIDTH="50" HPOS="704" VPOS="451" ID="st14-66"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="754" VPOS="451" ID="st14-67"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="774" VPOS="451" ID="st14-68"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl14-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="al" WIDTH="16" HPOS="196" VPOS="488" ID="st14-69"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="212" VPOS="488" ID="st14-70"/><String HEIGHT="23" CONTENT="," WIDTH="8" HPOS="220" VPOS="488" ID="st14-71"/><SP/><String HEIGHT="23" CONTENT="2017" WIDTH="46" HPOS="237" VPOS="488" ID="st14-72"/><String HEIGHT="23" CONTENT=")" WIDTH="12" HPOS="283" VPOS="488" ID="st14-73"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="295" VPOS="488" ID="st14-74"/><SP/><String HEIGHT="23" CONTENT="As" WIDTH="27" HPOS="315" VPOS="488" ID="st14-75"/><String HEIGHT="23" CONTENT="»" WIDTH="13" HPOS="351" VPOS="488" ID="st14-76"/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="364" VPOS="488" ID="st14-77"/><SP/><String HEIGHT="23" CONTENT="sellers" WIDTH="66" HPOS="426" VPOS="488" ID="st14-78"/><String HEIGHT="23" CONTENT="«" WIDTH="9" HPOS="492" VPOS="488" ID="st14-79"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="501" VPOS="488" ID="st14-80"/><SP/><String HEIGHT="23" CONTENT="employees" WIDTH="112" HPOS="520" VPOS="488" ID="st14-81"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="641" VPOS="488" ID="st14-82"/><SP/><String HEIGHT="23" CONTENT="goals" WIDTH="55" HPOS="700" VPOS="488" ID="st14-83"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="764" VPOS="488" ID="st14-84"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl14-7" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="selling" WIDTH="67" HPOS="196" VPOS="524" ID="st14-85"/><SP/><String HEIGHT="23" CONTENT="products" WIDTH="92" HPOS="272" VPOS="524" ID="st14-86"/><SP/><String HEIGHT="23" CONTENT="as" WIDTH="22" HPOS="373" VPOS="524" ID="st14-87"/><SP/><String HEIGHT="23" CONTENT="well" WIDTH="43" HPOS="404" VPOS="524" ID="st14-88"/><SP/><String HEIGHT="23" CONTENT="as" WIDTH="22" HPOS="456" VPOS="524" ID="st14-89"/><SP/><String HEIGHT="23" CONTENT="metrics" WIDTH="76" HPOS="487" VPOS="524" ID="st14-90"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="572" VPOS="524" ID="st14-91"/><SP/><String HEIGHT="23" CONTENT="score" WIDTH="55" HPOS="624" VPOS="524" ID="st14-92"/><SP/><String HEIGHT="23" CONTENT="both" WIDTH="50" HPOS="687" VPOS="524" ID="st14-93"/><SP/><String HEIGHT="23" CONTENT="their" WIDTH="49" HPOS="746" VPOS="524" ID="st14-94"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl14-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="pace" WIDTH="50" HPOS="196" VPOS="560" ID="st14-95"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="253" VPOS="560" ID="st14-96"/><SP/><String HEIGHT="24" CONTENT="success" WIDTH="78" HPOS="299" VPOS="560" ID="st14-97"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="384" VPOS="560" ID="st14-98"/><SP/><String HEIGHT="24" CONTENT="generating" WIDTH="116" HPOS="409" VPOS="560" ID="st14-99"/><SP/><String HEIGHT="24" CONTENT="income" WIDTH="78" HPOS="531" VPOS="560" ID="st14-100"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="615" VPOS="560" ID="st14-101"/><SP/><String HEIGHT="24" CONTENT="origination" WIDTH="111" HPOS="673" VPOS="560" ID="st14-102"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="560" ID="st14-103"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl14-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="servicing" WIDTH="90" HPOS="196" VPOS="596" ID="st14-104"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="286" VPOS="596" ID="st14-105"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="307" VPOS="596" ID="st14-106"/><SP/><String HEIGHT="24" CONTENT="collections" WIDTH="112" HPOS="359" VPOS="596" ID="st14-107"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="482" VPOS="596" ID="st14-108"/><String HEIGHT="24" CONTENT="Adrian" WIDTH="68" HPOS="493" VPOS="596" ID="st14-109"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="572" VPOS="596" ID="st14-110"/><SP/><String HEIGHT="24" CONTENT="Ashcraft" WIDTH="86" HPOS="624" VPOS="596" ID="st14-111"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="710" VPOS="596" ID="st14-112"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="50" HPOS="732" VPOS="596" ID="st14-113"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="782" VPOS="596" ID="st14-114"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl14-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="632" ID="st14-115"/><SP/><String HEIGHT="24" CONTENT="McGrath" WIDTH="89" HPOS="245" VPOS="632" ID="st14-116"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="334" VPOS="632" ID="st14-117"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="355" VPOS="632" ID="st14-118"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="384" VPOS="632" ID="st14-119"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="400" VPOS="632" ID="st14-120"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="408" VPOS="632" ID="st14-121"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="425" VPOS="632" ID="st14-122"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="471" VPOS="632" ID="st14-123"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="482" VPOS="632" ID="st14-124"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="503" VPOS="632" ID="st14-125"/><SP/><String HEIGHT="24" CONTENT="trends" WIDTH="66" HPOS="572" VPOS="632" ID="st14-126"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="647" VPOS="632" ID="st14-127"/><SP/><String HEIGHT="24" CONTENT="correlated" WIDTH="107" HPOS="688" VPOS="632" ID="st14-128"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl14-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="196" VPOS="668" ID="st14-129"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="253" VPOS="668" ID="st14-130"/><SP/><String HEIGHT="24" CONTENT="sharp" WIDTH="59" HPOS="274" VPOS="668" ID="st14-131"/><SP/><String HEIGHT="24" CONTENT="increase" WIDTH="86" HPOS="342" VPOS="668" ID="st14-132"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="437" VPOS="668" ID="st14-133"/><SP/><String HEIGHT="24" CONTENT="work" WIDTH="45" HPOS="465" VPOS="668" ID="st14-134"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="510" VPOS="668" ID="st14-135"/><String HEIGHT="24" CONTENT="related" WIDTH="80" HPOS="521" VPOS="668" ID="st14-136"/><SP/><String HEIGHT="24" CONTENT="stress" WIDTH="55" HPOS="610" VPOS="668" ID="st14-137"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="665" VPOS="668" ID="st14-138"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="684" VPOS="668" ID="st14-139"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="757" VPOS="668" ID="st14-140"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl14-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="diminish" WIDTH="89" HPOS="196" VPOS="704" ID="st14-141"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="294" VPOS="704" ID="st14-142"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="374" VPOS="704" ID="st14-143"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="395" VPOS="704" ID="st14-144"/><SP/><String HEIGHT="24" CONTENT="organizations" WIDTH="139" HPOS="445" VPOS="704" ID="st14-145"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="584" VPOS="704" ID="st14-146"/><SP/><String HEIGHT="24" CONTENT="psychological" WIDTH="141" HPOS="604" VPOS="704" ID="st14-147"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="754" VPOS="704" ID="st14-148"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl14-13" WIDTH="371" HEIGHT="24"><String HEIGHT="24" CONTENT="physical" WIDTH="84" HPOS="196" VPOS="740" ID="st14-149"/><SP/><String HEIGHT="24" CONTENT="health" WIDTH="66" HPOS="287" VPOS="740" ID="st14-150"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="360" VPOS="740" ID="st14-151"/><String HEIGHT="24" CONTENT="Giogi" WIDTH="54" HPOS="370" VPOS="740" ID="st14-152"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="431" VPOS="740" ID="st14-153"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="459" VPOS="740" ID="st14-154"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="475" VPOS="740" ID="st14-155"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="483" VPOS="740" ID="st14-156"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="46" HPOS="498" VPOS="740" ID="st14-157"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="544" VPOS="740" ID="st14-158"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="555" VPOS="740" ID="st14-159"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl14-14" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="An" WIDTH="31" HPOS="196" VPOS="813" ID="st14-160"/><SP/><String HEIGHT="23" CONTENT="anecdote" WIDTH="97" HPOS="234" VPOS="813" ID="st14-161"/><SP/><String HEIGHT="23" CONTENT="from" WIDTH="50" HPOS="338" VPOS="813" ID="st14-162"/><SP/><String HEIGHT="23" CONTENT="Wells" WIDTH="56" HPOS="395" VPOS="813" ID="st14-163"/><SP/><String HEIGHT="23" CONTENT="Fargo" WIDTH="59" HPOS="458" VPOS="813" ID="st14-164"/><SP/><String HEIGHT="23" CONTENT="demonstrates" WIDTH="141" HPOS="524" VPOS="813" ID="st14-165"/><SP/><String HEIGHT="23" CONTENT="this" WIDTH="36" HPOS="673" VPOS="813" ID="st14-166"/><SP/><String HEIGHT="23" CONTENT="correla" WIDTH="70" HPOS="716" VPOS="813" ID="st14-167" SUBS_TYPE="HypPart1" SUBS_CONTENT="correlation"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="813" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl14-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="tion" WIDTH="38" HPOS="196" VPOS="849" ID="st14-168" SUBS_TYPE="HypPart2" SUBS_CONTENT="correlation"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="234" VPOS="849" ID="st14-169"/><SP/><String HEIGHT="23" CONTENT="Due" WIDTH="42" HPOS="254" VPOS="849" ID="st14-170"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="306" VPOS="849" ID="st14-171"/><SP/><String HEIGHT="23" CONTENT="productivity" WIDTH="116" HPOS="338" VPOS="849" ID="st14-172"/><String HEIGHT="23" CONTENT="," WIDTH="9" HPOS="454" VPOS="849" ID="st14-173"/><SP/><String HEIGHT="23" CONTENT="loyalty" WIDTH="62" HPOS="474" VPOS="849" ID="st14-174"/><String HEIGHT="23" CONTENT="," WIDTH="9" HPOS="536" VPOS="849" ID="st14-175"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="555" VPOS="849" ID="st14-176"/><SP/><String HEIGHT="23" CONTENT="other" WIDTH="56" HPOS="605" VPOS="849" ID="st14-177"/><SP/><String HEIGHT="23" CONTENT="metrics" WIDTH="75" HPOS="670" VPOS="849" ID="st14-178"/><SP/><String HEIGHT="23" CONTENT="tied" WIDTH="40" HPOS="755" VPOS="849" ID="st14-179"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl14-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="196" VPOS="885" ID="st14-180"/><SP/><String HEIGHT="24" CONTENT="incentive" WIDTH="93" HPOS="225" VPOS="885" ID="st14-181"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="30" HPOS="325" VPOS="885" ID="st14-182"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="355" VPOS="885" ID="st14-183"/><SP/><String HEIGHT="24" CONTENT="Employee" WIDTH="101" HPOS="373" VPOS="885" ID="st14-184"/><SP/><String HEIGHT="24" CONTENT="A" WIDTH="17" HPOS="481" VPOS="885" ID="st14-185"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="505" VPOS="885" ID="st14-186"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="531" VPOS="885" ID="st14-187"/><SP/><String HEIGHT="24" CONTENT="Wealth" WIDTH="74" HPOS="573" VPOS="885" ID="st14-188"/><SP/><String HEIGHT="24" CONTENT="Division" WIDTH="81" HPOS="654" VPOS="885" ID="st14-189"/><SP/><String HEIGHT="24" CONTENT="faces" WIDTH="53" HPOS="742" VPOS="885" ID="st14-190"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl14-17" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="incredible" WIDTH="100" HPOS="196" VPOS="921" ID="st14-191"/><SP/><String HEIGHT="24" CONTENT="pressure" WIDTH="82" HPOS="303" VPOS="921" ID="st14-192"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="385" VPOS="921" ID="st14-193"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="402" VPOS="921" ID="st14-194"/><SP/><String HEIGHT="24" CONTENT="general" WIDTH="73" HPOS="428" VPOS="921" ID="st14-195"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="501" VPOS="921" ID="st14-196"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="519" VPOS="921" ID="st14-197"/><SP/><String HEIGHT="24" CONTENT="close" WIDTH="52" HPOS="547" VPOS="921" ID="st14-198"/><SP/><String HEIGHT="24" CONTENT="complicated" WIDTH="121" HPOS="606" VPOS="921" ID="st14-199"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="727" VPOS="921" ID="st14-200"/><SP/><String HEIGHT="24" CONTENT="non" WIDTH="37" HPOS="746" VPOS="921" ID="st14-201" SUBS_TYPE="HypPart1" SUBS_CONTENT="nonconforming"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="921" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="957" ID="tl14-18" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="conforming" WIDTH="122" HPOS="196" VPOS="957" ID="st14-202" SUBS_TYPE="HypPart2" SUBS_CONTENT="nonconforming"/><SP/><String HEIGHT="24" CONTENT="mortgages" WIDTH="106" HPOS="329" VPOS="957" ID="st14-203"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="435" VPOS="957" ID="st14-204"/><SP/><String HEIGHT="24" CONTENT="Employee" WIDTH="101" HPOS="458" VPOS="957" ID="st14-205"/><SP/><String HEIGHT="24" CONTENT="A" WIDTH="17" HPOS="570" VPOS="957" ID="st14-206"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="597" VPOS="957" ID="st14-207"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="52" HPOS="644" VPOS="957" ID="st14-208"/><SP/><String HEIGHT="24" CONTENT="deterred" WIDTH="88" HPOS="707" VPOS="957" ID="st14-209"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl14-19" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="196" VPOS="993" ID="st14-210"/><SP/><String HEIGHT="24" CONTENT="renewing" WIDTH="98" HPOS="260" VPOS="993" ID="st14-211"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="372" VPOS="993" ID="st14-212"/><SP/><String HEIGHT="24" CONTENT="notary" WIDTH="68" HPOS="397" VPOS="993" ID="st14-213"/><SP/><String HEIGHT="24" CONTENT="certification" WIDTH="120" HPOS="478" VPOS="993" ID="st14-214"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="598" VPOS="993" ID="st14-215"/><SP/><String HEIGHT="24" CONTENT="after" WIDTH="49" HPOS="621" VPOS="993" ID="st14-216"/><SP/><String HEIGHT="24" CONTENT="witnessing" WIDTH="111" HPOS="683" VPOS="993" ID="st14-217"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl14-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Employee" WIDTH="101" HPOS="196" VPOS="1029" ID="st14-218"/><SP/><String HEIGHT="24" CONTENT="B" WIDTH="9" HPOS="302" VPOS="1029" ID="st14-219"/><String HEIGHT="24" CONTENT="’" WIDTH="9" HPOS="311" VPOS="1029" ID="st14-220"/><String HEIGHT="24" CONTENT="s" WIDTH="10" HPOS="320" VPOS="1029" ID="st14-221"/><SP/><String HEIGHT="24" CONTENT="experience" WIDTH="111" HPOS="335" VPOS="1029" ID="st14-222"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="451" VPOS="1029" ID="st14-223"/><SP/><String HEIGHT="24" CONTENT="receiving" WIDTH="92" HPOS="478" VPOS="1029" ID="st14-224"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="575" VPOS="1029" ID="st14-225"/><SP/><String HEIGHT="24" CONTENT="excessive" WIDTH="94" HPOS="606" VPOS="1029" ID="st14-226"/><SP/><String HEIGHT="24" CONTENT="caseload" WIDTH="90" HPOS="705" VPOS="1029" ID="st14-227"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl14-21" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="because" WIDTH="85" HPOS="196" VPOS="1065" ID="st14-228"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="45" HPOS="289" VPOS="1065" ID="st14-229"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="57" HPOS="342" VPOS="1065" ID="st14-230"/><SP/><String HEIGHT="24" CONTENT="complete" WIDTH="97" HPOS="407" VPOS="1065" ID="st14-231"/><SP/><String HEIGHT="24" CONTENT="deals" WIDTH="53" HPOS="512" VPOS="1065" ID="st14-232"/><SP/><String HEIGHT="24" CONTENT="requiring" WIDTH="93" HPOS="573" VPOS="1065" ID="st14-233"/><SP/><String HEIGHT="24" CONTENT="review" WIDTH="68" HPOS="674" VPOS="1065" ID="st14-234"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="24" HPOS="750" VPOS="1065" ID="st14-235"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="782" VPOS="1065" ID="st14-236"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl14-22" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="certified" WIDTH="84" HPOS="196" VPOS="1101" ID="st14-237"/><SP/><String HEIGHT="24" CONTENT="employee" WIDTH="96" HPOS="289" VPOS="1101" ID="st14-238"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="385" VPOS="1101" ID="st14-239"/><SP/><String HEIGHT="24" CONTENT="Employee" WIDTH="101" HPOS="406" VPOS="1101" ID="st14-240"/><SP/><String HEIGHT="24" CONTENT="B" WIDTH="9" HPOS="516" VPOS="1101" ID="st14-241"/><String HEIGHT="24" CONTENT="’" WIDTH="9" HPOS="525" VPOS="1101" ID="st14-242"/><String HEIGHT="24" CONTENT="s" WIDTH="9" HPOS="534" VPOS="1101" ID="st14-243"/><SP/><String HEIGHT="24" CONTENT="excessive" WIDTH="94" HPOS="552" VPOS="1101" ID="st14-244"/><SP/><String HEIGHT="24" CONTENT="caseload" WIDTH="90" HPOS="655" VPOS="1101" ID="st14-245"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="754" VPOS="1101" ID="st14-246"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="782" VPOS="1101" ID="st14-247"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl14-23" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="high" WIDTH="47" HPOS="196" VPOS="1138" ID="st14-248"/><SP/><String HEIGHT="23" CONTENT="pressure" WIDTH="86" HPOS="253" VPOS="1138" ID="st14-249"/><SP/><String HEIGHT="23" CONTENT="environment" WIDTH="132" HPOS="350" VPOS="1138" ID="st14-250"/><SP/><String HEIGHT="23" CONTENT="led" WIDTH="31" HPOS="492" VPOS="1138" ID="st14-251"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="534" VPOS="1138" ID="st14-252"/><SP/><String HEIGHT="23" CONTENT="lawsuits" WIDTH="83" HPOS="566" VPOS="1138" ID="st14-253"/><SP/><String HEIGHT="23" CONTENT="over" WIDTH="45" HPOS="660" VPOS="1138" ID="st14-254"/><SP/><String HEIGHT="23" CONTENT="foreclo" WIDTH="70" HPOS="715" VPOS="1138" ID="st14-255" SUBS_TYPE="HypPart1" SUBS_CONTENT="foreclosure"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1138" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl14-24" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="sure" WIDTH="40" HPOS="196" VPOS="1174" ID="st14-256" SUBS_TYPE="HypPart2" SUBS_CONTENT="foreclosure"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="236" VPOS="1174" ID="st14-257"/><SP/><String HEIGHT="23" CONTENT="which" WIDTH="63" HPOS="254" VPOS="1174" ID="st14-258"/><SP/><String HEIGHT="23" CONTENT="placed" WIDTH="68" HPOS="324" VPOS="1174" ID="st14-259"/><SP/><String HEIGHT="23" CONTENT="an" WIDTH="26" HPOS="399" VPOS="1174" ID="st14-260"/><SP/><String HEIGHT="23" CONTENT="extraordinary" WIDTH="137" HPOS="433" VPOS="1174" ID="st14-261"/><SP/><String HEIGHT="23" CONTENT="burden" WIDTH="75" HPOS="577" VPOS="1174" ID="st14-262"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="27" HPOS="659" VPOS="1174" ID="st14-263"/><SP/><String HEIGHT="23" CONTENT="Employee" WIDTH="101" HPOS="694" VPOS="1174" ID="st14-264"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl14-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="B" WIDTH="10" HPOS="196" VPOS="1210" ID="st14-265"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="206" VPOS="1210" ID="st14-266"/><SP/><String HEIGHT="24" CONTENT="Witnessing" WIDTH="115" HPOS="223" VPOS="1210" ID="st14-267"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="343" VPOS="1210" ID="st14-268"/><SP/><String HEIGHT="24" CONTENT="colleague" WIDTH="91" HPOS="386" VPOS="1210" ID="st14-269"/><String HEIGHT="24" CONTENT="’" WIDTH="10" HPOS="477" VPOS="1210" ID="st14-270"/><String HEIGHT="24" CONTENT="s" WIDTH="11" HPOS="487" VPOS="1210" ID="st14-271"/><SP/><String HEIGHT="24" CONTENT="distress" WIDTH="72" HPOS="504" VPOS="1210" ID="st14-272"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="576" VPOS="1210" ID="st14-273"/><SP/><String HEIGHT="24" CONTENT="Employee" WIDTH="101" HPOS="592" VPOS="1210" ID="st14-274"/><SP/><String HEIGHT="24" CONTENT="A" WIDTH="17" HPOS="698" VPOS="1210" ID="st14-275"/><SP/><String HEIGHT="24" CONTENT="did" WIDTH="33" HPOS="721" VPOS="1210" ID="st14-276"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="36" HPOS="759" VPOS="1210" ID="st14-277"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl14-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="renew" WIDTH="66" HPOS="196" VPOS="1246" ID="st14-278"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="272" VPOS="1246" ID="st14-279"/><SP/><String HEIGHT="24" CONTENT="notary" WIDTH="67" HPOS="330" VPOS="1246" ID="st14-280"/><SP/><String HEIGHT="24" CONTENT="certification" WIDTH="122" HPOS="408" VPOS="1246" ID="st14-281"/><SP/><String HEIGHT="24" CONTENT="out" WIDTH="36" HPOS="540" VPOS="1246" ID="st14-282"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="586" VPOS="1246" ID="st14-283"/><SP/><String HEIGHT="24" CONTENT="fear" WIDTH="41" HPOS="619" VPOS="1246" ID="st14-284"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="56" HPOS="670" VPOS="1246" ID="st14-285"/><SP/><String HEIGHT="24" CONTENT="Fargo" WIDTH="59" HPOS="736" VPOS="1246" ID="st14-286"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl14-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="would" WIDTH="66" HPOS="196" VPOS="1282" ID="st14-287"/><SP/><String HEIGHT="24" CONTENT="continue" WIDTH="91" HPOS="270" VPOS="1282" ID="st14-288"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="369" VPOS="1282" ID="st14-289"/><SP/><String HEIGHT="24" CONTENT="lack" WIDTH="41" HPOS="398" VPOS="1282" ID="st14-290"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="447" VPOS="1282" ID="st14-291"/><SP/><String HEIGHT="24" CONTENT="internal" WIDTH="79" HPOS="489" VPOS="1282" ID="st14-292"/><SP/><String HEIGHT="24" CONTENT="controls" WIDTH="82" HPOS="576" VPOS="1282" ID="st14-293"/><SP/><String HEIGHT="24" CONTENT="necessary" WIDTH="99" HPOS="666" VPOS="1282" ID="st14-294"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="773" VPOS="1282" ID="st14-295"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl14-28" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="allow" WIDTH="56" HPOS="196" VPOS="1318" ID="st14-296"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="257" VPOS="1318" ID="st14-297"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="292" VPOS="1318" ID="st14-298"/><SP/><String HEIGHT="24" CONTENT="employee" WIDTH="101" HPOS="323" VPOS="1318" ID="st14-299"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="429" VPOS="1318" ID="st14-300"/><SP/><String HEIGHT="24" CONTENT="review" WIDTH="67" HPOS="456" VPOS="1318" ID="st14-301"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="528" VPOS="1318" ID="st14-302"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="45" HPOS="545" VPOS="1318" ID="st14-303"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="595" VPOS="1318" ID="st14-304"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="647" VPOS="1318" ID="st14-305"/><SP/><String HEIGHT="24" CONTENT="amount" WIDTH="82" HPOS="686" VPOS="1318" ID="st14-306"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="772" VPOS="1318" ID="st14-307"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl14-29" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="time" WIDTH="47" HPOS="196" VPOS="1354" ID="st14-308"/><SP/><String HEIGHT="24" CONTENT="necessary" WIDTH="92" HPOS="251" VPOS="1354" ID="st14-309"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="343" VPOS="1354" ID="st14-310"/><SP/><String HEIGHT="24" CONTENT="Employee" WIDTH="101" HPOS="362" VPOS="1354" ID="st14-311"/><SP/><String HEIGHT="24" CONTENT="A" WIDTH="17" HPOS="471" VPOS="1354" ID="st14-312"/><SP/><String HEIGHT="24" CONTENT="reports" WIDTH="73" HPOS="496" VPOS="1354" ID="st14-313"/><SP/><String HEIGHT="24" CONTENT="extremely" WIDTH="100" HPOS="577" VPOS="1354" ID="st14-314"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="46" HPOS="685" VPOS="1354" ID="st14-315"/><SP/><String HEIGHT="24" CONTENT="levels" WIDTH="56" HPOS="739" VPOS="1354" ID="st14-316"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl14-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="196" VPOS="1390" ID="st14-317"/><SP/><String HEIGHT="24" CONTENT="stress" WIDTH="57" HPOS="223" VPOS="1390" ID="st14-318"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="42" HPOS="285" VPOS="1390" ID="st14-319"/><SP/><String HEIGHT="24" CONTENT="cause" WIDTH="59" HPOS="332" VPOS="1390" ID="st14-320"/><SP/><String HEIGHT="24" CONTENT="migraines" WIDTH="96" HPOS="396" VPOS="1390" ID="st14-321"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="492" VPOS="1390" ID="st14-322"/><SP/><String HEIGHT="24" CONTENT="hair" WIDTH="40" HPOS="508" VPOS="1390" ID="st14-323"/><SP/><String HEIGHT="24" CONTENT="loss" WIDTH="35" HPOS="553" VPOS="1390" ID="st14-324"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="588" VPOS="1390" ID="st14-325"/><SP/><String HEIGHT="24" CONTENT="severe" WIDTH="65" HPOS="602" VPOS="1390" ID="st14-326"/><SP/><String HEIGHT="24" CONTENT="anxiety" WIDTH="68" HPOS="672" VPOS="1390" ID="st14-327"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="740" VPOS="1390" ID="st14-328"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="755" VPOS="1390" ID="st14-329"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl14-31" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="depression" WIDTH="112" HPOS="196" VPOS="1426" ID="st14-330"/><String HEIGHT="24" CONTENT="(" WIDTH="13" HPOS="315" VPOS="1426" ID="st14-331"/><String HEIGHT="24" CONTENT="Anonymous" WIDTH="119" HPOS="328" VPOS="1426" ID="st14-332"/><SP/><String HEIGHT="24" CONTENT="employee" WIDTH="96" HPOS="454" VPOS="1426" ID="st14-333"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="550" VPOS="1426" ID="st14-334"/><SP/><String HEIGHT="24" CONTENT="personal" WIDTH="89" HPOS="569" VPOS="1426" ID="st14-335"/><SP/><String HEIGHT="24" CONTENT="communica" WIDTH="117" HPOS="665" VPOS="1426" ID="st14-336" SUBS_TYPE="HypPart1" SUBS_CONTENT="communication"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="1426" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl14-32" WIDTH="311" HEIGHT="23"><String HEIGHT="23" CONTENT="tion" WIDTH="41" HPOS="196" VPOS="1463" ID="st14-337" SUBS_TYPE="HypPart2" SUBS_CONTENT="communication"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="244" VPOS="1463" ID="st14-338"/><SP/><String HEIGHT="23" CONTENT="author" WIDTH="63" HPOS="272" VPOS="1463" ID="st14-339"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="335" VPOS="1463" ID="st14-340"/><SP/><String HEIGHT="23" CONTENT="30" WIDTH="27" HPOS="353" VPOS="1463" ID="st14-341"/><SP/><String HEIGHT="23" CONTENT="May" WIDTH="45" HPOS="387" VPOS="1463" ID="st14-342"/><SP/><String HEIGHT="23" CONTENT="2018" WIDTH="46" HPOS="438" VPOS="1463" ID="st14-343"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="484" VPOS="1463" ID="st14-344"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="495" VPOS="1463" ID="st14-345"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl14-33" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="An" WIDTH="31" HPOS="196" VPOS="1535" ID="st14-346"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="89" HPOS="232" VPOS="1535" ID="st14-347"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="327" VPOS="1535" ID="st14-348"/><SP/><String HEIGHT="24" CONTENT="Italy" WIDTH="43" HPOS="383" VPOS="1535" ID="st14-349"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="431" VPOS="1535" ID="st14-350"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="452" VPOS="1535" ID="st14-351"/><SP/><String HEIGHT="24" CONTENT="instructive" WIDTH="106" HPOS="499" VPOS="1535" ID="st14-352"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="605" VPOS="1535" ID="st14-353"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="620" VPOS="1535" ID="st14-354"/><SP/><String HEIGHT="24" CONTENT="Italian" WIDTH="64" HPOS="664" VPOS="1535" ID="st14-355"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="49" HPOS="734" VPOS="1535" ID="st14-356" SUBS_TYPE="HypPart1" SUBS_CONTENT="banking"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="1535" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl14-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ing" WIDTH="34" HPOS="196" VPOS="1571" ID="st14-357" SUBS_TYPE="HypPart2" SUBS_CONTENT="banking"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="241" VPOS="1571" ID="st14-358"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="316" VPOS="1571" ID="st14-359"/><SP/><String HEIGHT="24" CONTENT="seen" WIDTH="49" HPOS="363" VPOS="1571" ID="st14-360"/><SP/><String HEIGHT="24" CONTENT="significant" WIDTH="108" HPOS="423" VPOS="1571" ID="st14-361"/><SP/><String HEIGHT="24" CONTENT="merger" WIDTH="76" HPOS="542" VPOS="1571" ID="st14-362"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="629" VPOS="1571" ID="st14-363"/><SP/><String HEIGHT="24" CONTENT="acquisition" WIDTH="114" HPOS="681" VPOS="1571" ID="st14-364"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl14-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="activity" WIDTH="74" HPOS="196" VPOS="1607" ID="st14-365"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="278" VPOS="1607" ID="st14-366"/><SP/><String HEIGHT="24" CONTENT="recent" WIDTH="66" HPOS="333" VPOS="1607" ID="st14-367"/><SP/><String HEIGHT="24" CONTENT="years" WIDTH="50" HPOS="407" VPOS="1607" ID="st14-368"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="457" VPOS="1607" ID="st14-369"/><SP/><String HEIGHT="24" CONTENT="creating" WIDTH="85" HPOS="477" VPOS="1607" ID="st14-370"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="47" HPOS="571" VPOS="1607" ID="st14-371"/><SP/><String HEIGHT="24" CONTENT="risks" WIDTH="46" HPOS="626" VPOS="1607" ID="st14-372"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="681" VPOS="1607" ID="st14-373"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="720" VPOS="1607" ID="st14-374"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl14-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="stress" WIDTH="58" HPOS="196" VPOS="1643" ID="st14-375"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="264" VPOS="1643" ID="st14-376"/><String HEIGHT="24" CONTENT="Manocci" WIDTH="86" HPOS="276" VPOS="1643" ID="st14-377"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="372" VPOS="1643" ID="st14-378"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="403" VPOS="1643" ID="st14-379"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="419" VPOS="1643" ID="st14-380"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="427" VPOS="1643" ID="st14-381"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="445" VPOS="1643" ID="st14-382"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="491" VPOS="1643" ID="st14-383"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="503" VPOS="1643" ID="st14-384"/><SP/><String HEIGHT="24" CONTENT="A" WIDTH="17" HPOS="525" VPOS="1643" ID="st14-385"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="56" HPOS="552" VPOS="1643" ID="st14-386"/><SP/><String HEIGHT="24" CONTENT="study" WIDTH="57" HPOS="618" VPOS="1643" ID="st14-387"/><SP/><String HEIGHT="24" CONTENT="evaluating" WIDTH="110" HPOS="685" VPOS="1643" ID="st14-388"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl14-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1679" ID="st14-389"/><SP/><String HEIGHT="24" CONTENT="stress" WIDTH="58" HPOS="237" VPOS="1679" ID="st14-390"/><SP/><String HEIGHT="24" CONTENT="level" WIDTH="47" HPOS="300" VPOS="1679" ID="st14-391"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="353" VPOS="1679" ID="st14-392"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="52" HPOS="381" VPOS="1679" ID="st14-393"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="113" HPOS="439" VPOS="1679" ID="st14-394"/><SP/><String HEIGHT="24" CONTENT="found" WIDTH="64" HPOS="557" VPOS="1679" ID="st14-395"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="627" VPOS="1679" ID="st14-396"/><SP/><String HEIGHT="24" CONTENT="64" WIDTH="28" HPOS="675" VPOS="1679" ID="st14-397"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="34" HPOS="709" VPOS="1679" ID="st14-398"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="749" VPOS="1679" ID="st14-399"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl14-38" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="felt" WIDTH="35" HPOS="196" VPOS="1715" ID="st14-400"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="241" VPOS="1715" ID="st14-401"/><SP/><String HEIGHT="24" CONTENT="pressure" WIDTH="88" HPOS="286" VPOS="1715" ID="st14-402"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="384" VPOS="1715" ID="st14-403"/><SP/><String HEIGHT="24" CONTENT="sell" WIDTH="33" HPOS="416" VPOS="1715" ID="st14-404"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="459" VPOS="1715" ID="st14-405"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="511" VPOS="1715" ID="st14-406"/><SP/><String HEIGHT="24" CONTENT="conflict" WIDTH="78" HPOS="540" VPOS="1715" ID="st14-407"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="628" VPOS="1715" ID="st14-408"/><SP/><String HEIGHT="24" CONTENT="what" WIDTH="54" HPOS="685" VPOS="1715" ID="st14-409"/><SP/><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="749" VPOS="1715" ID="st14-410"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl14-39" WIDTH="591" HEIGHT="24"><String HEIGHT="24" CONTENT="believed" WIDTH="88" HPOS="196" VPOS="1751" ID="st14-411"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="294" VPOS="1751" ID="st14-412"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="327" VPOS="1751" ID="st14-413"/><SP/><String HEIGHT="24" CONTENT="morally" WIDTH="78" HPOS="364" VPOS="1751" ID="st14-414"/><SP/><String HEIGHT="24" CONTENT="correct" WIDTH="73" HPOS="452" VPOS="1751" ID="st14-415"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="536" VPOS="1751" ID="st14-416"/><String HEIGHT="24" CONTENT="Manocci" WIDTH="85" HPOS="548" VPOS="1751" ID="st14-417"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="643" VPOS="1751" ID="st14-418"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="675" VPOS="1751" ID="st14-419"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="691" VPOS="1751" ID="st14-420"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="699" VPOS="1751" ID="st14-421"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="717" VPOS="1751" ID="st14-422"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="763" VPOS="1751" ID="st14-423"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="775" VPOS="1751" ID="st14-424"/></TextLine><TextLine HPOS="787" VPOS="1751" ID="tl14-40" WIDTH="8" HEIGHT="13"><String HEIGHT="13" CONTENT="8" WIDTH="8" HPOS="787" VPOS="1751" ID="st14-425"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl14-41" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="Italian" WIDTH="64" HPOS="196" VPOS="1788" ID="st14-426"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="71" HPOS="269" VPOS="1788" ID="st14-427"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="348" VPOS="1788" ID="st14-428"/><SP/><String HEIGHT="23" CONTENT="been" WIDTH="52" HPOS="407" VPOS="1788" ID="st14-429"/><SP/><String HEIGHT="23" CONTENT="actively" WIDTH="78" HPOS="468" VPOS="1788" ID="st14-430"/><SP/><String HEIGHT="23" CONTENT="engaging" WIDTH="100" HPOS="554" VPOS="1788" ID="st14-431"/><SP/><String HEIGHT="23" CONTENT="major" WIDTH="61" HPOS="663" VPOS="1788" ID="st14-432"/><SP/><String HEIGHT="23" CONTENT="banks" WIDTH="63" HPOS="732" VPOS="1788" ID="st14-433"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl14-42" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="196" VPOS="1824" ID="st14-434"/><SP/><String HEIGHT="23" CONTENT="these" WIDTH="57" HPOS="231" VPOS="1824" ID="st14-435"/><SP/><String HEIGHT="23" CONTENT="issues" WIDTH="58" HPOS="295" VPOS="1824" ID="st14-436"/><String HEIGHT="23" CONTENT=";" WIDTH="10" HPOS="353" VPOS="1824" ID="st14-437"/><SP/><String HEIGHT="23" CONTENT="at" WIDTH="20" HPOS="371" VPOS="1824" ID="st14-438"/><SP/><String HEIGHT="23" CONTENT="UniCredit" WIDTH="100" HPOS="399" VPOS="1824" ID="st14-439"/><SP/><String HEIGHT="23" CONTENT="Group" WIDTH="61" HPOS="507" VPOS="1824" ID="st14-440"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="568" VPOS="1824" ID="st14-441"/><SP/><String HEIGHT="23" CONTENT="its" WIDTH="24" HPOS="588" VPOS="1824" ID="st14-442"/><SP/><String HEIGHT="23" CONTENT="European" WIDTH="101" HPOS="619" VPOS="1824" ID="st14-443"/><SP/><String HEIGHT="23" CONTENT="Works" WIDTH="68" HPOS="727" VPOS="1824" ID="st14-444"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl14-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Council" WIDTH="81" HPOS="196" VPOS="1860" ID="st14-445"/><String HEIGHT="24" CONTENT="(" WIDTH="13" HPOS="285" VPOS="1860" ID="st14-446"/><String HEIGHT="24" CONTENT="EWC" WIDTH="40" HPOS="298" VPOS="1860" ID="st14-447"/><String HEIGHT="24" CONTENT=")" WIDTH="14" HPOS="338" VPOS="1860" ID="st14-448"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="361" VPOS="1860" ID="st14-449"/><SP/><String HEIGHT="24" CONTENT="engaged" WIDTH="93" HPOS="405" VPOS="1860" ID="st14-450"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="507" VPOS="1860" ID="st14-451"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="563" VPOS="1860" ID="st14-452"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="713" VPOS="1860" ID="st14-453"/><SP/><String HEIGHT="24" CONTENT="core" WIDTH="46" HPOS="749" VPOS="1860" ID="st14-454"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl14-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="issues" WIDTH="62" HPOS="196" VPOS="1896" ID="st14-455"/><SP/><String HEIGHT="24" CONTENT="regarding" WIDTH="103" HPOS="269" VPOS="1896" ID="st14-456"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="383" VPOS="1896" ID="st14-457"/><SP/><String HEIGHT="24" CONTENT="mitigation" WIDTH="109" HPOS="431" VPOS="1896" ID="st14-458"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="551" VPOS="1896" ID="st14-459"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="582" VPOS="1896" ID="st14-460"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="87" HPOS="628" VPOS="1896" ID="st14-461"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="59" HPOS="726" VPOS="1896" ID="st14-462"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="785" VPOS="1896" ID="st14-463"/></TextLine><TextLine HPOS="196" VPOS="1976" ID="tl14-45" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="8" WIDTH="7" HPOS="196" VPOS="1976" ID="st14-464"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="203" VPOS="1976" ID="st14-465"/><String HEIGHT="19" CONTENT=" " WIDTH="8" HPOS="211" VPOS="1976" ID="st14-466"/><SP/><String HEIGHT="19" CONTENT="Additionally" WIDTH="94" HPOS="222" VPOS="1976" ID="st14-467"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="316" VPOS="1976" ID="st14-468"/><SP/><String HEIGHT="19" CONTENT="one" WIDTH="32" HPOS="330" VPOS="1976" ID="st14-469"/><SP/><String HEIGHT="19" CONTENT="quarter" WIDTH="61" HPOS="368" VPOS="1976" ID="st14-470"/><SP/><String HEIGHT="19" CONTENT="fell" WIDTH="25" HPOS="435" VPOS="1976" ID="st14-471"/><SP/><String HEIGHT="19" CONTENT="into" WIDTH="32" HPOS="466" VPOS="1976" ID="st14-472"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="505" VPOS="1976" ID="st14-473"/><String HEIGHT="19" CONTENT="»" WIDTH="8" HPOS="538" VPOS="1976" ID="st14-474"/><String HEIGHT="19" CONTENT="distress" WIDTH="65" HPOS="546" VPOS="1976" ID="st14-475"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="611" VPOS="1976" ID="st14-476"/><SP/><String HEIGHT="19" CONTENT="range" WIDTH="48" HPOS="626" VPOS="1976" ID="st14-477"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="680" VPOS="1976" ID="st14-478"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="703" VPOS="1976" ID="st14-479"/><SP/><String HEIGHT="19" CONTENT="results" WIDTH="50" HPOS="737" VPOS="1976" ID="st14-480"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="787" VPOS="1976" ID="st14-481"/></TextLine><TextLine HPOS="196" VPOS="1999" ID="tl14-46" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="82" WIDTH="22" HPOS="196" VPOS="1999" ID="st14-482"/><SP/><String HEIGHT="19" CONTENT="per" WIDTH="27" HPOS="222" VPOS="1999" ID="st14-483"/><SP/><String HEIGHT="19" CONTENT="cent" WIDTH="35" HPOS="254" VPOS="1999" ID="st14-484"/><SP/><String HEIGHT="19" CONTENT="were" WIDTH="41" HPOS="293" VPOS="1999" ID="st14-485"/><SP/><String HEIGHT="19" CONTENT="anxious" WIDTH="63" HPOS="338" VPOS="1999" ID="st14-486"/><SP/><String HEIGHT="19" CONTENT="about" WIDTH="49" HPOS="405" VPOS="1999" ID="st14-487"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="458" VPOS="1999" ID="st14-488"/><SP/><String HEIGHT="19" CONTENT="failure" WIDTH="51" HPOS="490" VPOS="1999" ID="st14-489"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="545" VPOS="1999" ID="st14-490"/><SP/><String HEIGHT="19" CONTENT="meet" WIDTH="42" HPOS="567" VPOS="1999" ID="st14-491"/><SP/><String HEIGHT="19" CONTENT="goals" WIDTH="40" HPOS="613" VPOS="1999" ID="st14-492"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="653" VPOS="1999" ID="st14-493"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="666" VPOS="1999" ID="st14-494"/><SP/><String HEIGHT="19" CONTENT="84" WIDTH="22" HPOS="702" VPOS="1999" ID="st14-495"/><SP/><String HEIGHT="19" CONTENT="per" WIDTH="27" HPOS="728" VPOS="1999" ID="st14-496"/><SP/><String HEIGHT="19" CONTENT="cent" WIDTH="36" HPOS="759" VPOS="1999" ID="st14-497"/></TextLine><TextLine HPOS="196" VPOS="2023" ID="tl14-47" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="were" WIDTH="41" HPOS="196" VPOS="2023" ID="st14-498"/><SP/><String HEIGHT="18" CONTENT="uncomfortable" WIDTH="122" HPOS="242" VPOS="2023" ID="st14-499"/><SP/><String HEIGHT="18" CONTENT="recommending" WIDTH="125" HPOS="369" VPOS="2023" ID="st14-500"/><SP/><String HEIGHT="18" CONTENT="a" WIDTH="9" HPOS="499" VPOS="2023" ID="st14-501"/><SP/><String HEIGHT="18" CONTENT="product" WIDTH="65" HPOS="513" VPOS="2023" ID="st14-502"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="18" HPOS="582" VPOS="2023" ID="st14-503"/><SP/><String HEIGHT="18" CONTENT="customers" WIDTH="84" HPOS="605" VPOS="2023" ID="st14-504"/><SP/><String HEIGHT="18" CONTENT="just" WIDTH="29" HPOS="694" VPOS="2023" ID="st14-505"/><SP/><String HEIGHT="18" CONTENT="because" WIDTH="67" HPOS="728" VPOS="2023" ID="st14-506"/></TextLine><TextLine HPOS="196" VPOS="2046" ID="tl14-48" WIDTH="246" HEIGHT="19"><String HEIGHT="19" CONTENT="it" WIDTH="11" HPOS="196" VPOS="2046" ID="st14-507"/><SP/><String HEIGHT="19" CONTENT="was" WIDTH="32" HPOS="213" VPOS="2046" ID="st14-508"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="250" VPOS="2046" ID="st14-509"/><SP/><String HEIGHT="19" CONTENT="their" WIDTH="38" HPOS="271" VPOS="2046" ID="st14-510"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="314" VPOS="2046" ID="st14-511"/><String HEIGHT="19" CONTENT="budget" WIDTH="60" HPOS="324" VPOS="2046" ID="st14-512"/><SP/><String HEIGHT="19" CONTENT="goal" WIDTH="34" HPOS="390" VPOS="2046" ID="st14-513"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="424" VPOS="2046" ID="st14-514"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="433" VPOS="2046" ID="st14-515"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl14-49" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="responsible" WIDTH="119" HPOS="858" VPOS="307" ID="st14-516"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="46" HPOS="984" VPOS="307" ID="st14-517"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1030" VPOS="307" ID="st14-518"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="35" HPOS="1047" VPOS="307" ID="st14-519"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1082" VPOS="307" ID="st14-520"/><SP/><String HEIGHT="24" CONTENT="most" WIDTH="53" HPOS="1101" VPOS="307" ID="st14-521"/><SP/><String HEIGHT="24" CONTENT="recently" WIDTH="77" HPOS="1161" VPOS="307" ID="st14-522"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1238" VPOS="307" ID="st14-523"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1255" VPOS="307" ID="st14-524"/><SP/><String HEIGHT="24" CONTENT="three" WIDTH="54" HPOS="1274" VPOS="307" ID="st14-525"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="1328" VPOS="307" ID="st14-526"/><String HEIGHT="24" CONTENT="year" WIDTH="44" HPOS="1338" VPOS="307" ID="st14-527"/><SP/><String HEIGHT="24" CONTENT="proac" WIDTH="56" HPOS="1389" VPOS="307" ID="st14-528" SUBS_TYPE="HypPart1" SUBS_CONTENT="proactive"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="307" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl14-50" WIDTH="582" HEIGHT="24"><String HEIGHT="24" CONTENT="tive" WIDTH="37" HPOS="858" VPOS="343" ID="st14-529" SUBS_TYPE="HypPart2" SUBS_CONTENT="proactive"/><SP/><String HEIGHT="24" CONTENT="plan" WIDTH="46" HPOS="902" VPOS="343" ID="st14-530"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="955" VPOS="343" ID="st14-531"/><SP/><String HEIGHT="24" CONTENT="deal" WIDTH="45" HPOS="984" VPOS="343" ID="st14-532"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1036" VPOS="343" ID="st14-533"/><SP/><String HEIGHT="24" CONTENT="restructuring" WIDTH="135" HPOS="1090" VPOS="343" ID="st14-534"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1232" VPOS="343" ID="st14-535"/><SP/><String HEIGHT="24" CONTENT="reorganization" WIDTH="149" HPOS="1280" VPOS="343" ID="st14-536"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1429" VPOS="343" ID="st14-537"/></TextLine><TextLine HPOS="858" VPOS="444" ID="tl14-51" WIDTH="510" HEIGHT="34"><String HEIGHT="34" CONTENT="Section" WIDTH="112" HPOS="858" VPOS="444" ID="st14-538"/><SP/><String HEIGHT="34" CONTENT="4" WIDTH="15" HPOS="980" VPOS="444" ID="st14-539"/><String HEIGHT="34" CONTENT=":" WIDTH="15" HPOS="995" VPOS="444" ID="st14-540"/><SP/><String HEIGHT="34" CONTENT="International" WIDTH="196" HPOS="1020" VPOS="444" ID="st14-541"/><SP/><String HEIGHT="34" CONTENT="Examples" WIDTH="142" HPOS="1226" VPOS="444" ID="st14-542"/></TextLine><TextLine HPOS="858" VPOS="480" ID="tl14-52" WIDTH="302" HEIGHT="34"><String HEIGHT="34" CONTENT="of" WIDTH="32" HPOS="858" VPOS="480" ID="st14-543"/><SP/><String HEIGHT="34" CONTENT="Workers" WIDTH="128" HPOS="900" VPOS="480" ID="st14-544"/><SP/><String HEIGHT="34" CONTENT="as" WIDTH="32" HPOS="1038" VPOS="480" ID="st14-545"/><SP/><String HEIGHT="34" CONTENT="Allies" WIDTH="80" HPOS="1080" VPOS="480" ID="st14-546"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl14-53" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="858" VPOS="560" ID="st14-547"/><SP/><String HEIGHT="24" CONTENT="economies" WIDTH="114" HPOS="885" VPOS="560" ID="st14-548"/><SP/><String HEIGHT="24" CONTENT="around" WIDTH="76" HPOS="1006" VPOS="560" ID="st14-549"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1090" VPOS="560" ID="st14-550"/><SP/><String HEIGHT="24" CONTENT="world" WIDTH="57" HPOS="1132" VPOS="560" ID="st14-551"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1189" VPOS="560" ID="st14-552"/><SP/><String HEIGHT="24" CONTENT="employers" WIDTH="109" HPOS="1208" VPOS="560" ID="st14-553"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1324" VPOS="560" ID="st14-554"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1351" VPOS="560" ID="st14-555"/><SP/><String HEIGHT="24" CONTENT="finan" WIDTH="52" HPOS="1394" VPOS="560" ID="st14-556" SUBS_TYPE="HypPart1" SUBS_CONTENT="financial"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="560" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl14-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="cial" WIDTH="34" HPOS="858" VPOS="596" ID="st14-557" SUBS_TYPE="HypPart2" SUBS_CONTENT="financial"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="898" VPOS="596" ID="st14-558"/><SP/><String HEIGHT="24" CONTENT="consult" WIDTH="76" HPOS="967" VPOS="596" ID="st14-559"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1049" VPOS="596" ID="st14-560"/><SP/><String HEIGHT="24" CONTENT="negotiate" WIDTH="102" HPOS="1094" VPOS="596" ID="st14-561"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1201" VPOS="596" ID="st14-562"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="79" HPOS="1254" VPOS="596" ID="st14-563"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1333" VPOS="596" ID="st14-564"/><SP/><String HEIGHT="24" CONTENT="organized" WIDTH="105" HPOS="1351" VPOS="596" ID="st14-565"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl14-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="representatives" WIDTH="155" HPOS="858" VPOS="632" ID="st14-566"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1013" VPOS="632" ID="st14-567"/><SP/><String HEIGHT="24" CONTENT="Base" WIDTH="49" HPOS="1033" VPOS="632" ID="st14-568"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="38" HPOS="1091" VPOS="632" ID="st14-569"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1139" VPOS="632" ID="st14-570"/><SP/><String HEIGHT="24" CONTENT="set" WIDTH="30" HPOS="1164" VPOS="632" ID="st14-571"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1204" VPOS="632" ID="st14-572"/><SP/><String HEIGHT="24" CONTENT="national" WIDTH="86" HPOS="1238" VPOS="632" ID="st14-573"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1334" VPOS="632" ID="st14-574"/><SP/><String HEIGHT="24" CONTENT="sectoral" WIDTH="80" HPOS="1366" VPOS="632" ID="st14-575" SUBS_TYPE="HypPart1" SUBS_CONTENT="sectorallevel"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="632" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl14-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="level" WIDTH="47" HPOS="858" VPOS="668" ID="st14-576" SUBS_TYPE="HypPart2" SUBS_CONTENT="sectorallevel"/><SP/><String HEIGHT="24" CONTENT="agreements" WIDTH="125" HPOS="912" VPOS="668" ID="st14-577"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1044" VPOS="668" ID="st14-578"/><SP/><String HEIGHT="24" CONTENT="Europe" WIDTH="69" HPOS="1071" VPOS="668" ID="st14-579"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1140" VPOS="668" ID="st14-580"/><SP/><String HEIGHT="24" CONTENT="while" WIDTH="57" HPOS="1159" VPOS="668" ID="st14-581"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1224" VPOS="668" ID="st14-582"/><SP/><String HEIGHT="24" CONTENT="emerging" WIDTH="102" HPOS="1250" VPOS="668" ID="st14-583"/><SP/><String HEIGHT="24" CONTENT="countries" WIDTH="97" HPOS="1359" VPOS="668" ID="st14-584"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl14-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="858" VPOS="704" ID="st14-585"/><SP/><String HEIGHT="24" CONTENT="South" WIDTH="62" HPOS="884" VPOS="704" ID="st14-586"/><SP/><String HEIGHT="24" CONTENT="America" WIDTH="88" HPOS="953" VPOS="704" ID="st14-587"/><SP/><String HEIGHT="24" CONTENT="wages" WIDTH="68" HPOS="1047" VPOS="704" ID="st14-588"/><SP/><String HEIGHT="24" CONTENT="often" WIDTH="57" HPOS="1122" VPOS="704" ID="st14-589"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="32" HPOS="1186" VPOS="704" ID="st14-590"/><SP/><String HEIGHT="24" CONTENT="set" WIDTH="31" HPOS="1225" VPOS="704" ID="st14-591"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1262" VPOS="704" ID="st14-592"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="39" HPOS="1289" VPOS="704" ID="st14-593"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="1328" VPOS="704" ID="st14-594"/><String HEIGHT="24" CONTENT="level" WIDTH="49" HPOS="1338" VPOS="704" ID="st14-595"/><SP/><String HEIGHT="24" CONTENT="nego" WIDTH="50" HPOS="1394" VPOS="704" ID="st14-596" SUBS_TYPE="HypPart1" SUBS_CONTENT="negotiations"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="704" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl14-58" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tiations" WIDTH="74" HPOS="858" VPOS="740" ID="st14-597" SUBS_TYPE="HypPart2" SUBS_CONTENT="negotiations"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="932" VPOS="740" ID="st14-598"/><SP/><String HEIGHT="24" CONTENT="Collective" WIDTH="103" HPOS="951" VPOS="740" ID="st14-599"/><SP/><String HEIGHT="24" CONTENT="agreements" WIDTH="125" HPOS="1062" VPOS="740" ID="st14-600"/><SP/><String HEIGHT="24" CONTENT="provide" WIDTH="79" HPOS="1195" VPOS="740" ID="st14-601"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="1282" VPOS="740" ID="st14-602"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="1344" VPOS="740" ID="st14-603"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl14-59" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="858" VPOS="776" ID="st14-604"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="914" VPOS="776" ID="st14-605"/><SP/><String HEIGHT="24" CONTENT="control" WIDTH="75" HPOS="979" VPOS="776" ID="st14-606"/><SP/><String HEIGHT="24" CONTENT="over" WIDTH="45" HPOS="1063" VPOS="776" ID="st14-607"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1117" VPOS="776" ID="st14-608"/><SP/><String HEIGHT="24" CONTENT="workload" WIDTH="100" HPOS="1174" VPOS="776" ID="st14-609"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1283" VPOS="776" ID="st14-610"/><SP/><String HEIGHT="24" CONTENT="notice" WIDTH="61" HPOS="1332" VPOS="776" ID="st14-611"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1393" VPOS="776" ID="st14-612"/><SP/><String HEIGHT="24" CONTENT="plus" WIDTH="43" HPOS="1413" VPOS="776" ID="st14-613"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl14-60" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="858" VPOS="813" ID="st14-614"/><SP/><String HEIGHT="23" CONTENT="potential" WIDTH="94" HPOS="881" VPOS="813" ID="st14-615"/><SP/><String HEIGHT="23" CONTENT="voice" WIDTH="54" HPOS="985" VPOS="813" ID="st14-616"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1050" VPOS="813" ID="st14-617"/><SP/><String HEIGHT="23" CONTENT="large" WIDTH="50" HPOS="1080" VPOS="813" ID="st14-618"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="1130" VPOS="813" ID="st14-619"/><String HEIGHT="23" CONTENT="scale" WIDTH="51" HPOS="1141" VPOS="813" ID="st14-620"/><SP/><String HEIGHT="23" CONTENT="changes" WIDTH="83" HPOS="1202" VPOS="813" ID="st14-621"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1285" VPOS="813" ID="st14-622"/><SP/><String HEIGHT="23" CONTENT="together" WIDTH="92" HPOS="1307" VPOS="813" ID="st14-623"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="1409" VPOS="813" ID="st14-624"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl14-61" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="858" VPOS="849" ID="st14-625"/><SP/><String HEIGHT="23" CONTENT="autonomy" WIDTH="108" HPOS="901" VPOS="849" ID="st14-626"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="1017" VPOS="849" ID="st14-627"/><SP/><String HEIGHT="23" CONTENT="take" WIDTH="46" HPOS="1048" VPOS="849" ID="st14-628"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1102" VPOS="849" ID="st14-629"/><SP/><String HEIGHT="23" CONTENT="initiative" WIDTH="89" HPOS="1145" VPOS="849" ID="st14-630"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="1242" VPOS="849" ID="st14-631"/><SP/><String HEIGHT="23" CONTENT="speak" WIDTH="61" HPOS="1291" VPOS="849" ID="st14-632"/><SP/><String HEIGHT="23" CONTENT="up" WIDTH="28" HPOS="1360" VPOS="849" ID="st14-633"/><SP/><String HEIGHT="23" CONTENT="when" WIDTH="60" HPOS="1396" VPOS="849" ID="st14-634"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl14-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="858" VPOS="885" ID="st14-635"/><SP/><String HEIGHT="24" CONTENT="deem" WIDTH="60" HPOS="914" VPOS="885" ID="st14-636"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="985" VPOS="885" ID="st14-637"/><SP/><String HEIGHT="24" CONTENT="necessary" WIDTH="95" HPOS="1010" VPOS="885" ID="st14-638"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1105" VPOS="885" ID="st14-639"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="41" HPOS="1127" VPOS="885" ID="st14-640"/><SP/><String HEIGHT="24" CONTENT="acts" WIDTH="42" HPOS="1179" VPOS="885" ID="st14-641"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1232" VPOS="885" ID="st14-642"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1265" VPOS="885" ID="st14-643"/><SP/><String HEIGHT="24" CONTENT="check" WIDTH="62" HPOS="1288" VPOS="885" ID="st14-644"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="1360" VPOS="885" ID="st14-645"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="1399" VPOS="885" ID="st14-646"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl14-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="major" WIDTH="61" HPOS="858" VPOS="921" ID="st14-647"/><SP/><String HEIGHT="24" CONTENT="drivers" WIDTH="70" HPOS="928" VPOS="921" ID="st14-648"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1007" VPOS="921" ID="st14-649"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1039" VPOS="921" ID="st14-650"/><SP/><String HEIGHT="24" CONTENT="without" WIDTH="83" HPOS="1084" VPOS="921" ID="st14-651"/><SP/><String HEIGHT="24" CONTENT="sacrificing" WIDTH="105" HPOS="1177" VPOS="921" ID="st14-652"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1292" VPOS="921" ID="st14-653"/><SP/><String HEIGHT="24" CONTENT="profitability" WIDTH="120" HPOS="1336" VPOS="921" ID="st14-654"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl14-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="858" VPOS="957" ID="st14-655"/><SP/><String HEIGHT="24" CONTENT="expansion" WIDTH="107" HPOS="886" VPOS="957" ID="st14-656"/><SP/><String HEIGHT="24" CONTENT="plans" WIDTH="55" HPOS="999" VPOS="957" ID="st14-657"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1060" VPOS="957" ID="st14-658"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1088" VPOS="957" ID="st14-659"/><SP/><String HEIGHT="24" CONTENT="employers" WIDTH="103" HPOS="1143" VPOS="957" ID="st14-660"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1246" VPOS="957" ID="st14-661"/><SP/><String HEIGHT="24" CONTENT="At" WIDTH="25" HPOS="1264" VPOS="957" ID="st14-662"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1295" VPOS="957" ID="st14-663"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="83" HPOS="1313" VPOS="957" ID="st14-664"/><SP/><String HEIGHT="24" CONTENT="level" WIDTH="45" HPOS="1402" VPOS="957" ID="st14-665"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1447" VPOS="957" ID="st14-666"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl14-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="858" VPOS="993" ID="st14-667"/><SP/><String HEIGHT="24" CONTENT="play" WIDTH="43" HPOS="937" VPOS="993" ID="st14-668"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="989" VPOS="993" ID="st14-669"/><SP/><String HEIGHT="24" CONTENT="practical" WIDTH="86" HPOS="1010" VPOS="993" ID="st14-670"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1096" VPOS="993" ID="st14-671"/><SP/><String HEIGHT="24" CONTENT="but" WIDTH="36" HPOS="1114" VPOS="993" ID="st14-672"/><SP/><String HEIGHT="24" CONTENT="little" WIDTH="46" HPOS="1159" VPOS="993" ID="st14-673"/><SP/><String HEIGHT="24" CONTENT="recognized" WIDTH="117" HPOS="1213" VPOS="993" ID="st14-674"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="37" HPOS="1338" VPOS="993" ID="st14-675"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1375" VPOS="993" ID="st14-676"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1394" VPOS="993" ID="st14-677"/><SP/><String HEIGHT="24" CONTENT="ad" WIDTH="23" HPOS="1422" VPOS="993" ID="st14-678" SUBS_TYPE="HypPart1" SUBS_CONTENT="addressing"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="993" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl14-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="dressing" WIDTH="87" HPOS="858" VPOS="1029" ID="st14-679" SUBS_TYPE="HypPart2" SUBS_CONTENT="addressing"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="953" VPOS="1029" ID="st14-680"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1017" VPOS="1029" ID="st14-681"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1047" VPOS="1029" ID="st14-682"/><SP/><String HEIGHT="24" CONTENT="power" WIDTH="68" HPOS="1090" VPOS="1029" ID="st14-683"/><SP/><String HEIGHT="24" CONTENT="imbalances" WIDTH="118" HPOS="1166" VPOS="1029" ID="st14-684"/><SP/><String HEIGHT="24" CONTENT="associated" WIDTH="109" HPOS="1292" VPOS="1029" ID="st14-685"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1409" VPOS="1029" ID="st14-686"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl14-67" WIDTH="166" HEIGHT="24"><String HEIGHT="24" CONTENT="financialization" WIDTH="156" HPOS="858" VPOS="1065" ID="st14-687"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1014" VPOS="1065" ID="st14-688"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl14-68" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1138" ID="st14-689"/><SP/><String HEIGHT="23" CONTENT="value" WIDTH="55" HPOS="905" VPOS="1138" ID="st14-690"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="968" VPOS="1138" ID="st14-691"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="70" HPOS="999" VPOS="1138" ID="st14-692"/><SP/><String HEIGHT="23" CONTENT="as" WIDTH="22" HPOS="1078" VPOS="1138" ID="st14-693"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="1108" VPOS="1138" ID="st14-694"/><SP/><String HEIGHT="23" CONTENT="countervailing" WIDTH="150" HPOS="1128" VPOS="1138" ID="st14-695"/><SP/><String HEIGHT="23" CONTENT="force" WIDTH="54" HPOS="1286" VPOS="1138" ID="st14-696"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="15" HPOS="1348" VPOS="1138" ID="st14-697"/><SP/><String HEIGHT="23" CONTENT="perhaps" WIDTH="85" HPOS="1371" VPOS="1138" ID="st14-698"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl14-69" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="most" WIDTH="53" HPOS="858" VPOS="1174" ID="st14-699"/><SP/><String HEIGHT="23" CONTENT="observable" WIDTH="114" HPOS="917" VPOS="1174" ID="st14-700"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="1037" VPOS="1174" ID="st14-701"/><SP/><String HEIGHT="23" CONTENT="continental" WIDTH="119" HPOS="1063" VPOS="1174" ID="st14-702"/><SP/><String HEIGHT="23" CONTENT="Europe" WIDTH="69" HPOS="1189" VPOS="1174" ID="st14-703"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1258" VPOS="1174" ID="st14-704"/><SP/><String HEIGHT="23" CONTENT="where" WIDTH="67" HPOS="1276" VPOS="1174" ID="st14-705"/><SP/><String HEIGHT="23" CONTENT="labor" WIDTH="54" HPOS="1349" VPOS="1174" ID="st14-706"/><SP/><String HEIGHT="23" CONTENT="rela" WIDTH="38" HPOS="1409" VPOS="1174" ID="st14-707" SUBS_TYPE="HypPart1" SUBS_CONTENT="relations"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1174" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl14-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tions" WIDTH="51" HPOS="858" VPOS="1210" ID="st14-708" SUBS_TYPE="HypPart2" SUBS_CONTENT="relations"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="919" VPOS="1210" ID="st14-709"/><SP/><String HEIGHT="24" CONTENT="rooted" WIDTH="70" HPOS="962" VPOS="1210" ID="st14-710"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1042" VPOS="1210" ID="st14-711"/><SP/><String HEIGHT="24" CONTENT="history" WIDTH="71" HPOS="1071" VPOS="1210" ID="st14-712"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1152" VPOS="1210" ID="st14-713"/><SP/><String HEIGHT="24" CONTENT="social" WIDTH="58" HPOS="1202" VPOS="1210" ID="st14-714"/><SP/><String HEIGHT="24" CONTENT="norms" WIDTH="61" HPOS="1270" VPOS="1210" ID="st14-715"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="1331" VPOS="1210" ID="st14-716"/><SP/><String HEIGHT="24" CONTENT="Collective" WIDTH="103" HPOS="1353" VPOS="1210" ID="st14-717"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl14-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="bargaining" WIDTH="114" HPOS="858" VPOS="1246" ID="st14-718"/><SP/><String HEIGHT="24" CONTENT="coverage" WIDTH="96" HPOS="977" VPOS="1246" ID="st14-719"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1079" VPOS="1246" ID="st14-720"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1104" VPOS="1246" ID="st14-721"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="87" HPOS="1144" VPOS="1246" ID="st14-722"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="1236" VPOS="1246" ID="st14-723"/><SP/><String HEIGHT="24" CONTENT="varies" WIDTH="57" HPOS="1306" VPOS="1246" ID="st14-724"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1363" VPOS="1246" ID="st14-725"/><SP/><String HEIGHT="24" CONTENT="but" WIDTH="36" HPOS="1378" VPOS="1246" ID="st14-726"/><SP/><String HEIGHT="24" CONTENT="out" WIDTH="36" HPOS="1420" VPOS="1246" ID="st14-727"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl14-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1282" ID="st14-728"/><SP/><String HEIGHT="24" CONTENT="23" WIDTH="28" HPOS="888" VPOS="1282" ID="st14-729"/><SP/><String HEIGHT="24" CONTENT="countries" WIDTH="97" HPOS="924" VPOS="1282" ID="st14-730"/><SP/><String HEIGHT="24" CONTENT="assessed" WIDTH="90" HPOS="1029" VPOS="1282" ID="st14-731"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1127" VPOS="1282" ID="st14-732"/><SP/><String HEIGHT="24" CONTENT="2011" WIDTH="49" HPOS="1155" VPOS="1282" ID="st14-733"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1204" VPOS="1282" ID="st14-734"/><SP/><String HEIGHT="24" CONTENT="16" WIDTH="28" HPOS="1225" VPOS="1282" ID="st14-735"/><SP/><String HEIGHT="24" CONTENT="reported" WIDTH="91" HPOS="1261" VPOS="1282" ID="st14-736"/><SP/><String HEIGHT="24" CONTENT="coverage" WIDTH="96" HPOS="1360" VPOS="1282" ID="st14-737"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl14-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="rates" WIDTH="51" HPOS="858" VPOS="1318" ID="st14-738"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="915" VPOS="1318" ID="st14-739"/><SP/><String HEIGHT="24" CONTENT="80" WIDTH="28" HPOS="943" VPOS="1318" ID="st14-740"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="976" VPOS="1318" ID="st14-741"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="1017" VPOS="1318" ID="st14-742"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="23" HPOS="1068" VPOS="1318" ID="st14-743"/><SP/><String HEIGHT="24" CONTENT="higher" WIDTH="68" HPOS="1096" VPOS="1318" ID="st14-744"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1170" VPOS="1318" ID="st14-745"/><String HEIGHT="24" CONTENT="Eurofound" WIDTH="103" HPOS="1181" VPOS="1318" ID="st14-746"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1284" VPOS="1318" ID="st14-747"/><SP/><String HEIGHT="24" CONTENT="2014" WIDTH="46" HPOS="1302" VPOS="1318" ID="st14-748"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1348" VPOS="1318" ID="st14-749"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1359" VPOS="1318" ID="st14-750"/><SP/><String HEIGHT="24" CONTENT="As" WIDTH="26" HPOS="1377" VPOS="1318" ID="st14-751"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1409" VPOS="1318" ID="st14-752"/><SP/><String HEIGHT="24" CONTENT="re" WIDTH="20" HPOS="1427" VPOS="1318" ID="st14-753" SUBS_TYPE="HypPart1" SUBS_CONTENT="result"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1318" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl14-74" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="sult" WIDTH="35" HPOS="858" VPOS="1354" ID="st14-754" SUBS_TYPE="HypPart2" SUBS_CONTENT="result"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="893" VPOS="1354" ID="st14-755"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="908" VPOS="1354" ID="st14-756"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="966" VPOS="1354" ID="st14-757"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1056" VPOS="1354" ID="st14-758"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1102" VPOS="1354" ID="st14-759"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="70" HPOS="1157" VPOS="1354" ID="st14-760"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="1233" VPOS="1354" ID="st14-761"/><SP/><String HEIGHT="24" CONTENT="very" WIDTH="43" HPOS="1271" VPOS="1354" ID="st14-762"/><SP/><String HEIGHT="24" CONTENT="much" WIDTH="60" HPOS="1320" VPOS="1354" ID="st14-763"/><SP/><String HEIGHT="24" CONTENT="part" WIDTH="43" HPOS="1385" VPOS="1354" ID="st14-764"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="1354" ID="st14-765"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl14-75" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1390" ID="st14-766"/><SP/><String HEIGHT="24" CONTENT="larger" WIDTH="61" HPOS="900" VPOS="1390" ID="st14-767"/><SP/><String HEIGHT="24" CONTENT="process" WIDTH="79" HPOS="969" VPOS="1390" ID="st14-768"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1056" VPOS="1390" ID="st14-769"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1086" VPOS="1390" ID="st14-770"/><SP/><String HEIGHT="24" CONTENT="social" WIDTH="58" HPOS="1106" VPOS="1390" ID="st14-771"/><SP/><String HEIGHT="24" CONTENT="dialogue" WIDTH="92" HPOS="1172" VPOS="1390" ID="st14-772"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1271" VPOS="1390" ID="st14-773"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="63" HPOS="1299" VPOS="1390" ID="st14-774"/><SP/><String HEIGHT="24" CONTENT="employ" WIDTH="74" HPOS="1370" VPOS="1390" ID="st14-775" SUBS_TYPE="HypPart1" SUBS_CONTENT="employees"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1390" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl14-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ees" WIDTH="30" HPOS="858" VPOS="1426" ID="st14-776" SUBS_TYPE="HypPart2" SUBS_CONTENT="employees"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="888" VPOS="1426" ID="st14-777"/><SP/><String HEIGHT="24" CONTENT="representatives" WIDTH="159" HPOS="906" VPOS="1426" ID="st14-778"/><SP/><String HEIGHT="24" CONTENT="meet" WIDTH="54" HPOS="1071" VPOS="1426" ID="st14-779"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1132" VPOS="1426" ID="st14-780"/><SP/><String HEIGHT="24" CONTENT="governmental" WIDTH="147" HPOS="1186" VPOS="1426" ID="st14-781"/><SP/><String HEIGHT="24" CONTENT="bodies" WIDTH="69" HPOS="1340" VPOS="1426" ID="st14-782"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1426" ID="st14-783"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl14-77" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="858" VPOS="1463" ID="st14-784"/><SP/><String HEIGHT="23" CONTENT="employer" WIDTH="99" HPOS="917" VPOS="1463" ID="st14-785"/><SP/><String HEIGHT="23" CONTENT="or" WIDTH="22" HPOS="1023" VPOS="1463" ID="st14-786"/><SP/><String HEIGHT="23" CONTENT="industry" WIDTH="85" HPOS="1052" VPOS="1463" ID="st14-787"/><SP/><String HEIGHT="23" CONTENT="associations" WIDTH="122" HPOS="1144" VPOS="1463" ID="st14-788"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1266" VPOS="1463" ID="st14-789"/><SP/><String HEIGHT="23" CONTENT="In" WIDTH="19" HPOS="1284" VPOS="1463" ID="st14-790"/><SP/><String HEIGHT="23" CONTENT="these" WIDTH="57" HPOS="1310" VPOS="1463" ID="st14-791"/><SP/><String HEIGHT="23" CONTENT="settings" WIDTH="82" HPOS="1374" VPOS="1463" ID="st14-792"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl14-78" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="858" VPOS="1499" ID="st14-793"/><SP/><String HEIGHT="23" CONTENT="wide" WIDTH="52" HPOS="879" VPOS="1499" ID="st14-794"/><SP/><String HEIGHT="23" CONTENT="range" WIDTH="61" HPOS="940" VPOS="1499" ID="st14-795"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="1010" VPOS="1499" ID="st14-796"/><SP/><String HEIGHT="23" CONTENT="workplace" WIDTH="110" HPOS="1042" VPOS="1499" ID="st14-797"/><SP/><String HEIGHT="23" CONTENT="issues" WIDTH="61" HPOS="1161" VPOS="1499" ID="st14-798"/><SP/><String HEIGHT="23" CONTENT="can" WIDTH="38" HPOS="1231" VPOS="1499" ID="st14-799"/><SP/><String HEIGHT="23" CONTENT="be" WIDTH="26" HPOS="1278" VPOS="1499" ID="st14-800"/><SP/><String HEIGHT="23" CONTENT="jointly" WIDTH="63" HPOS="1314" VPOS="1499" ID="st14-801"/><SP/><String HEIGHT="23" CONTENT="raised" WIDTH="59" HPOS="1387" VPOS="1499" ID="st14-802"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1446" VPOS="1499" ID="st14-803"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl14-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="discussed" WIDTH="96" HPOS="858" VPOS="1535" ID="st14-804"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="954" VPOS="1535" ID="st14-805"/><SP/><String HEIGHT="24" CONTENT="studied" WIDTH="73" HPOS="971" VPOS="1535" ID="st14-806"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1044" VPOS="1535" ID="st14-807"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1061" VPOS="1535" ID="st14-808"/><SP/><String HEIGHT="24" CONTENT="addressed" WIDTH="101" HPOS="1108" VPOS="1535" ID="st14-809"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1209" VPOS="1535" ID="st14-810"/><SP/><String HEIGHT="24" CONTENT="At" WIDTH="25" HPOS="1227" VPOS="1535" ID="st14-811"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1258" VPOS="1535" ID="st14-812"/><SP/><String HEIGHT="24" CONTENT="multilateral" WIDTH="119" HPOS="1277" VPOS="1535" ID="st14-813"/><SP/><String HEIGHT="24" CONTENT="level" WIDTH="45" HPOS="1402" VPOS="1535" ID="st14-814"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1447" VPOS="1535" ID="st14-815"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl14-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="through" WIDTH="85" HPOS="858" VPOS="1571" ID="st14-816"/><SP/><String HEIGHT="24" CONTENT="organizations" WIDTH="143" HPOS="951" VPOS="1571" ID="st14-817"/><SP/><String HEIGHT="24" CONTENT="like" WIDTH="36" HPOS="1102" VPOS="1571" ID="st14-818"/><SP/><String HEIGHT="24" CONTENT="UNI" WIDTH="39" HPOS="1146" VPOS="1571" ID="st14-819"/><SP/><String HEIGHT="24" CONTENT="Global" WIDTH="69" HPOS="1193" VPOS="1571" ID="st14-820"/><SP/><String HEIGHT="24" CONTENT="Union" WIDTH="59" HPOS="1270" VPOS="1571" ID="st14-821"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1329" VPOS="1571" ID="st14-822"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1348" VPOS="1571" ID="st14-823"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="65" HPOS="1391" VPOS="1571" ID="st14-824"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl14-81" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="858" VPOS="1607" ID="st14-825"/><SP/><String HEIGHT="24" CONTENT="federation" WIDTH="111" HPOS="931" VPOS="1607" ID="st14-826"/><SP/><String HEIGHT="24" CONTENT="representing" WIDTH="133" HPOS="1054" VPOS="1607" ID="st14-827"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="1199" VPOS="1607" ID="st14-828"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="1264" VPOS="1607" ID="st14-829"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1344" VPOS="1607" ID="st14-830"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1369" VPOS="1607" ID="st14-831"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="1607" ID="st14-832"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl14-82" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="International" WIDTH="135" HPOS="858" VPOS="1643" ID="st14-833"/><SP/><String HEIGHT="24" CONTENT="Trade" WIDTH="57" HPOS="1002" VPOS="1643" ID="st14-834"/><SP/><String HEIGHT="24" CONTENT="Union" WIDTH="64" HPOS="1068" VPOS="1643" ID="st14-835"/><SP/><String HEIGHT="24" CONTENT="Confederation" WIDTH="149" HPOS="1140" VPOS="1643" ID="st14-836"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1289" VPOS="1643" ID="st14-837"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="1310" VPOS="1643" ID="st14-838"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1371" VPOS="1643" ID="st14-839"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl14-83" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1679" ID="st14-840"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="904" VPOS="1679" ID="st14-841"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="958" VPOS="1679" ID="st14-842"/><SP/><String HEIGHT="24" CONTENT="interact" WIDTH="81" HPOS="1034" VPOS="1679" ID="st14-843"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1120" VPOS="1679" ID="st14-844"/><SP/><String HEIGHT="24" CONTENT="multilateral" WIDTH="119" HPOS="1173" VPOS="1679" ID="st14-845"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="1298" VPOS="1679" ID="st14-846"/><SP/><String HEIGHT="24" CONTENT="like" WIDTH="36" HPOS="1420" VPOS="1679" ID="st14-847"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl14-84" WIDTH="217" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1715" ID="st14-848"/><SP/><String HEIGHT="24" CONTENT="FSB" WIDTH="38" HPOS="899" VPOS="1715" ID="st14-849"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="944" VPOS="1715" ID="st14-850"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="991" VPOS="1715" ID="st14-851"/><SP/><String HEIGHT="24" CONTENT="IMF" WIDTH="31" HPOS="1033" VPOS="1715" ID="st14-852"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1064" VPOS="1715" ID="st14-853"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl14-85" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1788" ID="st14-854"/><SP/><String HEIGHT="23" CONTENT="experience" WIDTH="114" HPOS="903" VPOS="1788" ID="st14-855"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1023" VPOS="1788" ID="st14-856"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="1051" VPOS="1788" ID="st14-857"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="1110" VPOS="1788" ID="st14-858"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1201" VPOS="1788" ID="st14-859"/><SP/><String HEIGHT="23" CONTENT="Europe" WIDTH="75" HPOS="1226" VPOS="1788" ID="st14-860"/><SP/><String HEIGHT="23" CONTENT="contrasts" WIDTH="96" HPOS="1307" VPOS="1788" ID="st14-861"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="1409" VPOS="1788" ID="st14-862"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl14-86" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="banks" WIDTH="57" HPOS="858" VPOS="1824" ID="st14-863"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="915" VPOS="1824" ID="st14-864"/><SP/><String HEIGHT="23" CONTENT="approach" WIDTH="100" HPOS="937" VPOS="1824" ID="st14-865"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="1046" VPOS="1824" ID="st14-866"/><SP/><String HEIGHT="23" CONTENT="employee" WIDTH="103" HPOS="1078" VPOS="1824" ID="st14-867"/><SP/><String HEIGHT="23" CONTENT="relations" WIDTH="90" HPOS="1191" VPOS="1824" ID="st14-868"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1291" VPOS="1824" ID="st14-869"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1320" VPOS="1824" ID="st14-870"/><SP/><String HEIGHT="23" CONTENT="U" WIDTH="10" HPOS="1364" VPOS="1824" ID="st14-871"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1374" VPOS="1824" ID="st14-872"/><String HEIGHT="23" CONTENT="S" WIDTH="11" HPOS="1385" VPOS="1824" ID="st14-873"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1396" VPOS="1824" ID="st14-874"/><SP/><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="1417" VPOS="1824" ID="st14-875"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl14-87" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="absence" WIDTH="86" HPOS="858" VPOS="1860" ID="st14-876"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="952" VPOS="1860" ID="st14-877"/><SP/><String HEIGHT="24" CONTENT="collective" WIDTH="97" HPOS="983" VPOS="1860" ID="st14-878"/><SP/><String HEIGHT="24" CONTENT="bargaining" WIDTH="114" HPOS="1088" VPOS="1860" ID="st14-879"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1211" VPOS="1860" ID="st14-880"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1238" VPOS="1860" ID="st14-881"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1282" VPOS="1860" ID="st14-882"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1292" VPOS="1860" ID="st14-883"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1303" VPOS="1860" ID="st14-884"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1314" VPOS="1860" ID="st14-885"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1333" VPOS="1860" ID="st14-886"/><SP/><String HEIGHT="24" CONTENT="created" WIDTH="78" HPOS="1378" VPOS="1860" ID="st14-887"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl14-88" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="858" VPOS="1896" ID="st14-888"/><SP/><String HEIGHT="24" CONTENT="problem" WIDTH="89" HPOS="876" VPOS="1896" ID="st14-889"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="971" VPOS="1896" ID="st14-890"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1020" VPOS="1896" ID="st14-891"/><SP/><String HEIGHT="24" CONTENT="recognized" WIDTH="116" HPOS="1041" VPOS="1896" ID="st14-892"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1163" VPOS="1896" ID="st14-893"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1190" VPOS="1896" ID="st14-894"/><SP/><String HEIGHT="24" CONTENT="highest" WIDTH="78" HPOS="1231" VPOS="1896" ID="st14-895"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="1315" VPOS="1896" ID="st14-896"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl14-89" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="levels" WIDTH="57" HPOS="858" VPOS="1932" ID="st14-897"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="920" VPOS="1932" ID="st14-898"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="948" VPOS="1932" ID="st14-899"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1017" VPOS="1932" ID="st14-900"/><String HEIGHT="24" CONTENT="Broughton" WIDTH="104" HPOS="1028" VPOS="1932" ID="st14-901"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1132" VPOS="1932" ID="st14-902"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="1150" VPOS="1932" ID="st14-903"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1196" VPOS="1932" ID="st14-904"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1207" VPOS="1932" ID="st14-905"/><SP/><String HEIGHT="24" CONTENT="As" WIDTH="26" HPOS="1225" VPOS="1932" ID="st14-906"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1257" VPOS="1932" ID="st14-907"/><SP/><String HEIGHT="24" CONTENT="matter" WIDTH="71" HPOS="1275" VPOS="1932" ID="st14-908"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1352" VPOS="1932" ID="st14-909"/><SP/><String HEIGHT="24" CONTENT="course" WIDTH="65" HPOS="1380" VPOS="1932" ID="st14-910"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1445" VPOS="1932" ID="st14-911"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl14-90" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="banks" WIDTH="62" HPOS="858" VPOS="1968" ID="st14-912"/><SP/><String HEIGHT="24" CONTENT="headquartered" WIDTH="157" HPOS="926" VPOS="1968" ID="st14-913"/><SP/><String HEIGHT="24" CONTENT="abroad" WIDTH="75" HPOS="1089" VPOS="1968" ID="st14-914"/><SP/><String HEIGHT="24" CONTENT="bargain" WIDTH="80" HPOS="1170" VPOS="1968" ID="st14-915"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="1256" VPOS="1968" ID="st14-916"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="1310" VPOS="1968" ID="st14-917"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="79" HPOS="1365" VPOS="1968" ID="st14-918"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1444" VPOS="1968" ID="st14-919"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl14-91" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="858" VPOS="2004" ID="st14-920"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="936" VPOS="2004" ID="st14-921"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="962" VPOS="2004" ID="st14-922"/><SP/><String HEIGHT="24" CONTENT="home" WIDTH="61" HPOS="1018" VPOS="2004" ID="st14-923"/><SP/><String HEIGHT="24" CONTENT="country" WIDTH="74" HPOS="1086" VPOS="2004" ID="st14-924"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1160" VPOS="2004" ID="st14-925"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="1179" VPOS="2004" ID="st14-926"/><SP/><String HEIGHT="24" CONTENT="bargaining" WIDTH="114" HPOS="1247" VPOS="2004" ID="st14-927"/><SP/><String HEIGHT="24" CONTENT="relation" WIDTH="79" HPOS="1368" VPOS="2004" ID="st14-928" SUBS_TYPE="HypPart1" SUBS_CONTENT="relationships"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="2004" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="2040" ID="tl14-92" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ships" WIDTH="53" HPOS="858" VPOS="2040" ID="st14-929" SUBS_TYPE="HypPart2" SUBS_CONTENT="relationships"/><SP/><String HEIGHT="24" CONTENT="facilitate" WIDTH="91" HPOS="919" VPOS="2040" ID="st14-930"/><SP/><String HEIGHT="24" CONTENT="problem" WIDTH="89" HPOS="1018" VPOS="2040" ID="st14-931"/><SP/><String HEIGHT="24" CONTENT="resolution" WIDTH="105" HPOS="1116" VPOS="2040" ID="st14-932"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1230" VPOS="2040" ID="st14-933"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="1279" VPOS="2040" ID="st14-934"/><SP/><String HEIGHT="24" CONTENT="peace" WIDTH="57" HPOS="1342" VPOS="2040" ID="st14-935"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1399" VPOS="2040" ID="st14-936"/><SP/><String HEIGHT="24" CONTENT="But" WIDTH="36" HPOS="1420" VPOS="2040" ID="st14-937"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl14-93" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="13" WIDTH="32" HPOS="810" VPOS="2254" ID="st14-938"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="15" ID="p840454" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840454" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840454" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl15-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st15-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st15-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st15-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st15-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st15-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st15-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st15-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st15-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st15-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st15-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st15-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st15-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st15-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st15-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st15-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st15-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st15-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st15-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st15-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl15-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="196" VPOS="307" ID="st15-19"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="222" VPOS="307" ID="st15-20"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="263" VPOS="307" ID="st15-21"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="273" VPOS="307" ID="st15-22"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="284" VPOS="307" ID="st15-23"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="295" VPOS="307" ID="st15-24"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="312" VPOS="307" ID="st15-25"/><SP/><String HEIGHT="24" CONTENT="same" WIDTH="55" HPOS="375" VPOS="307" ID="st15-26"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="436" VPOS="307" ID="st15-27"/><String HEIGHT="24" CONTENT="foreign" WIDTH="81" HPOS="447" VPOS="307" ID="st15-28"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="528" VPOS="307" ID="st15-29"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="546" VPOS="307" ID="st15-30"/><SP/><String HEIGHT="24" CONTENT="ignore" WIDTH="68" HPOS="615" VPOS="307" ID="st15-31"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="689" VPOS="307" ID="st15-32"/><SP/><String HEIGHT="24" CONTENT="oppose" WIDTH="78" HPOS="717" VPOS="307" ID="st15-33"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl15-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="343" ID="st15-34"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="69" HPOS="240" VPOS="343" ID="st15-35"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="318" VPOS="343" ID="st15-36"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="349" VPOS="343" ID="st15-37"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="470" VPOS="343" ID="st15-38"/><SP/><String HEIGHT="24" CONTENT="form" WIDTH="52" HPOS="501" VPOS="343" ID="st15-39"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="561" VPOS="343" ID="st15-40"/><SP/><String HEIGHT="24" CONTENT="join" WIDTH="39" HPOS="610" VPOS="343" ID="st15-41"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="66" HPOS="658" VPOS="343" ID="st15-42"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="724" VPOS="343" ID="st15-43"/><SP/><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="745" VPOS="343" ID="st15-44"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl15-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="though" WIDTH="78" HPOS="196" VPOS="379" ID="st15-45"/><SP/><String HEIGHT="24" CONTENT="multiple" WIDTH="87" HPOS="280" VPOS="379" ID="st15-46"/><SP/><String HEIGHT="24" CONTENT="stakeholders" WIDTH="129" HPOS="373" VPOS="379" ID="st15-47"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="502" VPOS="379" ID="st15-48"/><SP/><String HEIGHT="24" CONTENT="such" WIDTH="49" HPOS="519" VPOS="379" ID="st15-49"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="574" VPOS="379" ID="st15-50"/><SP/><String HEIGHT="24" CONTENT="consumers" WIDTH="108" HPOS="603" VPOS="379" ID="st15-51"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="711" VPOS="379" ID="st15-52"/><SP/><String HEIGHT="24" CONTENT="share" WIDTH="55" HPOS="730" VPOS="379" ID="st15-53" SUBS_TYPE="HypPart1" SUBS_CONTENT="shareholders"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="379" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl15-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="holders" WIDTH="74" HPOS="196" VPOS="415" ID="st15-54" SUBS_TYPE="HypPart2" SUBS_CONTENT="shareholders"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="270" VPOS="415" ID="st15-55"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="289" VPOS="415" ID="st15-56"/><SP/><String HEIGHT="24" CONTENT="governmental" WIDTH="148" HPOS="338" VPOS="415" ID="st15-57"/><SP/><String HEIGHT="24" CONTENT="agencies" WIDTH="92" HPOS="494" VPOS="415" ID="st15-58"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="58" HPOS="594" VPOS="415" ID="st15-59"/><SP/><String HEIGHT="24" CONTENT="benefit" WIDTH="75" HPOS="661" VPOS="415" ID="st15-60"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="744" VPOS="415" ID="st15-61"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl15-5" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="positive" WIDTH="81" HPOS="196" VPOS="451" ID="st15-62"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="288" VPOS="451" ID="st15-63"/><SP/><String HEIGHT="24" CONTENT="relations" WIDTH="87" HPOS="352" VPOS="451" ID="st15-64"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="439" VPOS="451" ID="st15-65"/><SP/><String HEIGHT="24" CONTENT="For" WIDTH="33" HPOS="460" VPOS="451" ID="st15-66"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="84" HPOS="504" VPOS="451" ID="st15-67"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="588" VPOS="451" ID="st15-68"/><SP/><String HEIGHT="24" CONTENT="Banco" WIDTH="66" HPOS="610" VPOS="451" ID="st15-69"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="109" HPOS="686" VPOS="451" ID="st15-70"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl15-6" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="employees" WIDTH="113" HPOS="196" VPOS="488" ID="st15-71"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="314" VPOS="488" ID="st15-72"/><SP/><String HEIGHT="23" CONTENT="represented" WIDTH="125" HPOS="352" VPOS="488" ID="st15-73"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="482" VPOS="488" ID="st15-74"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="70" HPOS="513" VPOS="488" ID="st15-75"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="589" VPOS="488" ID="st15-76"/><SP/><String HEIGHT="23" CONTENT="Argentina" WIDTH="100" HPOS="614" VPOS="488" ID="st15-77"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="714" VPOS="488" ID="st15-78"/><SP/><String HEIGHT="23" CONTENT="Brazil" WIDTH="54" HPOS="731" VPOS="488" ID="st15-79"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="785" VPOS="488" ID="st15-80"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl15-7" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="Chile" WIDTH="50" HPOS="196" VPOS="524" ID="st15-81"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="246" VPOS="524" ID="st15-82"/><SP/><String HEIGHT="23" CONTENT="Germany" WIDTH="89" HPOS="268" VPOS="524" ID="st15-83"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="357" VPOS="524" ID="st15-84"/><SP/><String HEIGHT="23" CONTENT="Italy" WIDTH="39" HPOS="381" VPOS="524" ID="st15-85"/><String HEIGHT="23" CONTENT="," WIDTH="8" HPOS="420" VPOS="524" ID="st15-86"/><SP/><String HEIGHT="23" CONTENT="Mexico" WIDTH="71" HPOS="439" VPOS="524" ID="st15-87"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="510" VPOS="524" ID="st15-88"/><SP/><String HEIGHT="23" CONTENT="Poland" WIDTH="67" HPOS="533" VPOS="524" ID="st15-89"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="600" VPOS="524" ID="st15-90"/><SP/><String HEIGHT="23" CONTENT="Portugal" WIDTH="85" HPOS="623" VPOS="524" ID="st15-91"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="708" VPOS="524" ID="st15-92"/><SP/><String HEIGHT="23" CONTENT="Spain" WIDTH="55" HPOS="729" VPOS="524" ID="st15-93"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="784" VPOS="524" ID="st15-94"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl15-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="560" ID="st15-95"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="244" VPOS="560" ID="st15-96"/><SP/><String HEIGHT="24" CONTENT="United" WIDTH="71" HPOS="286" VPOS="560" ID="st15-97"/><SP/><String HEIGHT="24" CONTENT="Kingdom" WIDTH="91" HPOS="364" VPOS="560" ID="st15-98"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="455" VPOS="560" ID="st15-99"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="475" VPOS="560" ID="st15-100"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="543" VPOS="560" ID="st15-101"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="621" VPOS="560" ID="st15-102"/><SP/><String HEIGHT="24" CONTENT="recognized" WIDTH="116" HPOS="679" VPOS="560" ID="st15-103"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl15-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="596" ID="st15-104"/><SP/><String HEIGHT="24" CONTENT="importance" WIDTH="121" HPOS="240" VPOS="596" ID="st15-105"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="370" VPOS="596" ID="st15-106"/><SP/><String HEIGHT="24" CONTENT="extending" WIDTH="105" HPOS="401" VPOS="596" ID="st15-107"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="515" VPOS="596" ID="st15-108"/><SP/><String HEIGHT="24" CONTENT="relations" WIDTH="90" HPOS="578" VPOS="596" ID="st15-109"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="677" VPOS="596" ID="st15-110"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="708" VPOS="596" ID="st15-111"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="752" VPOS="596" ID="st15-112"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="762" VPOS="596" ID="st15-113"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="773" VPOS="596" ID="st15-114"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="596" ID="st15-115"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl15-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="632" ID="st15-116"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="245" VPOS="632" ID="st15-117"/><SP/><String HEIGHT="24" CONTENT="publicly" WIDTH="81" HPOS="304" VPOS="632" ID="st15-118"/><SP/><String HEIGHT="24" CONTENT="supported" WIDTH="109" HPOS="393" VPOS="632" ID="st15-119"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="511" VPOS="632" ID="st15-120"/><SP/><String HEIGHT="24" CONTENT="colleagues" WIDTH="107" HPOS="568" VPOS="632" ID="st15-121"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="675" VPOS="632" ID="st15-122"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="69" HPOS="695" VPOS="632" ID="st15-123"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="773" VPOS="632" ID="st15-124"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl15-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="organize" WIDTH="88" HPOS="196" VPOS="668" ID="st15-125"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="284" VPOS="668" ID="st15-126"/><SP/><String HEIGHT="24" CONTENT="Santander" WIDTH="109" HPOS="304" VPOS="668" ID="st15-127"/><SP/><String HEIGHT="24" CONTENT="Holdings" WIDTH="93" HPOS="422" VPOS="668" ID="st15-128"/><SP/><String HEIGHT="24" CONTENT="USA" WIDTH="39" HPOS="524" VPOS="668" ID="st15-129"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="563" VPOS="668" ID="st15-130"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="586" VPOS="668" ID="st15-131"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="670" VPOS="668" ID="st15-132"/><SP/><String HEIGHT="24" CONTENT="continues" WIDTH="103" HPOS="692" VPOS="668" ID="st15-133"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl15-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="196" VPOS="704" ID="st15-134"/><SP/><String HEIGHT="24" CONTENT="oppose" WIDTH="78" HPOS="229" VPOS="704" ID="st15-135"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="317" VPOS="704" ID="st15-136"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="351" VPOS="704" ID="st15-137"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="431" VPOS="704" ID="st15-138"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="69" HPOS="453" VPOS="704" ID="st15-139"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="533" VPOS="704" ID="st15-140"/><SP/><String HEIGHT="24" CONTENT="form" WIDTH="52" HPOS="565" VPOS="704" ID="st15-141"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="627" VPOS="704" ID="st15-142"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="650" VPOS="704" ID="st15-143"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="722" VPOS="704" ID="st15-144"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="772" VPOS="704" ID="st15-145"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl15-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="avail" WIDTH="48" HPOS="196" VPOS="740" ID="st15-146"/><SP/><String HEIGHT="24" CONTENT="itself" WIDTH="50" HPOS="252" VPOS="740" ID="st15-147"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="310" VPOS="740" ID="st15-148"/><SP/><String HEIGHT="24" CONTENT="all" WIDTH="23" HPOS="340" VPOS="740" ID="st15-149"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="372" VPOS="740" ID="st15-150"/><SP/><String HEIGHT="24" CONTENT="tools" WIDTH="52" HPOS="414" VPOS="740" ID="st15-151"/><SP/><String HEIGHT="24" CONTENT="available" WIDTH="91" HPOS="474" VPOS="740" ID="st15-152"/><SP/><String HEIGHT="24" CONTENT="under" WIDTH="63" HPOS="573" VPOS="740" ID="st15-153"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="644" VPOS="740" ID="st15-154"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="654" VPOS="740" ID="st15-155"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="665" VPOS="740" ID="st15-156"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="676" VPOS="740" ID="st15-157"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="695" VPOS="740" ID="st15-158"/><SP/><String HEIGHT="24" CONTENT="law" WIDTH="38" HPOS="757" VPOS="740" ID="st15-159"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl15-14" WIDTH="268" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="196" VPOS="776" ID="st15-160"/><SP/><String HEIGHT="24" CONTENT="frustrate" WIDTH="90" HPOS="226" VPOS="776" ID="st15-161"/><SP/><String HEIGHT="24" CONTENT="those" WIDTH="58" HPOS="323" VPOS="776" ID="st15-162"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="66" HPOS="388" VPOS="776" ID="st15-163"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="454" VPOS="776" ID="st15-164"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl15-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="196" VPOS="849" ID="st15-165"/><SP/><String HEIGHT="23" CONTENT="remainder" WIDTH="108" HPOS="241" VPOS="849" ID="st15-166"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="354" VPOS="849" ID="st15-167"/><SP/><String HEIGHT="23" CONTENT="this" WIDTH="38" HPOS="382" VPOS="849" ID="st15-168"/><SP/><String HEIGHT="23" CONTENT="section" WIDTH="75" HPOS="425" VPOS="849" ID="st15-169"/><SP/><String HEIGHT="23" CONTENT="examines" WIDTH="98" HPOS="506" VPOS="849" ID="st15-170"/><SP/><String HEIGHT="23" CONTENT="several" WIDTH="72" HPOS="610" VPOS="849" ID="st15-171"/><SP/><String HEIGHT="23" CONTENT="diverse" WIDTH="73" HPOS="688" VPOS="849" ID="st15-172"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="767" VPOS="849" ID="st15-173" SUBS_TYPE="HypPart1" SUBS_CONTENT="international"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="849" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl15-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ternational" WIDTH="116" HPOS="196" VPOS="885" ID="st15-174" SUBS_TYPE="HypPart2" SUBS_CONTENT="international"/><SP/><String HEIGHT="24" CONTENT="examples" WIDTH="94" HPOS="319" VPOS="885" ID="st15-175"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="413" VPOS="885" ID="st15-176"/><SP/><String HEIGHT="24" CONTENT="through" WIDTH="86" HPOS="431" VPOS="885" ID="st15-177"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="524" VPOS="885" ID="st15-178"/><SP/><String HEIGHT="24" CONTENT="lens" WIDTH="41" HPOS="566" VPOS="885" ID="st15-179"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="614" VPOS="885" ID="st15-180"/><SP/><String HEIGHT="24" CONTENT="how" WIDTH="48" HPOS="643" VPOS="885" ID="st15-181"/><SP/><String HEIGHT="24" CONTENT="collective" WIDTH="97" HPOS="698" VPOS="885" ID="st15-182"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl15-17" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="action" WIDTH="62" HPOS="196" VPOS="921" ID="st15-183"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="258" VPOS="921" ID="st15-184"/><SP/><String HEIGHT="24" CONTENT="representation" WIDTH="150" HPOS="276" VPOS="921" ID="st15-185"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="426" VPOS="921" ID="st15-186"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="444" VPOS="921" ID="st15-187"/><SP/><String HEIGHT="24" CONTENT="negotiation" WIDTH="123" HPOS="492" VPOS="921" ID="st15-188"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="622" VPOS="921" ID="st15-189"/><SP/><String HEIGHT="24" CONTENT="supported" WIDTH="109" HPOS="666" VPOS="921" ID="st15-190"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="782" VPOS="921" ID="st15-191"/></TextLine><TextLine HPOS="196" VPOS="957" ID="tl15-18" WIDTH="375" HEIGHT="24"><String HEIGHT="24" CONTENT="model" WIDTH="67" HPOS="196" VPOS="957" ID="st15-192"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="270" VPOS="957" ID="st15-193"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="299" VPOS="957" ID="st15-194"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="310" VPOS="957" ID="st15-195"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="428" VPOS="957" ID="st15-196"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="60" HPOS="486" VPOS="957" ID="st15-197"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="546" VPOS="957" ID="st15-198"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="558" VPOS="957" ID="st15-199"/></TextLine><TextLine HPOS="196" VPOS="1062" ID="tl15-19" WIDTH="599" HEIGHT="28"><String HEIGHT="28" CONTENT="Brazil" WIDTH="66" HPOS="196" VPOS="1062" ID="st15-200"/><String HEIGHT="28" CONTENT=":" WIDTH="12" HPOS="262" VPOS="1062" ID="st15-201"/><SP/><String HEIGHT="28" CONTENT="Bargaining" WIDTH="139" HPOS="283" VPOS="1062" ID="st15-202"/><SP/><String HEIGHT="28" CONTENT="for" WIDTH="37" HPOS="431" VPOS="1062" ID="st15-203"/><SP/><String HEIGHT="28" CONTENT="Equality" WIDTH="102" HPOS="476" VPOS="1062" ID="st15-204"/><SP/><String HEIGHT="28" CONTENT="and" WIDTH="49" HPOS="587" VPOS="1062" ID="st15-205"/><SP/><String HEIGHT="28" CONTENT="Productivity" WIDTH="151" HPOS="644" VPOS="1062" ID="st15-206"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl15-20" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="There" WIDTH="60" HPOS="196" VPOS="1138" ID="st15-207"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="270" VPOS="1138" ID="st15-208"/><SP/><String HEIGHT="23" CONTENT="several" WIDTH="73" HPOS="317" VPOS="1138" ID="st15-209"/><SP/><String HEIGHT="23" CONTENT="hundred" WIDTH="90" HPOS="404" VPOS="1138" ID="st15-210"/><SP/><String HEIGHT="23" CONTENT="thousand" WIDTH="101" HPOS="508" VPOS="1138" ID="st15-211"/><SP/><String HEIGHT="23" CONTENT="unionized" WIDTH="105" HPOS="623" VPOS="1138" ID="st15-212"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="742" VPOS="1138" ID="st15-213"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl15-21" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="196" VPOS="1174" ID="st15-214"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="293" VPOS="1174" ID="st15-215"/><SP/><String HEIGHT="23" CONTENT="Brazil" WIDTH="55" HPOS="323" VPOS="1174" ID="st15-216"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="378" VPOS="1174" ID="st15-217"/><SP/><String HEIGHT="23" CONTENT="whose" WIDTH="69" HPOS="399" VPOS="1174" ID="st15-218"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="71" HPOS="480" VPOS="1174" ID="st15-219"/><SP/><String HEIGHT="23" CONTENT="continue" WIDTH="93" HPOS="562" VPOS="1174" ID="st15-220"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="667" VPOS="1174" ID="st15-221"/><SP/><String HEIGHT="23" CONTENT="raise" WIDTH="49" HPOS="700" VPOS="1174" ID="st15-222"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1174" ID="st15-223"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl15-22" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="important" WIDTH="107" HPOS="196" VPOS="1210" ID="st15-224"/><SP/><String HEIGHT="24" CONTENT="problems" WIDTH="99" HPOS="316" VPOS="1210" ID="st15-225"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="428" VPOS="1210" ID="st15-226"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="485" VPOS="1210" ID="st15-227"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="551" VPOS="1210" ID="st15-228"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="650" VPOS="1210" ID="st15-229"/><SP/><String HEIGHT="24" CONTENT="facing" WIDTH="66" HPOS="696" VPOS="1210" ID="st15-230"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1210" ID="st15-231"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl15-23" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1246" ID="st15-232"/><SP/><String HEIGHT="24" CONTENT="industry" WIDTH="79" HPOS="239" VPOS="1246" ID="st15-233"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="318" VPOS="1246" ID="st15-234"/><SP/><String HEIGHT="24" CONTENT="Just" WIDTH="40" HPOS="336" VPOS="1246" ID="st15-235"/><SP/><String HEIGHT="24" CONTENT="like" WIDTH="36" HPOS="384" VPOS="1246" ID="st15-236"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="428" VPOS="1246" ID="st15-237"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="520" VPOS="1246" ID="st15-238"/><SP/><String HEIGHT="24" CONTENT="many" WIDTH="58" HPOS="548" VPOS="1246" ID="st15-239"/><SP/><String HEIGHT="24" CONTENT="countries" WIDTH="97" HPOS="614" VPOS="1246" ID="st15-240"/><SP/><String HEIGHT="24" CONTENT="around" WIDTH="76" HPOS="719" VPOS="1246" ID="st15-241"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl15-24" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1282" ID="st15-242"/><SP/><String HEIGHT="24" CONTENT="world" WIDTH="56" HPOS="240" VPOS="1282" ID="st15-243"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="296" VPOS="1282" ID="st15-244"/><SP/><String HEIGHT="24" CONTENT="working" WIDTH="87" HPOS="318" VPOS="1282" ID="st15-245"/><SP/><String HEIGHT="24" CONTENT="conditions" WIDTH="109" HPOS="415" VPOS="1282" ID="st15-246"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="534" VPOS="1282" ID="st15-247"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="563" VPOS="1282" ID="st15-248"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="607" VPOS="1282" ID="st15-249"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="702" VPOS="1282" ID="st15-250"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1282" ID="st15-251"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl15-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Brazil" WIDTH="57" HPOS="196" VPOS="1318" ID="st15-252"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="260" VPOS="1318" ID="st15-253"/><SP/><String HEIGHT="24" CONTENT="such" WIDTH="49" HPOS="299" VPOS="1318" ID="st15-254"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="355" VPOS="1318" ID="st15-255"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="113" HPOS="404" VPOS="1318" ID="st15-256"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="523" VPOS="1318" ID="st15-257"/><SP/><String HEIGHT="24" CONTENT="intense" WIDTH="76" HPOS="580" VPOS="1318" ID="st15-258"/><SP/><String HEIGHT="24" CONTENT="demands" WIDTH="97" HPOS="663" VPOS="1318" ID="st15-259"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="767" VPOS="1318" ID="st15-260"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl15-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="them" WIDTH="56" HPOS="196" VPOS="1354" ID="st15-261"/><SP/><String HEIGHT="24" CONTENT="while" WIDTH="57" HPOS="260" VPOS="1354" ID="st15-262"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="325" VPOS="1354" ID="st15-263"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="445" VPOS="1354" ID="st15-264"/><SP/><String HEIGHT="24" CONTENT="minimal" WIDTH="85" HPOS="503" VPOS="1354" ID="st15-265"/><SP/><String HEIGHT="24" CONTENT="workplace" WIDTH="109" HPOS="596" VPOS="1354" ID="st15-266"/><SP/><String HEIGHT="24" CONTENT="control" WIDTH="71" HPOS="713" VPOS="1354" ID="st15-267"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="1354" ID="st15-268"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl15-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Brazilian" WIDTH="89" HPOS="196" VPOS="1390" ID="st15-269"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="52" HPOS="292" VPOS="1390" ID="st15-270"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="351" VPOS="1390" ID="st15-271"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="442" VPOS="1390" ID="st15-272"/><SP/><String HEIGHT="24" CONTENT="twice" WIDTH="57" HPOS="501" VPOS="1390" ID="st15-273"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="564" VPOS="1390" ID="st15-274"/><SP/><String HEIGHT="24" CONTENT="likely" WIDTH="53" HPOS="593" VPOS="1390" ID="st15-275"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="652" VPOS="1390" ID="st15-276"/><SP/><String HEIGHT="24" CONTENT="experience" WIDTH="114" HPOS="681" VPOS="1390" ID="st15-277"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl15-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="mental" WIDTH="74" HPOS="196" VPOS="1426" ID="st15-278"/><SP/><String HEIGHT="24" CONTENT="health" WIDTH="66" HPOS="279" VPOS="1426" ID="st15-279"/><SP/><String HEIGHT="24" CONTENT="problems" WIDTH="98" HPOS="354" VPOS="1426" ID="st15-280"/><SP/><String HEIGHT="24" CONTENT="such" WIDTH="48" HPOS="461" VPOS="1426" ID="st15-281"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="518" VPOS="1426" ID="st15-282"/><SP/><String HEIGHT="24" CONTENT="depression" WIDTH="113" HPOS="549" VPOS="1426" ID="st15-283"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="671" VPOS="1426" ID="st15-284"/><SP/><String HEIGHT="24" CONTENT="anxiety" WIDTH="75" HPOS="720" VPOS="1426" ID="st15-285"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl15-29" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="based" WIDTH="63" HPOS="196" VPOS="1463" ID="st15-286"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="266" VPOS="1463" ID="st15-287"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="301" VPOS="1463" ID="st15-288"/><SP/><String HEIGHT="23" CONTENT="job" WIDTH="33" HPOS="343" VPOS="1463" ID="st15-289"/><SP/><String HEIGHT="23" CONTENT="strain" WIDTH="58" HPOS="384" VPOS="1463" ID="st15-290"/><SP/><String HEIGHT="23" CONTENT="model" WIDTH="67" HPOS="449" VPOS="1463" ID="st15-291"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="523" VPOS="1463" ID="st15-292"/><String HEIGHT="23" CONTENT="Karasek" WIDTH="76" HPOS="533" VPOS="1463" ID="st15-293"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="609" VPOS="1463" ID="st15-294"/><SP/><String HEIGHT="23" CONTENT="1979" WIDTH="46" HPOS="628" VPOS="1463" ID="st15-295"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="674" VPOS="1463" ID="st15-296"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="685" VPOS="1463" ID="st15-297"/><SP/><String HEIGHT="23" CONTENT="This" WIDTH="42" HPOS="704" VPOS="1463" ID="st15-298"/><SP/><String HEIGHT="23" CONTENT="was" WIDTH="42" HPOS="753" VPOS="1463" ID="st15-299"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl15-30" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="especially" WIDTH="100" HPOS="196" VPOS="1499" ID="st15-300"/><SP/><String HEIGHT="23" CONTENT="true" WIDTH="43" HPOS="302" VPOS="1499" ID="st15-301"/><SP/><String HEIGHT="23" CONTENT="where" WIDTH="66" HPOS="351" VPOS="1499" ID="st15-302"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="84" HPOS="423" VPOS="1499" ID="st15-303"/><SP/><String HEIGHT="23" CONTENT="felt" WIDTH="35" HPOS="513" VPOS="1499" ID="st15-304"/><SP/><String HEIGHT="23" CONTENT="overcommitted" WIDTH="156" HPOS="553" VPOS="1499" ID="st15-305"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="709" VPOS="1499" ID="st15-306"/><SP/><String HEIGHT="23" CONTENT="lacked" WIDTH="68" HPOS="727" VPOS="1499" ID="st15-307"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl15-31" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="social" WIDTH="59" HPOS="196" VPOS="1535" ID="st15-308"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="263" VPOS="1535" ID="st15-309"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="20" HPOS="354" VPOS="1535" ID="st15-310"/><SP/><String HEIGHT="24" CONTENT="work" WIDTH="48" HPOS="383" VPOS="1535" ID="st15-311"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="431" VPOS="1535" ID="st15-312"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="453" VPOS="1535" ID="st15-313"/><SP/><String HEIGHT="24" CONTENT="there" WIDTH="56" HPOS="501" VPOS="1535" ID="st15-314"/><SP/><String HEIGHT="24" CONTENT="was" WIDTH="42" HPOS="565" VPOS="1535" ID="st15-315"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="615" VPOS="1535" ID="st15-316"/><SP/><String HEIGHT="24" CONTENT="imbalance" WIDTH="109" HPOS="643" VPOS="1535" ID="st15-317"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="24" HPOS="760" VPOS="1535" ID="st15-318" SUBS_TYPE="HypPart1" SUBS_CONTENT="between"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1535" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl15-32" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tween" WIDTH="67" HPOS="196" VPOS="1571" ID="st15-319" SUBS_TYPE="HypPart2" SUBS_CONTENT="between"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="269" VPOS="1571" ID="st15-320"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="69" HPOS="324" VPOS="1571" ID="st15-321"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="399" VPOS="1571" ID="st15-322"/><SP/><String HEIGHT="24" CONTENT="rewards" WIDTH="84" HPOS="445" VPOS="1571" ID="st15-323"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="535" VPOS="1571" ID="st15-324"/><String HEIGHT="24" CONTENT="Silva" WIDTH="45" HPOS="544" VPOS="1571" ID="st15-325"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="595" VPOS="1571" ID="st15-326"/><SP/><String HEIGHT="24" CONTENT="Barreto" WIDTH="73" HPOS="642" VPOS="1571" ID="st15-327"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="715" VPOS="1571" ID="st15-328"/><SP/><String HEIGHT="24" CONTENT="2010" WIDTH="50" HPOS="732" VPOS="1571" ID="st15-329"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="782" VPOS="1571" ID="st15-330"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl15-33" WIDTH="256" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1607" ID="st15-331"/><SP/><String HEIGHT="24" CONTENT="Petarli" WIDTH="65" HPOS="244" VPOS="1607" ID="st15-332"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="316" VPOS="1607" ID="st15-333"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="344" VPOS="1607" ID="st15-334"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="360" VPOS="1607" ID="st15-335"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="368" VPOS="1607" ID="st15-336"/><SP/><String HEIGHT="24" CONTENT="2015" WIDTH="46" HPOS="382" VPOS="1607" ID="st15-337"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="428" VPOS="1607" ID="st15-338"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="440" VPOS="1607" ID="st15-339"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl15-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Brazil" WIDTH="53" HPOS="196" VPOS="1679" ID="st15-340"/><String HEIGHT="24" CONTENT="’" WIDTH="9" HPOS="249" VPOS="1679" ID="st15-341"/><String HEIGHT="24" CONTENT="s" WIDTH="9" HPOS="258" VPOS="1679" ID="st15-342"/><SP/><String HEIGHT="24" CONTENT="leading" WIDTH="78" HPOS="275" VPOS="1679" ID="st15-343"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="361" VPOS="1679" ID="st15-344"/><SP/><String HEIGHT="24" CONTENT="confederation" WIDTH="143" HPOS="423" VPOS="1679" ID="st15-345"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="566" VPOS="1679" ID="st15-346"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="586" VPOS="1679" ID="st15-347"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="635" VPOS="1679" ID="st15-348"/><SP/><String HEIGHT="24" CONTENT="finance" WIDTH="78" HPOS="666" VPOS="1679" ID="st15-349"/><SP/><String HEIGHT="24" CONTENT="fed" WIDTH="33" HPOS="752" VPOS="1679" ID="st15-350" SUBS_TYPE="HypPart1" SUBS_CONTENT="federation"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1679" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl15-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="eration" WIDTH="71" HPOS="196" VPOS="1715" ID="st15-351" SUBS_TYPE="HypPart2" SUBS_CONTENT="federation"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="267" VPOS="1715" ID="st15-352"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="284" VPOS="1715" ID="st15-353"/><SP/><String HEIGHT="24" CONTENT="CONTRAF" WIDTH="95" HPOS="325" VPOS="1715" ID="st15-354"/><String HEIGHT="24" CONTENT="-" WIDTH="14" HPOS="420" VPOS="1715" ID="st15-355"/><String HEIGHT="24" CONTENT="CUT" WIDTH="41" HPOS="434" VPOS="1715" ID="st15-356"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="475" VPOS="1715" ID="st15-357"/><SP/><String HEIGHT="24" CONTENT="organizes" WIDTH="101" HPOS="495" VPOS="1715" ID="st15-358"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="602" VPOS="1715" ID="st15-359"/><SP/><String HEIGHT="24" CONTENT="challenge" WIDTH="102" HPOS="630" VPOS="1715" ID="st15-360"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="738" VPOS="1715" ID="st15-361"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl15-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="degrading" WIDTH="109" HPOS="196" VPOS="1751" ID="st15-362"/><SP/><String HEIGHT="24" CONTENT="working" WIDTH="87" HPOS="315" VPOS="1751" ID="st15-363"/><SP/><String HEIGHT="24" CONTENT="conditions" WIDTH="105" HPOS="413" VPOS="1751" ID="st15-364"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="518" VPOS="1751" ID="st15-365"/><SP/><String HEIGHT="24" CONTENT="For" WIDTH="34" HPOS="539" VPOS="1751" ID="st15-366"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="84" HPOS="583" VPOS="1751" ID="st15-367"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="667" VPOS="1751" ID="st15-368"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="689" VPOS="1751" ID="st15-369"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="734" VPOS="1751" ID="st15-370"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl15-37" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="signed" WIDTH="70" HPOS="196" VPOS="1788" ID="st15-371"/><SP/><String HEIGHT="23" CONTENT="an" WIDTH="27" HPOS="273" VPOS="1788" ID="st15-372"/><SP/><String HEIGHT="23" CONTENT="agreement" WIDTH="115" HPOS="307" VPOS="1788" ID="st15-373"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="430" VPOS="1788" ID="st15-374"/><SP/><String HEIGHT="23" CONTENT="curtail" WIDTH="65" HPOS="460" VPOS="1788" ID="st15-375"/><SP/><String HEIGHT="23" CONTENT="harmful" WIDTH="84" HPOS="532" VPOS="1788" ID="st15-376"/><SP/><String HEIGHT="23" CONTENT="workplace" WIDTH="110" HPOS="623" VPOS="1788" ID="st15-377"/><SP/><String HEIGHT="23" CONTENT="prac" WIDTH="44" HPOS="741" VPOS="1788" ID="st15-378" SUBS_TYPE="HypPart1" SUBS_CONTENT="practices"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1788" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl15-38" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="tices" WIDTH="48" HPOS="196" VPOS="1824" ID="st15-379" SUBS_TYPE="HypPart2" SUBS_CONTENT="practices"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="253" VPOS="1824" ID="st15-380"/><SP/><String HEIGHT="23" CONTENT="Banco" WIDTH="66" HPOS="309" VPOS="1824" ID="st15-381"/><SP/><String HEIGHT="23" CONTENT="Santander" WIDTH="101" HPOS="384" VPOS="1824" ID="st15-382"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="485" VPOS="1824" ID="st15-383"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="506" VPOS="1824" ID="st15-384"/><SP/><String HEIGHT="23" CONTENT="dominant" WIDTH="103" HPOS="528" VPOS="1824" ID="st15-385"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="640" VPOS="1824" ID="st15-386"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="702" VPOS="1824" ID="st15-387"/><SP/><String HEIGHT="23" CONTENT="Brazil" WIDTH="54" HPOS="731" VPOS="1824" ID="st15-388"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="785" VPOS="1824" ID="st15-389"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl15-39" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="196" VPOS="1860" ID="st15-390"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="225" VPOS="1860" ID="st15-391"/><SP/><String HEIGHT="24" CONTENT="agreement" WIDTH="109" HPOS="271" VPOS="1860" ID="st15-392"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="380" VPOS="1860" ID="st15-393"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="402" VPOS="1860" ID="st15-394"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="445" VPOS="1860" ID="st15-395"/><SP/><String HEIGHT="24" CONTENT="pledges" WIDTH="82" HPOS="507" VPOS="1860" ID="st15-396"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="598" VPOS="1860" ID="st15-397"/><SP/><String HEIGHT="24" CONTENT="limit" WIDTH="46" HPOS="629" VPOS="1860" ID="st15-398"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="684" VPOS="1860" ID="st15-399"/><SP/><String HEIGHT="24" CONTENT="use" WIDTH="37" HPOS="727" VPOS="1860" ID="st15-400"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="772" VPOS="1860" ID="st15-401"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl15-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="unrealistic" WIDTH="107" HPOS="196" VPOS="1896" ID="st15-402"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="50" HPOS="310" VPOS="1896" ID="st15-403"/><SP/><String HEIGHT="24" CONTENT="goals" WIDTH="56" HPOS="367" VPOS="1896" ID="st15-404"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="430" VPOS="1896" ID="st15-405"/><SP/><String HEIGHT="24" CONTENT="public" WIDTH="64" HPOS="478" VPOS="1896" ID="st15-406"/><SP/><String HEIGHT="24" CONTENT="employee" WIDTH="103" HPOS="549" VPOS="1896" ID="st15-407"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="659" VPOS="1896" ID="st15-408"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl15-41" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="rankings" WIDTH="87" HPOS="196" VPOS="1932" ID="st15-409"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="283" VPOS="1932" ID="st15-410"/><SP/><String HEIGHT="24" CONTENT="There" WIDTH="59" HPOS="306" VPOS="1932" ID="st15-411"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="377" VPOS="1932" ID="st15-412"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="404" VPOS="1932" ID="st15-413"/><SP/><String HEIGHT="24" CONTENT="joint" WIDTH="48" HPOS="428" VPOS="1932" ID="st15-414"/><SP/><String HEIGHT="24" CONTENT="recognition" WIDTH="121" HPOS="487" VPOS="1932" ID="st15-415"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="620" VPOS="1932" ID="st15-416"/><SP/><String HEIGHT="24" CONTENT="responsible" WIDTH="120" HPOS="675" VPOS="1932" ID="st15-417"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl15-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="customer" WIDTH="99" HPOS="196" VPOS="1968" ID="st15-418"/><SP/><String HEIGHT="24" CONTENT="service" WIDTH="71" HPOS="305" VPOS="1968" ID="st15-419"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="386" VPOS="1968" ID="st15-420"/><SP/><String HEIGHT="24" CONTENT="meaningful" WIDTH="121" HPOS="411" VPOS="1968" ID="st15-421"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="542" VPOS="1968" ID="st15-422"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="574" VPOS="1968" ID="st15-423"/><SP/><String HEIGHT="24" CONTENT="safer" WIDTH="51" HPOS="597" VPOS="1968" ID="st15-424"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="658" VPOS="1968" ID="st15-425"/><SP/><String HEIGHT="24" CONTENT="sounder" WIDTH="86" HPOS="709" VPOS="1968" ID="st15-426"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl15-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="196" VPOS="2004" ID="st15-427"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="257" VPOS="2004" ID="st15-428"/><String HEIGHT="24" CONTENT="A" WIDTH="10" HPOS="267" VPOS="2004" ID="st15-429"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="277" VPOS="2004" ID="st15-430"/><SP/><String HEIGHT="24" CONTENT="DiCristo" WIDTH="80" HPOS="296" VPOS="2004" ID="st15-431"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="376" VPOS="2004" ID="st15-432"/><SP/><String HEIGHT="24" CONTENT="personal" WIDTH="91" HPOS="395" VPOS="2004" ID="st15-433"/><SP/><String HEIGHT="24" CONTENT="communication" WIDTH="165" HPOS="494" VPOS="2004" ID="st15-434"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="667" VPOS="2004" ID="st15-435"/><SP/><String HEIGHT="24" CONTENT="author" WIDTH="65" HPOS="697" VPOS="2004" ID="st15-436"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="762" VPOS="2004" ID="st15-437"/><SP/><String HEIGHT="24" CONTENT="3" WIDTH="14" HPOS="781" VPOS="2004" ID="st15-438"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl15-44" WIDTH="123" HEIGHT="24"><String HEIGHT="24" CONTENT="May" WIDTH="46" HPOS="196" VPOS="2040" ID="st15-439"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="249" VPOS="2040" ID="st15-440"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="295" VPOS="2040" ID="st15-441"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="307" VPOS="2040" ID="st15-442"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl15-45" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Unions" WIDTH="74" HPOS="858" VPOS="307" ID="st15-443"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="943" VPOS="307" ID="st15-444"/><SP/><String HEIGHT="24" CONTENT="Brazil" WIDTH="53" HPOS="974" VPOS="307" ID="st15-445"/><String HEIGHT="24" CONTENT="’" WIDTH="9" HPOS="1027" VPOS="307" ID="st15-446"/><String HEIGHT="24" CONTENT="s" WIDTH="9" HPOS="1036" VPOS="307" ID="st15-447"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="1056" VPOS="307" ID="st15-448"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="1154" VPOS="307" ID="st15-449"/><SP/><String HEIGHT="24" CONTENT="continue" WIDTH="93" HPOS="1229" VPOS="307" ID="st15-450"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1334" VPOS="307" ID="st15-451"/><SP/><String HEIGHT="24" CONTENT="mobilize" WIDTH="89" HPOS="1367" VPOS="307" ID="st15-452"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl15-46" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="858" VPOS="343" ID="st15-453"/><SP/><String HEIGHT="24" CONTENT="challenge" WIDTH="102" HPOS="892" VPOS="343" ID="st15-454"/><SP/><String HEIGHT="24" CONTENT="acute" WIDTH="59" HPOS="1005" VPOS="343" ID="st15-455"/><SP/><String HEIGHT="24" CONTENT="inequality" WIDTH="100" HPOS="1075" VPOS="343" ID="st15-456"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="1175" VPOS="343" ID="st15-457"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1197" VPOS="343" ID="st15-458"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="50" HPOS="1228" VPOS="343" ID="st15-459"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1278" VPOS="343" ID="st15-460"/><SP/><String HEIGHT="24" CONTENT="Brazilian" WIDTH="90" HPOS="1302" VPOS="343" ID="st15-461"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="1403" VPOS="343" ID="st15-462"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl15-47" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="858" VPOS="379" ID="st15-463"/><SP/><String HEIGHT="24" CONTENT="challenged" WIDTH="115" HPOS="977" VPOS="379" ID="st15-464"/><SP/><String HEIGHT="24" CONTENT="attempts" WIDTH="95" HPOS="1099" VPOS="379" ID="st15-465"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1201" VPOS="379" ID="st15-466"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1233" VPOS="379" ID="st15-467"/><SP/><String HEIGHT="24" CONTENT="National" WIDTH="89" HPOS="1274" VPOS="379" ID="st15-468"/><SP/><String HEIGHT="24" CONTENT="Banking" WIDTH="86" HPOS="1370" VPOS="379" ID="st15-469"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl15-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Federation" WIDTH="112" HPOS="858" VPOS="415" ID="st15-470"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="977" VPOS="415" ID="st15-471"/><String HEIGHT="24" CONTENT="Febraban" WIDTH="89" HPOS="988" VPOS="415" ID="st15-472"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1077" VPOS="415" ID="st15-473"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1096" VPOS="415" ID="st15-474"/><SP/><String HEIGHT="24" CONTENT="undercut" WIDTH="95" HPOS="1125" VPOS="415" ID="st15-475"/><SP/><String HEIGHT="24" CONTENT="wages" WIDTH="62" HPOS="1227" VPOS="415" ID="st15-476"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1289" VPOS="415" ID="st15-477"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1308" VPOS="415" ID="st15-478"/><SP/><String HEIGHT="24" CONTENT="struck" WIDTH="64" HPOS="1355" VPOS="415" ID="st15-479"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1426" VPOS="415" ID="st15-480"/></TextLine><TextLine HPOS="858" VPOS="451" ID="tl15-49" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="31" WIDTH="28" HPOS="858" VPOS="451" ID="st15-481"/><SP/><String HEIGHT="24" CONTENT="days" WIDTH="47" HPOS="893" VPOS="451" ID="st15-482"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="59" HPOS="947" VPOS="451" ID="st15-483"/><SP/><String HEIGHT="24" CONTENT="Febraban" WIDTH="99" HPOS="1013" VPOS="451" ID="st15-484"/><SP/><String HEIGHT="24" CONTENT="refused" WIDTH="79" HPOS="1119" VPOS="451" ID="st15-485"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1205" VPOS="451" ID="st15-486"/><SP/><String HEIGHT="24" CONTENT="apply" WIDTH="57" HPOS="1234" VPOS="451" ID="st15-487"/><SP/><String HEIGHT="24" CONTENT="pay" WIDTH="37" HPOS="1298" VPOS="451" ID="st15-488"/><SP/><String HEIGHT="24" CONTENT="raises" WIDTH="56" HPOS="1342" VPOS="451" ID="st15-489"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1398" VPOS="451" ID="st15-490"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="41" HPOS="1415" VPOS="451" ID="st15-491"/></TextLine><TextLine HPOS="858" VPOS="488" ID="tl15-50" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="was" WIDTH="41" HPOS="858" VPOS="488" ID="st15-492"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="909" VPOS="488" ID="st15-493"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="66" HPOS="954" VPOS="488" ID="st15-494"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="1020" VPOS="488" ID="st15-495"/><SP/><String HEIGHT="23" CONTENT="longest" WIDTH="78" HPOS="1042" VPOS="488" ID="st15-496"/><SP/><String HEIGHT="23" CONTENT="strike" WIDTH="57" HPOS="1130" VPOS="488" ID="st15-497"/><SP/><String HEIGHT="23" CONTENT="since" WIDTH="53" HPOS="1197" VPOS="488" ID="st15-498"/><SP/><String HEIGHT="23" CONTENT="2004" WIDTH="49" HPOS="1260" VPOS="488" ID="st15-499"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="1309" VPOS="488" ID="st15-500"/><SP/><String HEIGHT="23" CONTENT="Collectively" WIDTH="114" HPOS="1332" VPOS="488" ID="st15-501"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1446" VPOS="488" ID="st15-502"/></TextLine><TextLine HPOS="858" VPOS="524" ID="tl15-51" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="workers" WIDTH="84" HPOS="858" VPOS="524" ID="st15-503"/><SP/><String HEIGHT="23" CONTENT="won" WIDTH="48" HPOS="948" VPOS="524" ID="st15-504"/><SP/><String HEIGHT="23" CONTENT="an" WIDTH="26" HPOS="1002" VPOS="524" ID="st15-505"/><SP/><String HEIGHT="23" CONTENT="annual" WIDTH="72" HPOS="1034" VPOS="524" ID="st15-506"/><SP/><String HEIGHT="23" CONTENT="wage" WIDTH="59" HPOS="1112" VPOS="524" ID="st15-507"/><SP/><String HEIGHT="23" CONTENT="increase" WIDTH="85" HPOS="1177" VPOS="524" ID="st15-508"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="1268" VPOS="524" ID="st15-509"/><SP/><String HEIGHT="23" CONTENT="8" WIDTH="13" HPOS="1297" VPOS="524" ID="st15-510"/><SP/><String HEIGHT="23" CONTENT="per" WIDTH="35" HPOS="1316" VPOS="524" ID="st15-511"/><SP/><String HEIGHT="23" CONTENT="cent" WIDTH="42" HPOS="1357" VPOS="524" ID="st15-512"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1399" VPOS="524" ID="st15-513"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="524" ID="st15-514"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl15-52" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="food" WIDTH="50" HPOS="858" VPOS="560" ID="st15-515"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="916" VPOS="560" ID="st15-516"/><SP/><String HEIGHT="24" CONTENT="child" WIDTH="50" HPOS="964" VPOS="560" ID="st15-517"/><SP/><String HEIGHT="24" CONTENT="care" WIDTH="44" HPOS="1021" VPOS="560" ID="st15-518"/><SP/><String HEIGHT="24" CONTENT="allowance" WIDTH="107" HPOS="1073" VPOS="560" ID="st15-519"/><SP/><String HEIGHT="24" CONTENT="raises" WIDTH="58" HPOS="1188" VPOS="560" ID="st15-520"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1254" VPOS="560" ID="st15-521"/><SP/><String HEIGHT="24" CONTENT="10" WIDTH="28" HPOS="1284" VPOS="560" ID="st15-522"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="34" HPOS="1320" VPOS="560" ID="st15-523"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="1362" VPOS="560" ID="st15-524"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="560" ID="st15-525"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl15-53" WIDTH="434" HEIGHT="24"><String HEIGHT="24" CONTENT="15" WIDTH="28" HPOS="858" VPOS="596" ID="st15-526"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="34" HPOS="893" VPOS="596" ID="st15-527"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="42" HPOS="934" VPOS="596" ID="st15-528"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="976" VPOS="596" ID="st15-529"/><SP/><String HEIGHT="24" CONTENT="respectively" WIDTH="122" HPOS="994" VPOS="596" ID="st15-530"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1123" VPOS="596" ID="st15-531"/><String HEIGHT="24" CONTENT="Reuters" WIDTH="72" HPOS="1133" VPOS="596" ID="st15-532"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1205" VPOS="596" ID="st15-533"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="1223" VPOS="596" ID="st15-534"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1269" VPOS="596" ID="st15-535"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1280" VPOS="596" ID="st15-536"/></TextLine><TextLine HPOS="858" VPOS="700" ID="tl15-54" WIDTH="441" HEIGHT="29"><String HEIGHT="29" CONTENT="Consultation" WIDTH="166" HPOS="858" VPOS="700" ID="st15-537"/><SP/><String HEIGHT="29" CONTENT="and" WIDTH="49" HPOS="1033" VPOS="700" ID="st15-538"/><SP/><String HEIGHT="29" CONTENT="Communication" WIDTH="209" HPOS="1090" VPOS="700" ID="st15-539"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl15-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="858" VPOS="776" ID="st15-540"/><SP/><String HEIGHT="24" CONTENT="addition" WIDTH="88" HPOS="887" VPOS="776" ID="st15-541"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="985" VPOS="776" ID="st15-542"/><SP/><String HEIGHT="24" CONTENT="numerous" WIDTH="106" HPOS="1017" VPOS="776" ID="st15-543"/><SP/><String HEIGHT="24" CONTENT="local" WIDTH="49" HPOS="1133" VPOS="776" ID="st15-544"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1192" VPOS="776" ID="st15-545"/><SP/><String HEIGHT="24" CONTENT="national" WIDTH="87" HPOS="1242" VPOS="776" ID="st15-546"/><SP/><String HEIGHT="24" CONTENT="regulations" WIDTH="117" HPOS="1339" VPOS="776" ID="st15-547"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl15-56" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="858" VPOS="813" ID="st15-548"/><SP/><String HEIGHT="23" CONTENT="union" WIDTH="61" HPOS="907" VPOS="813" ID="st15-549"/><SP/><String HEIGHT="23" CONTENT="structures" WIDTH="100" HPOS="977" VPOS="813" ID="st15-550"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1077" VPOS="813" ID="st15-551"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="85" HPOS="1096" VPOS="813" ID="st15-552"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="1189" VPOS="813" ID="st15-553"/><SP/><String HEIGHT="23" CONTENT="employers" WIDTH="109" HPOS="1238" VPOS="813" ID="st15-554"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="1355" VPOS="813" ID="st15-555"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1384" VPOS="813" ID="st15-556"/><SP/><String HEIGHT="23" CONTENT="EU" WIDTH="29" HPOS="1427" VPOS="813" ID="st15-557"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl15-57" WIDTH="429" HEIGHT="23"><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="858" VPOS="849" ID="st15-558"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="907" VPOS="849" ID="st15-559"/><SP/><String HEIGHT="23" CONTENT="European" WIDTH="101" HPOS="951" VPOS="849" ID="st15-560"/><SP/><String HEIGHT="23" CONTENT="Economic" WIDTH="102" HPOS="1061" VPOS="849" ID="st15-561"/><SP/><String HEIGHT="23" CONTENT="Area" WIDTH="50" HPOS="1172" VPOS="849" ID="st15-562"/><String HEIGHT="23" CONTENT="(" WIDTH="11" HPOS="1231" VPOS="849" ID="st15-563"/><String HEIGHT="23" CONTENT="EEA" WIDTH="33" HPOS="1242" VPOS="849" ID="st15-564"/><String HEIGHT="23" CONTENT=")" WIDTH="12" HPOS="1275" VPOS="849" ID="st15-565"/></TextLine><TextLine HPOS="1287" VPOS="848" ID="tl15-58" WIDTH="8" HEIGHT="14"><String HEIGHT="14" CONTENT="9" WIDTH="8" HPOS="1287" VPOS="848" ID="st15-566"/></TextLine><TextLine HPOS="1304" VPOS="849" ID="tl15-59" WIDTH="152" HEIGHT="23"><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="1304" VPOS="849" ID="st15-567"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1363" VPOS="849" ID="st15-568"/><SP/><String HEIGHT="23" CONTENT="right" WIDTH="50" HPOS="1406" VPOS="849" ID="st15-569"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl15-60" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="858" VPOS="885" ID="st15-570"/><SP/><String HEIGHT="24" CONTENT="establish" WIDTH="91" HPOS="891" VPOS="885" ID="st15-571"/><SP/><String HEIGHT="24" CONTENT="European" WIDTH="101" HPOS="993" VPOS="885" ID="st15-572"/><SP/><String HEIGHT="24" CONTENT="Works" WIDTH="68" HPOS="1105" VPOS="885" ID="st15-573"/><SP/><String HEIGHT="24" CONTENT="Councils" WIDTH="91" HPOS="1183" VPOS="885" ID="st15-574"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="1285" VPOS="885" ID="st15-575"/><String HEIGHT="24" CONTENT="EWCs" WIDTH="51" HPOS="1297" VPOS="885" ID="st15-576"/><String HEIGHT="24" CONTENT=")" WIDTH="13" HPOS="1348" VPOS="885" ID="st15-577"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1372" VPOS="885" ID="st15-578"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="1403" VPOS="885" ID="st15-579"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl15-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="858" VPOS="921" ID="st15-580"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="915" VPOS="921" ID="st15-581"/><SP/><String HEIGHT="24" CONTENT="least" WIDTH="48" HPOS="946" VPOS="921" ID="st15-582"/><SP/><String HEIGHT="24" CONTENT="1,000" WIDTH="63" HPOS="1004" VPOS="921" ID="st15-583"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="1077" VPOS="921" ID="st15-584"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1199" VPOS="921" ID="st15-585"/><SP/><String HEIGHT="24" CONTENT="two" WIDTH="42" HPOS="1229" VPOS="921" ID="st15-586"/><SP/><String HEIGHT="24" CONTENT="EU" WIDTH="29" HPOS="1281" VPOS="921" ID="st15-587"/><SP/><String HEIGHT="24" CONTENT="countries" WIDTH="93" HPOS="1320" VPOS="921" ID="st15-588"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1413" VPOS="921" ID="st15-589"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1434" VPOS="921" ID="st15-590"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl15-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="858" VPOS="957" ID="st15-591"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="919" VPOS="957" ID="st15-592"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="975" VPOS="957" ID="st15-593"/><SP/><String HEIGHT="24" CONTENT="least" WIDTH="48" HPOS="1005" VPOS="957" ID="st15-594"/><SP/><String HEIGHT="24" CONTENT="150" WIDTH="42" HPOS="1062" VPOS="957" ID="st15-595"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="113" HPOS="1112" VPOS="957" ID="st15-596"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1234" VPOS="957" ID="st15-597"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1262" VPOS="957" ID="st15-598"/><SP/><String HEIGHT="24" CONTENT="EEA" WIDTH="36" HPOS="1305" VPOS="957" ID="st15-599"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="1341" VPOS="957" ID="st15-600"/><SP/><String HEIGHT="24" CONTENT="Each" WIDTH="50" HPOS="1363" VPOS="957" ID="st15-601"/><SP/><String HEIGHT="24" CONTENT="Eu" WIDTH="24" HPOS="1421" VPOS="957" ID="st15-602" SUBS_TYPE="HypPart1" SUBS_CONTENT="European"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="957" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl15-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ropean" WIDTH="74" HPOS="858" VPOS="993" ID="st15-603" SUBS_TYPE="HypPart2" SUBS_CONTENT="European"/><SP/><String HEIGHT="24" CONTENT="Works" WIDTH="68" HPOS="940" VPOS="993" ID="st15-604"/><SP/><String HEIGHT="24" CONTENT="Council" WIDTH="81" HPOS="1015" VPOS="993" ID="st15-605"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1104" VPOS="993" ID="st15-606"/><SP/><String HEIGHT="24" CONTENT="adapted" WIDTH="87" HPOS="1127" VPOS="993" ID="st15-607"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1222" VPOS="993" ID="st15-608"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1252" VPOS="993" ID="st15-609"/><SP/><String HEIGHT="24" CONTENT="companies" WIDTH="114" HPOS="1294" VPOS="993" ID="st15-610"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="993" ID="st15-611"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl15-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="geographies" WIDTH="130" HPOS="858" VPOS="1029" ID="st15-612"/><SP/><String HEIGHT="24" CONTENT="where" WIDTH="66" HPOS="999" VPOS="1029" ID="st15-613"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1076" VPOS="1029" ID="st15-614"/><SP/><String HEIGHT="24" CONTENT="reside" WIDTH="59" HPOS="1171" VPOS="1029" ID="st15-615"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1230" VPOS="1029" ID="st15-616"/><SP/><String HEIGHT="24" CONTENT="EWCs" WIDTH="62" HPOS="1251" VPOS="1029" ID="st15-617"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="1324" VPOS="1029" ID="st15-618"/><SP/><String HEIGHT="24" CONTENT="inclusive" WIDTH="89" HPOS="1367" VPOS="1029" ID="st15-619"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl15-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1065" ID="st15-620"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="68" HPOS="886" VPOS="1065" ID="st15-621"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="954" VPOS="1065" ID="st15-622"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="56" HPOS="972" VPOS="1065" ID="st15-623"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1028" VPOS="1065" ID="st15-624"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1047" VPOS="1065" ID="st15-625"/><SP/><String HEIGHT="24" CONTENT="manager" WIDTH="94" HPOS="1094" VPOS="1065" ID="st15-626"/><SP/><String HEIGHT="24" CONTENT="representatives" WIDTH="159" HPOS="1194" VPOS="1065" ID="st15-627"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1360" VPOS="1065" ID="st15-628"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1406" VPOS="1065" ID="st15-629"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl15-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="three" WIDTH="55" HPOS="858" VPOS="1101" ID="st15-630"/><SP/><String HEIGHT="24" CONTENT="basic" WIDTH="54" HPOS="927" VPOS="1101" ID="st15-631"/><SP/><String HEIGHT="24" CONTENT="functions" WIDTH="95" HPOS="995" VPOS="1101" ID="st15-632"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="1090" VPOS="1101" ID="st15-633"/><SP/><String HEIGHT="24" CONTENT="information" WIDTH="122" HPOS="1115" VPOS="1101" ID="st15-634"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1237" VPOS="1101" ID="st15-635"/><SP/><String HEIGHT="24" CONTENT="consultation" WIDTH="128" HPOS="1263" VPOS="1101" ID="st15-636"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1391" VPOS="1101" ID="st15-637"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1101" ID="st15-638"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl15-67" WIDTH="469" HEIGHT="23"><String HEIGHT="23" CONTENT="participation" WIDTH="133" HPOS="858" VPOS="1138" ID="st15-639"/><String HEIGHT="23" CONTENT="(" WIDTH="12" HPOS="998" VPOS="1138" ID="st15-640"/><String HEIGHT="23" CONTENT="European" WIDTH="96" HPOS="1010" VPOS="1138" ID="st15-641"/><SP/><String HEIGHT="23" CONTENT="Commission" WIDTH="124" HPOS="1113" VPOS="1138" ID="st15-642"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1237" VPOS="1138" ID="st15-643"/><SP/><String HEIGHT="23" CONTENT="2018" WIDTH="46" HPOS="1257" VPOS="1138" ID="st15-644"/><String HEIGHT="23" CONTENT=")" WIDTH="12" HPOS="1303" VPOS="1138" ID="st15-645"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1315" VPOS="1138" ID="st15-646"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl15-68" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="EWCs" WIDTH="62" HPOS="858" VPOS="1210" ID="st15-647"/><SP/><String HEIGHT="24" CONTENT="offer" WIDTH="50" HPOS="930" VPOS="1210" ID="st15-648"/><SP/><String HEIGHT="24" CONTENT="one" WIDTH="40" HPOS="990" VPOS="1210" ID="st15-649"/><SP/><String HEIGHT="24" CONTENT="potential" WIDTH="95" HPOS="1039" VPOS="1210" ID="st15-650"/><SP/><String HEIGHT="24" CONTENT="template" WIDTH="95" HPOS="1143" VPOS="1210" ID="st15-651"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1247" VPOS="1210" ID="st15-652"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1287" VPOS="1210" ID="st15-653"/><SP/><String HEIGHT="24" CONTENT="structure" WIDTH="94" HPOS="1331" VPOS="1210" ID="st15-654"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="1210" ID="st15-655"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl15-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="858" VPOS="1246" ID="st15-656"/><String HEIGHT="24" CONTENT="regulation" WIDTH="110" HPOS="869" VPOS="1246" ID="st15-657"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="984" VPOS="1246" ID="st15-658"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="65" HPOS="1040" VPOS="1246" ID="st15-659"/><String HEIGHT="24" CONTENT="«" WIDTH="14" HPOS="1105" VPOS="1246" ID="st15-660"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="1124" VPOS="1246" ID="st15-661"/><SP/><String HEIGHT="24" CONTENT="providing" WIDTH="99" HPOS="1154" VPOS="1246" ID="st15-662"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="1259" VPOS="1246" ID="st15-663"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="1348" VPOS="1246" ID="st15-664"/><SP/><String HEIGHT="24" CONTENT="avenue" WIDTH="76" HPOS="1380" VPOS="1246" ID="st15-665"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl15-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="858" VPOS="1282" ID="st15-666"/><SP/><String HEIGHT="24" CONTENT="engage" WIDTH="79" HPOS="885" VPOS="1282" ID="st15-667"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="970" VPOS="1282" ID="st15-668"/><SP/><String HEIGHT="24" CONTENT="dialogue" WIDTH="91" HPOS="995" VPOS="1282" ID="st15-669"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="1091" VPOS="1282" ID="st15-670"/><SP/><String HEIGHT="24" CONTENT="employers" WIDTH="103" HPOS="1144" VPOS="1282" ID="st15-671"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1247" VPOS="1282" ID="st15-672"/><SP/><String HEIGHT="24" CONTENT="governments" WIDTH="133" HPOS="1264" VPOS="1282" ID="st15-673"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1397" VPOS="1282" ID="st15-674"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1282" ID="st15-675"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl15-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="employer" WIDTH="99" HPOS="858" VPOS="1318" ID="st15-676"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="968" VPOS="1318" ID="st15-677"/><SP/><String HEIGHT="24" CONTENT="industry" WIDTH="86" HPOS="1001" VPOS="1318" ID="st15-678"/><SP/><String HEIGHT="24" CONTENT="associations" WIDTH="123" HPOS="1098" VPOS="1318" ID="st15-679"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1221" VPOS="1318" ID="st15-680"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="1243" VPOS="1318" ID="st15-681"/><SP/><String HEIGHT="24" CONTENT="consultations" WIDTH="141" HPOS="1315" VPOS="1318" ID="st15-682"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl15-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="858" VPOS="1354" ID="st15-683"/><SP/><String HEIGHT="24" CONTENT="provide" WIDTH="79" HPOS="906" VPOS="1354" ID="st15-684"/><SP/><String HEIGHT="24" CONTENT="great" WIDTH="55" HPOS="996" VPOS="1354" ID="st15-685"/><SP/><String HEIGHT="24" CONTENT="benefits" WIDTH="85" HPOS="1062" VPOS="1354" ID="st15-686"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1158" VPOS="1354" ID="st15-687"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="107" HPOS="1191" VPOS="1354" ID="st15-688"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1309" VPOS="1354" ID="st15-689"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1360" VPOS="1354" ID="st15-690"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="40" HPOS="1406" VPOS="1354" ID="st15-691"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1446" VPOS="1354" ID="st15-692"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl15-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="858" VPOS="1390" ID="st15-693"/><SP/><String HEIGHT="24" CONTENT="described" WIDTH="102" HPOS="889" VPOS="1390" ID="st15-694"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1000" VPOS="1390" ID="st15-695"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1029" VPOS="1390" ID="st15-696"/><SP/><String HEIGHT="24" CONTENT="Nordic" WIDTH="69" HPOS="1073" VPOS="1390" ID="st15-697"/><SP/><String HEIGHT="24" CONTENT="context" WIDTH="79" HPOS="1151" VPOS="1390" ID="st15-698"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="59" HPOS="1240" VPOS="1390" ID="st15-699"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1299" VPOS="1390" ID="st15-700"/><SP/><String HEIGHT="24" CONTENT="Consultation" WIDTH="136" HPOS="1320" VPOS="1390" ID="st15-701"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl15-74" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1426" ID="st15-702"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="889" VPOS="1426" ID="st15-703"/><SP/><String HEIGHT="24" CONTENT="variety" WIDTH="69" HPOS="936" VPOS="1426" ID="st15-704"/><SP/><String HEIGHT="24" CONTENT="may" WIDTH="44" HPOS="1014" VPOS="1426" ID="st15-705"/><SP/><String HEIGHT="24" CONTENT="restrain" WIDTH="78" HPOS="1068" VPOS="1426" ID="st15-706"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="1155" VPOS="1426" ID="st15-707"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1221" VPOS="1426" ID="st15-708"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1253" VPOS="1426" ID="st15-709"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1296" VPOS="1426" ID="st15-710"/><SP/><String HEIGHT="24" CONTENT="excessive" WIDTH="96" HPOS="1360" VPOS="1426" ID="st15-711"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl15-75" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="compensation" WIDTH="150" HPOS="858" VPOS="1463" ID="st15-712"/><SP/><String HEIGHT="23" CONTENT="practices" WIDTH="93" HPOS="1015" VPOS="1463" ID="st15-713"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1115" VPOS="1463" ID="st15-714"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="32" HPOS="1165" VPOS="1463" ID="st15-715"/><SP/><String HEIGHT="23" CONTENT="driving" WIDTH="73" HPOS="1204" VPOS="1463" ID="st15-716"/><SP/><String HEIGHT="23" CONTENT="acute" WIDTH="58" HPOS="1284" VPOS="1463" ID="st15-717"/><SP/><String HEIGHT="23" CONTENT="inequality" WIDTH="97" HPOS="1349" VPOS="1463" ID="st15-718"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1446" VPOS="1463" ID="st15-719"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl15-76" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="according" WIDTH="103" HPOS="858" VPOS="1499" ID="st15-720"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="968" VPOS="1499" ID="st15-721"/><SP/><String HEIGHT="23" CONTENT="an" WIDTH="26" HPOS="997" VPOS="1499" ID="st15-722"/><SP/><String HEIGHT="23" CONTENT="IMF" WIDTH="38" HPOS="1030" VPOS="1499" ID="st15-723"/><SP/><String HEIGHT="23" CONTENT="study" WIDTH="51" HPOS="1075" VPOS="1499" ID="st15-724"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1126" VPOS="1499" ID="st15-725"/><SP/><String HEIGHT="23" CONTENT="Strong" WIDTH="70" HPOS="1143" VPOS="1499" ID="st15-726"/><SP/><String HEIGHT="23" CONTENT="trade" WIDTH="56" HPOS="1220" VPOS="1499" ID="st15-727"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="71" HPOS="1282" VPOS="1499" ID="st15-728"/><SP/><String HEIGHT="23" CONTENT="may" WIDTH="45" HPOS="1359" VPOS="1499" ID="st15-729"/><SP/><String HEIGHT="23" CONTENT="limit" WIDTH="46" HPOS="1410" VPOS="1499" ID="st15-730"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl15-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="rent" WIDTH="42" HPOS="858" VPOS="1535" ID="st15-731"/><SP/><String HEIGHT="24" CONTENT="extraction" WIDTH="105" HPOS="909" VPOS="1535" ID="st15-732"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1023" VPOS="1535" ID="st15-733"/><SP/><String HEIGHT="24" CONTENT="restrain" WIDTH="79" HPOS="1072" VPOS="1535" ID="st15-734"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="1159" VPOS="1535" ID="st15-735"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1225" VPOS="1535" ID="st15-736"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1256" VPOS="1535" ID="st15-737"/><SP/><String HEIGHT="24" CONTENT="most" WIDTH="53" HPOS="1299" VPOS="1535" ID="st15-738"/><SP/><String HEIGHT="24" CONTENT="excessive" WIDTH="96" HPOS="1360" VPOS="1535" ID="st15-739"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl15-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="earnings" WIDTH="91" HPOS="858" VPOS="1571" ID="st15-740"/><SP/><String HEIGHT="24" CONTENT="tendencies" WIDTH="114" HPOS="954" VPOS="1571" ID="st15-741"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1074" VPOS="1571" ID="st15-742"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1099" VPOS="1571" ID="st15-743"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1140" VPOS="1571" ID="st15-744"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="1235" VPOS="1571" ID="st15-745"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1304" VPOS="1571" ID="st15-746"/><String HEIGHT="24" CONTENT="Jaumotte" WIDTH="95" HPOS="1315" VPOS="1571" ID="st15-747"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1571" ID="st15-748"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl15-79" WIDTH="153" HEIGHT="24"><String HEIGHT="24" CONTENT="Osorio" WIDTH="65" HPOS="858" VPOS="1607" ID="st15-749"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="923" VPOS="1607" ID="st15-750"/><SP/><String HEIGHT="24" CONTENT="2015" WIDTH="46" HPOS="941" VPOS="1607" ID="st15-751"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="987" VPOS="1607" ID="st15-752"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="999" VPOS="1607" ID="st15-753"/></TextLine><TextLine HPOS="858" VPOS="1712" ID="tl15-80" WIDTH="232" HEIGHT="28"><String HEIGHT="28" CONTENT="The" WIDTH="47" HPOS="858" VPOS="1712" ID="st15-754"/><SP/><String HEIGHT="28" CONTENT="Nordic" WIDTH="84" HPOS="914" VPOS="1712" ID="st15-755"/><SP/><String HEIGHT="28" CONTENT="Model" WIDTH="83" HPOS="1007" VPOS="1712" ID="st15-756"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl15-81" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1788" ID="st15-757"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="909" VPOS="1788" ID="st15-758"/><String HEIGHT="23" CONTENT="Nordic" WIDTH="72" HPOS="920" VPOS="1788" ID="st15-759"/><SP/><String HEIGHT="23" CONTENT="model" WIDTH="67" HPOS="1004" VPOS="1788" ID="st15-760"/><String HEIGHT="23" CONTENT="«" WIDTH="14" HPOS="1071" VPOS="1788" ID="st15-761"/><SP/><String HEIGHT="23" CONTENT="represents" WIDTH="110" HPOS="1097" VPOS="1788" ID="st15-762"/><SP/><String HEIGHT="23" CONTENT="one" WIDTH="40" HPOS="1219" VPOS="1788" ID="st15-763"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1272" VPOS="1788" ID="st15-764"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1306" VPOS="1788" ID="st15-765"/><SP/><String HEIGHT="23" CONTENT="best" WIDTH="45" HPOS="1353" VPOS="1788" ID="st15-766"/><SP/><String HEIGHT="23" CONTENT="uses" WIDTH="46" HPOS="1410" VPOS="1788" ID="st15-767"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl15-82" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1824" ID="st15-768"/><SP/><String HEIGHT="23" CONTENT="EWCs" WIDTH="56" HPOS="893" VPOS="1824" ID="st15-769"/><String HEIGHT="23" CONTENT="." WIDTH="14" HPOS="949" VPOS="1824" ID="st15-770"/><SP/><String HEIGHT="23" CONTENT="Bank" WIDTH="53" HPOS="977" VPOS="1824" ID="st15-771"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="72" HPOS="1043" VPOS="1824" ID="st15-772"/><SP/><String HEIGHT="23" CONTENT="across" WIDTH="65" HPOS="1128" VPOS="1824" ID="st15-773"/><SP/><String HEIGHT="23" CONTENT="Scandinavia" WIDTH="130" HPOS="1207" VPOS="1824" ID="st15-774"/><String HEIGHT="23" CONTENT="—" WIDTH="12" HPOS="1337" VPOS="1824" ID="st15-775"/><String HEIGHT="23" CONTENT="including" WIDTH="107" HPOS="1349" VPOS="1824" ID="st15-776"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl15-83" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="finance" WIDTH="78" HPOS="858" VPOS="1860" ID="st15-777"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="942" VPOS="1860" ID="st15-778"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1020" VPOS="1860" ID="st15-779"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1078" VPOS="1860" ID="st15-780"/><SP/><String HEIGHT="24" CONTENT="IF" WIDTH="17" HPOS="1119" VPOS="1860" ID="st15-781"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1143" VPOS="1860" ID="st15-782"/><String HEIGHT="24" CONTENT="Insurance" WIDTH="91" HPOS="1153" VPOS="1860" ID="st15-783"/><String HEIGHT="24" CONTENT=")" WIDTH="10" HPOS="1244" VPOS="1860" ID="st15-784"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1254" VPOS="1860" ID="st15-785"/><SP/><String HEIGHT="24" CONTENT="Nordea" WIDTH="77" HPOS="1272" VPOS="1860" ID="st15-786"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="1356" VPOS="1860" ID="st15-787"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1860" ID="st15-788"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl15-84" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Danske" WIDTH="78" HPOS="858" VPOS="1896" ID="st15-789"/><SP/><String HEIGHT="24" CONTENT="Group" WIDTH="67" HPOS="943" VPOS="1896" ID="st15-790"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="60" HPOS="1017" VPOS="1896" ID="st15-791"/><String HEIGHT="24" CONTENT="—" WIDTH="15" HPOS="1077" VPOS="1896" ID="st15-792"/><String HEIGHT="24" CONTENT="came" WIDTH="60" HPOS="1092" VPOS="1896" ID="st15-793"/><SP/><String HEIGHT="24" CONTENT="together" WIDTH="92" HPOS="1159" VPOS="1896" ID="st15-794"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1258" VPOS="1896" ID="st15-795"/><SP/><String HEIGHT="24" CONTENT="form" WIDTH="51" HPOS="1287" VPOS="1896" ID="st15-796"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1345" VPOS="1896" ID="st15-797"/><SP/><String HEIGHT="24" CONTENT="Nordic" WIDTH="69" HPOS="1387" VPOS="1896" ID="st15-798"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl15-85" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Financial" WIDTH="91" HPOS="858" VPOS="1932" ID="st15-799"/><SP/><String HEIGHT="24" CONTENT="Unions" WIDTH="74" HPOS="956" VPOS="1932" ID="st15-800"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="1037" VPOS="1932" ID="st15-801"/><String HEIGHT="24" CONTENT="NFU" WIDTH="35" HPOS="1048" VPOS="1932" ID="st15-802"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1083" VPOS="1932" ID="st15-803"/><SP/><String HEIGHT="24" CONTENT="decades" WIDTH="86" HPOS="1102" VPOS="1932" ID="st15-804"/><SP/><String HEIGHT="24" CONTENT="ago" WIDTH="40" HPOS="1195" VPOS="1932" ID="st15-805"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1242" VPOS="1932" ID="st15-806"/><SP/><String HEIGHT="24" CONTENT="ensure" WIDTH="70" HPOS="1271" VPOS="1932" ID="st15-807"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1348" VPOS="1932" ID="st15-808"/><SP/><String HEIGHT="24" CONTENT="EWC" WIDTH="53" HPOS="1403" VPOS="1932" ID="st15-809"/></TextLine><TextLine HPOS="858" VPOS="1999" ID="tl15-86" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="9" WIDTH="7" HPOS="858" VPOS="1999" ID="st15-810"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="865" VPOS="1999" ID="st15-811"/><String HEIGHT="19" CONTENT=" " WIDTH="7" HPOS="872" VPOS="1999" ID="st15-812"/><SP/><String HEIGHT="19" CONTENT="Countries" WIDTH="80" HPOS="884" VPOS="1999" ID="st15-813"/><SP/><String HEIGHT="19" CONTENT="that" WIDTH="33" HPOS="969" VPOS="1999" ID="st15-814"/><SP/><String HEIGHT="19" CONTENT="are" WIDTH="26" HPOS="1007" VPOS="1999" ID="st15-815"/><SP/><String HEIGHT="19" CONTENT="members" WIDTH="77" HPOS="1038" VPOS="1999" ID="st15-816"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1120" VPOS="1999" ID="st15-817"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1143" VPOS="1999" ID="st15-818"/><SP/><String HEIGHT="19" CONTENT="EEA" WIDTH="28" HPOS="1175" VPOS="1999" ID="st15-819"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="1203" VPOS="1999" ID="st15-820"/><SP/><String HEIGHT="19" CONTENT="but" WIDTH="28" HPOS="1218" VPOS="1999" ID="st15-821"/><SP/><String HEIGHT="19" CONTENT="not" WIDTH="28" HPOS="1251" VPOS="1999" ID="st15-822"/><SP/><String HEIGHT="19" CONTENT="part" WIDTH="34" HPOS="1284" VPOS="1999" ID="st15-823"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1323" VPOS="1999" ID="st15-824"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1345" VPOS="1999" ID="st15-825"/><SP/><String HEIGHT="19" CONTENT="European" WIDTH="78" HPOS="1378" VPOS="1999" ID="st15-826"/></TextLine><TextLine HPOS="858" VPOS="2023" ID="tl15-87" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="Union" WIDTH="45" HPOS="858" VPOS="2023" ID="st15-827"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="903" VPOS="2023" ID="st15-828"/><SP/><String HEIGHT="18" CONTENT="include" WIDTH="59" HPOS="919" VPOS="2023" ID="st15-829"/><SP/><String HEIGHT="18" CONTENT="Norway" WIDTH="58" HPOS="984" VPOS="2023" ID="st15-830"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="1042" VPOS="2023" ID="st15-831"/><SP/><String HEIGHT="18" CONTENT="Iceland" WIDTH="55" HPOS="1058" VPOS="2023" ID="st15-832"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="1113" VPOS="2023" ID="st15-833"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="1127" VPOS="2023" ID="st15-834"/><SP/><String HEIGHT="18" CONTENT="Liechtenstein" WIDTH="104" HPOS="1165" VPOS="2023" ID="st15-835"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1269" VPOS="2023" ID="st15-836"/><SP/><String HEIGHT="18" CONTENT="Switzerland" WIDTH="96" HPOS="1284" VPOS="2023" ID="st15-837"/><SP/><String HEIGHT="18" CONTENT="is" WIDTH="12" HPOS="1386" VPOS="2023" ID="st15-838"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1404" VPOS="2023" ID="st15-839"/><SP/><String HEIGHT="18" CONTENT="nei" WIDTH="24" HPOS="1425" VPOS="2023" ID="st15-840" SUBS_TYPE="HypPart1" SUBS_CONTENT="neither"/><HYP CONTENT="-" WIDTH="7" HPOS="1449" VPOS="2023" HEIGHT="18"/></TextLine><TextLine HPOS="858" VPOS="2046" ID="tl15-88" WIDTH="203" HEIGHT="19"><String HEIGHT="19" CONTENT="ther" WIDTH="33" HPOS="858" VPOS="2046" ID="st15-841" SUBS_TYPE="HypPart2" SUBS_CONTENT="neither"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="897" VPOS="2046" ID="st15-842"/><SP/><String HEIGHT="19" CONTENT="EU" WIDTH="23" HPOS="929" VPOS="2046" ID="st15-843"/><SP/><String HEIGHT="19" CONTENT="nor" WIDTH="28" HPOS="957" VPOS="2046" ID="st15-844"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="991" VPOS="2046" ID="st15-845"/><SP/><String HEIGHT="19" CONTENT="EEA" WIDTH="28" HPOS="1023" VPOS="2046" ID="st15-846"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1051" VPOS="2046" ID="st15-847"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl15-89" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="14" WIDTH="32" HPOS="810" VPOS="2254" ID="st15-848"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="16" ID="p840455" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840455" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840455" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl16-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st16-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st16-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st16-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st16-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st16-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st16-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st16-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st16-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st16-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st16-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st16-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st16-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st16-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st16-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st16-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st16-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st16-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st16-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st16-18"/></TextLine><TextLine HPOS="196" VPOS="307" ID="tl16-1" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="structures" WIDTH="104" HPOS="196" VPOS="307" ID="st16-19"/><SP/><String HEIGHT="24" CONTENT="would" WIDTH="66" HPOS="310" VPOS="307" ID="st16-20"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="386" VPOS="307" ID="st16-21"/><SP/><String HEIGHT="24" CONTENT="used" WIDTH="50" HPOS="422" VPOS="307" ID="st16-22"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="481" VPOS="307" ID="st16-23"/><SP/><String HEIGHT="24" CONTENT="effectively" WIDTH="106" HPOS="513" VPOS="307" ID="st16-24"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="629" VPOS="307" ID="st16-25"/><SP/><String HEIGHT="24" CONTENT="possible" WIDTH="85" HPOS="660" VPOS="307" ID="st16-26"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="754" VPOS="307" ID="st16-27"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl16-2" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ensure" WIDTH="71" HPOS="196" VPOS="343" ID="st16-28"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="272" VPOS="343" ID="st16-29"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="290" VPOS="343" ID="st16-30"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="335" VPOS="343" ID="st16-31"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="108" HPOS="371" VPOS="343" ID="st16-32"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="479" VPOS="343" ID="st16-33"/><SP/><String HEIGHT="24" CONTENT="comments" WIDTH="111" HPOS="496" VPOS="343" ID="st16-34"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="613" VPOS="343" ID="st16-35"/><SP/><String HEIGHT="24" CONTENT="perspectives" WIDTH="125" HPOS="659" VPOS="343" ID="st16-36"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="343" ID="st16-37"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl16-3" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="196" VPOS="379" ID="st16-38"/><SP/><String HEIGHT="24" CONTENT="model" WIDTH="67" HPOS="247" VPOS="379" ID="st16-39"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="325" VPOS="379" ID="st16-40"/><SP/><String HEIGHT="24" CONTENT="marked" WIDTH="81" HPOS="352" VPOS="379" ID="st16-41"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="444" VPOS="379" ID="st16-42"/><String HEIGHT="24" CONTENT="»" WIDTH="14" HPOS="480" VPOS="379" ID="st16-43"/><String HEIGHT="24" CONTENT="good" WIDTH="56" HPOS="494" VPOS="379" ID="st16-44"/><SP/><String HEIGHT="24" CONTENT="cooperation" WIDTH="129" HPOS="561" VPOS="379" ID="st16-45"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="94" HPOS="701" VPOS="379" ID="st16-46"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl16-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="196" VPOS="415" ID="st16-47"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="278" VPOS="415" ID="st16-48"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="329" VPOS="415" ID="st16-49"/><String HEIGHT="24" CONTENT="«" WIDTH="15" HPOS="470" VPOS="415" ID="st16-50"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="496" VPOS="415" ID="st16-51"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="547" VPOS="415" ID="st16-52"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="47" HPOS="571" VPOS="415" ID="st16-53"/><SP/><String HEIGHT="24" CONTENT="degree" WIDTH="73" HPOS="629" VPOS="415" ID="st16-54"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="713" VPOS="415" ID="st16-55"/><SP/><String HEIGHT="24" CONTENT="trust" WIDTH="49" HPOS="746" VPOS="415" ID="st16-56"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl16-5" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="between" WIDTH="94" HPOS="196" VPOS="451" ID="st16-57"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="301" VPOS="451" ID="st16-58"/><String HEIGHT="24" CONTENT="(" WIDTH="8" HPOS="429" VPOS="451" ID="st16-59"/><String HEIGHT="24" CONTENT="IF" WIDTH="16" HPOS="437" VPOS="451" ID="st16-60"/><SP/><String HEIGHT="24" CONTENT="Union" WIDTH="64" HPOS="464" VPOS="451" ID="st16-61"/><SP/><String HEIGHT="24" CONTENT="Team" WIDTH="56" HPOS="539" VPOS="451" ID="st16-62"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="606" VPOS="451" ID="st16-63"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="638" VPOS="451" ID="st16-64"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="654" VPOS="451" ID="st16-65"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="662" VPOS="451" ID="st16-66"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="50" HPOS="681" VPOS="451" ID="st16-67"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="731" VPOS="451" ID="st16-68"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="755" VPOS="451" ID="st16-69"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl16-6" WIDTH="249" HEIGHT="23"><String HEIGHT="23" CONTENT="Blanchard" WIDTH="105" HPOS="196" VPOS="488" ID="st16-70"/><SP/><String HEIGHT="23" CONTENT="et" WIDTH="21" HPOS="308" VPOS="488" ID="st16-71"/><SP/><String HEIGHT="23" CONTENT="al" WIDTH="16" HPOS="336" VPOS="488" ID="st16-72"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="352" VPOS="488" ID="st16-73"/><String HEIGHT="23" CONTENT="," WIDTH="8" HPOS="360" VPOS="488" ID="st16-74"/><SP/><String HEIGHT="23" CONTENT="2013" WIDTH="46" HPOS="375" VPOS="488" ID="st16-75"/><String HEIGHT="23" CONTENT=")" WIDTH="12" HPOS="421" VPOS="488" ID="st16-76"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="433" VPOS="488" ID="st16-77"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl16-7" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="196" VPOS="560" ID="st16-78"/><SP/><String HEIGHT="24" CONTENT="Nordic" WIDTH="69" HPOS="241" VPOS="560" ID="st16-79"/><SP/><String HEIGHT="24" CONTENT="Financial" WIDTH="92" HPOS="316" VPOS="560" ID="st16-80"/><SP/><String HEIGHT="24" CONTENT="Unions" WIDTH="74" HPOS="414" VPOS="560" ID="st16-81"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="494" VPOS="560" ID="st16-82"/><SP/><String HEIGHT="24" CONTENT="highly" WIDTH="64" HPOS="533" VPOS="560" ID="st16-83"/><SP/><String HEIGHT="24" CONTENT="organized" WIDTH="100" HPOS="603" VPOS="560" ID="st16-84"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="703" VPOS="560" ID="st16-85"/><SP/><String HEIGHT="24" CONTENT="Unions" WIDTH="74" HPOS="721" VPOS="560" ID="st16-86"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl16-8" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="train" WIDTH="49" HPOS="196" VPOS="596" ID="st16-87"/><SP/><String HEIGHT="24" CONTENT="EWC" WIDTH="52" HPOS="251" VPOS="596" ID="st16-88"/><SP/><String HEIGHT="24" CONTENT="representatives" WIDTH="159" HPOS="309" VPOS="596" ID="st16-89"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="474" VPOS="596" ID="st16-90"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="502" VPOS="596" ID="st16-91"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="90" HPOS="589" VPOS="596" ID="st16-92"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="685" VPOS="596" ID="st16-93"/><SP/><String HEIGHT="24" CONTENT="useful" WIDTH="64" HPOS="731" VPOS="596" ID="st16-94"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl16-9" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="meetings" WIDTH="98" HPOS="196" VPOS="632" ID="st16-95"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="300" VPOS="632" ID="st16-96"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="353" VPOS="632" ID="st16-97"/><SP/><String HEIGHT="24" CONTENT="employer" WIDTH="93" HPOS="394" VPOS="632" ID="st16-98"/><String HEIGHT="24" CONTENT=":" WIDTH="12" HPOS="487" VPOS="632" ID="st16-99"/><SP/><String HEIGHT="24" CONTENT="simply" WIDTH="66" HPOS="506" VPOS="632" ID="st16-100"/><SP/><String HEIGHT="24" CONTENT="put" WIDTH="32" HPOS="578" VPOS="632" ID="st16-101"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="610" VPOS="632" ID="st16-102"/><String HEIGHT="24" CONTENT="»" WIDTH="12" HPOS="628" VPOS="632" ID="st16-103"/><String HEIGHT="24" CONTENT="the" WIDTH="36" HPOS="640" VPOS="632" ID="st16-104"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="113" HPOS="682" VPOS="632" ID="st16-105"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl16-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="often" WIDTH="57" HPOS="196" VPOS="668" ID="st16-106"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="258" VPOS="668" ID="st16-107"/><SP/><String HEIGHT="24" CONTENT="hands" WIDTH="62" HPOS="313" VPOS="668" ID="st16-108"/><String HEIGHT="24" CONTENT="-" WIDTH="13" HPOS="375" VPOS="668" ID="st16-109"/><String HEIGHT="24" CONTENT="on" WIDTH="25" HPOS="388" VPOS="668" ID="st16-110"/><SP/><String HEIGHT="24" CONTENT="problems" WIDTH="98" HPOS="418" VPOS="668" ID="st16-111"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="521" VPOS="668" ID="st16-112"/><SP/><String HEIGHT="24" CONTENT="challenges" WIDTH="111" HPOS="566" VPOS="668" ID="st16-113"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="682" VPOS="668" ID="st16-114"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="707" VPOS="668" ID="st16-115"/><SP/><String HEIGHT="24" CONTENT="daily" WIDTH="49" HPOS="746" VPOS="668" ID="st16-116"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl16-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="work" WIDTH="55" HPOS="196" VPOS="704" ID="st16-117"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="259" VPOS="704" ID="st16-118"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="288" VPOS="704" ID="st16-119"/><SP/><String HEIGHT="24" CONTENT="company" WIDTH="89" HPOS="331" VPOS="704" ID="st16-120"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="420" VPOS="704" ID="st16-121"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="442" VPOS="704" ID="st16-122"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="492" VPOS="704" ID="st16-123"/><SP/><String HEIGHT="24" CONTENT="employer" WIDTH="99" HPOS="535" VPOS="704" ID="st16-124"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="643" VPOS="704" ID="st16-125"/><SP/><String HEIGHT="24" CONTENT="gain" WIDTH="46" HPOS="689" VPOS="704" ID="st16-126"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="744" VPOS="704" ID="st16-127"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl16-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="this" WIDTH="38" HPOS="196" VPOS="740" ID="st16-128"/><SP/><String HEIGHT="24" CONTENT="information" WIDTH="125" HPOS="241" VPOS="740" ID="st16-129"/><SP/><String HEIGHT="24" CONTENT="when" WIDTH="60" HPOS="373" VPOS="740" ID="st16-130"/><SP/><String HEIGHT="24" CONTENT="planning" WIDTH="93" HPOS="440" VPOS="740" ID="st16-131"/><SP/><String HEIGHT="24" CONTENT="changes" WIDTH="84" HPOS="540" VPOS="740" ID="st16-132"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="624" VPOS="740" ID="st16-133"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="636" VPOS="740" ID="st16-134"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="38" HPOS="656" VPOS="740" ID="st16-135"/><SP/><String HEIGHT="24" CONTENT="NFU" WIDTH="44" HPOS="702" VPOS="740" ID="st16-136"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="753" VPOS="740" ID="st16-137"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl16-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="196" VPOS="776" ID="st16-138"/><SP/><String HEIGHT="24" CONTENT="established" WIDTH="119" HPOS="242" VPOS="776" ID="st16-139"/><SP/><String HEIGHT="24" CONTENT="team" WIDTH="54" HPOS="371" VPOS="776" ID="st16-140"/><SP/><String HEIGHT="24" CONTENT="structures" WIDTH="103" HPOS="435" VPOS="776" ID="st16-141"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="548" VPOS="776" ID="st16-142"/><SP/><String HEIGHT="24" CONTENT="handle" WIDTH="72" HPOS="581" VPOS="776" ID="st16-143"/><SP/><String HEIGHT="24" CONTENT="communica" WIDTH="119" HPOS="663" VPOS="776" ID="st16-144" SUBS_TYPE="HypPart1" SUBS_CONTENT="communications"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="776" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl16-14" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="tions" WIDTH="52" HPOS="196" VPOS="813" ID="st16-145" SUBS_TYPE="HypPart2" SUBS_CONTENT="communications"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="256" VPOS="813" ID="st16-146"/><SP/><String HEIGHT="23" CONTENT="national" WIDTH="86" HPOS="311" VPOS="813" ID="st16-147"/><SP/><String HEIGHT="23" CONTENT="member" WIDTH="89" HPOS="405" VPOS="813" ID="st16-148"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="66" HPOS="502" VPOS="813" ID="st16-149"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="568" VPOS="813" ID="st16-150"/><SP/><String HEIGHT="23" CONTENT="who" WIDTH="48" HPOS="587" VPOS="813" ID="st16-151"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="642" VPOS="813" ID="st16-152"/><SP/><String HEIGHT="23" CONTENT="turn" WIDTH="45" HPOS="670" VPOS="813" ID="st16-153"/><SP/><String HEIGHT="23" CONTENT="handle" WIDTH="72" HPOS="723" VPOS="813" ID="st16-154"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl16-15" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="communication" WIDTH="166" HPOS="196" VPOS="849" ID="st16-155"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="48" HPOS="370" VPOS="849" ID="st16-156"/><SP/><String HEIGHT="23" CONTENT="individual" WIDTH="101" HPOS="427" VPOS="849" ID="st16-157"/><SP/><String HEIGHT="23" CONTENT="members" WIDTH="91" HPOS="537" VPOS="849" ID="st16-158"/><String HEIGHT="23" CONTENT="." WIDTH="14" HPOS="628" VPOS="849" ID="st16-159"/><SP/><String HEIGHT="23" CONTENT="At" WIDTH="25" HPOS="651" VPOS="849" ID="st16-160"/><SP/><String HEIGHT="23" CONTENT="Nordea" WIDTH="72" HPOS="685" VPOS="849" ID="st16-161"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="757" VPOS="849" ID="st16-162"/><SP/><String HEIGHT="23" CONTENT="IF" WIDTH="17" HPOS="778" VPOS="849" ID="st16-163"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl16-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="885" ID="st16-164"/><SP/><String HEIGHT="24" CONTENT="Danske" WIDTH="78" HPOS="245" VPOS="885" ID="st16-165"/><SP/><String HEIGHT="24" CONTENT="Group" WIDTH="61" HPOS="332" VPOS="885" ID="st16-166"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="393" VPOS="885" ID="st16-167"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="415" VPOS="885" ID="st16-168"/><SP/><String HEIGHT="24" CONTENT="NFU" WIDTH="45" HPOS="458" VPOS="885" ID="st16-169"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="511" VPOS="885" ID="st16-170"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="591" VPOS="885" ID="st16-171"/><SP/><String HEIGHT="24" CONTENT="created" WIDTH="79" HPOS="649" VPOS="885" ID="st16-172"/><SP/><String HEIGHT="24" CONTENT="many" WIDTH="59" HPOS="736" VPOS="885" ID="st16-173"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl16-17" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="additional" WIDTH="106" HPOS="196" VPOS="921" ID="st16-174"/><SP/><String HEIGHT="24" CONTENT="structures" WIDTH="104" HPOS="310" VPOS="921" ID="st16-175"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="422" VPOS="921" ID="st16-176"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="449" VPOS="921" ID="st16-177"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="521" VPOS="921" ID="st16-178"/><SP/><String HEIGHT="24" CONTENT="meet" WIDTH="55" HPOS="641" VPOS="921" ID="st16-179"/><SP/><String HEIGHT="24" CONTENT="regularly" WIDTH="91" HPOS="704" VPOS="921" ID="st16-180"/></TextLine><TextLine HPOS="196" VPOS="957" ID="tl16-18" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="196" VPOS="957" ID="st16-181"/><SP/><String HEIGHT="24" CONTENT="HR" WIDTH="24" HPOS="259" VPOS="957" ID="st16-182"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="283" VPOS="957" ID="st16-183"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="143" HPOS="311" VPOS="957" ID="st16-184"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="468" VPOS="957" ID="st16-185"/><SP/><String HEIGHT="24" CONTENT="business" WIDTH="90" HPOS="502" VPOS="957" ID="st16-186"/><SP/><String HEIGHT="24" CONTENT="segments" WIDTH="96" HPOS="607" VPOS="957" ID="st16-187"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="703" VPOS="957" ID="st16-188"/><SP/><String HEIGHT="24" CONTENT="CEOs" WIDTH="51" HPOS="731" VPOS="957" ID="st16-189"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="782" VPOS="957" ID="st16-190"/></TextLine><TextLine HPOS="196" VPOS="993" ID="tl16-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="among" WIDTH="75" HPOS="196" VPOS="993" ID="st16-191"/><SP/><String HEIGHT="24" CONTENT="others" WIDTH="63" HPOS="282" VPOS="993" ID="st16-192"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="345" VPOS="993" ID="st16-193"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="366" VPOS="993" ID="st16-194"/><SP/><String HEIGHT="24" CONTENT="facilitate" WIDTH="91" HPOS="399" VPOS="993" ID="st16-195"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="500" VPOS="993" ID="st16-196"/><SP/><String HEIGHT="24" CONTENT="wellbeing" WIDTH="103" HPOS="546" VPOS="993" ID="st16-197"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="659" VPOS="993" ID="st16-198"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="692" VPOS="993" ID="st16-199"/><SP/><String HEIGHT="24" CONTENT="em" WIDTH="28" HPOS="753" VPOS="993" ID="st16-200" SUBS_TYPE="HypPart1" SUBS_CONTENT="employees"/><HYP CONTENT="-" WIDTH="14" HPOS="781" VPOS="993" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1029" ID="tl16-20" WIDTH="532" HEIGHT="24"><String HEIGHT="24" CONTENT="ployees" WIDTH="80" HPOS="196" VPOS="1029" ID="st16-201" SUBS_TYPE="HypPart2" SUBS_CONTENT="employees"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="282" VPOS="1029" ID="st16-202"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="330" VPOS="1029" ID="st16-203"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="40" HPOS="371" VPOS="1029" ID="st16-204"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="411" VPOS="1029" ID="st16-205"/><String HEIGHT="24" CONTENT="(" WIDTH="8" HPOS="428" VPOS="1029" ID="st16-206"/><String HEIGHT="24" CONTENT="IF" WIDTH="16" HPOS="436" VPOS="1029" ID="st16-207"/><SP/><String HEIGHT="24" CONTENT="Union" WIDTH="64" HPOS="459" VPOS="1029" ID="st16-208"/><SP/><String HEIGHT="24" CONTENT="Team" WIDTH="55" HPOS="530" VPOS="1029" ID="st16-209"/><SP/><String HEIGHT="24" CONTENT="et" WIDTH="21" HPOS="592" VPOS="1029" ID="st16-210"/><SP/><String HEIGHT="24" CONTENT="al" WIDTH="16" HPOS="620" VPOS="1029" ID="st16-211"/><String HEIGHT="24" CONTENT="." WIDTH="8" HPOS="636" VPOS="1029" ID="st16-212"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="644" VPOS="1029" ID="st16-213"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="46" HPOS="659" VPOS="1029" ID="st16-214"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="705" VPOS="1029" ID="st16-215"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="716" VPOS="1029" ID="st16-216"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl16-21" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Finally" WIDTH="61" HPOS="196" VPOS="1101" ID="st16-217"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="257" VPOS="1101" ID="st16-218"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="277" VPOS="1101" ID="st16-219"/><SP/><String HEIGHT="24" CONTENT="NFU" WIDTH="45" HPOS="323" VPOS="1101" ID="st16-220"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="379" VPOS="1101" ID="st16-221"/><SP/><String HEIGHT="24" CONTENT="one" WIDTH="40" HPOS="405" VPOS="1101" ID="st16-222"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="456" VPOS="1101" ID="st16-223"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="490" VPOS="1101" ID="st16-224"/><SP/><String HEIGHT="24" CONTENT="most" WIDTH="53" HPOS="535" VPOS="1101" ID="st16-225"/><SP/><String HEIGHT="24" CONTENT="active" WIDTH="61" HPOS="599" VPOS="1101" ID="st16-226"/><SP/><String HEIGHT="24" CONTENT="participants" WIDTH="124" HPOS="671" VPOS="1101" ID="st16-227"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl16-22" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="196" VPOS="1138" ID="st16-228"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="229" VPOS="1138" ID="st16-229"/><SP/><String HEIGHT="23" CONTENT="European" WIDTH="102" HPOS="276" VPOS="1138" ID="st16-230"/><SP/><String HEIGHT="23" CONTENT="Sectoral" WIDTH="86" HPOS="390" VPOS="1138" ID="st16-231"/><SP/><String HEIGHT="23" CONTENT="Social" WIDTH="62" HPOS="488" VPOS="1138" ID="st16-232"/><SP/><String HEIGHT="23" CONTENT="dialogues" WIDTH="102" HPOS="563" VPOS="1138" ID="st16-233"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="678" VPOS="1138" ID="st16-234"/><String HEIGHT="23" CONTENT="»" WIDTH="12" HPOS="718" VPOS="1138" ID="st16-235"/><String HEIGHT="23" CONTENT="Banks" WIDTH="65" HPOS="730" VPOS="1138" ID="st16-236"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl16-23" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1174" ID="st16-237"/><SP/><String HEIGHT="23" CONTENT="Insurance" WIDTH="103" HPOS="244" VPOS="1174" ID="st16-238"/><String HEIGHT="23" CONTENT="«" WIDTH="12" HPOS="347" VPOS="1174" ID="st16-239"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="366" VPOS="1174" ID="st16-240"/><String HEIGHT="23" CONTENT="A" WIDTH="10" HPOS="376" VPOS="1174" ID="st16-241"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="386" VPOS="1174" ID="st16-242"/><SP/><String HEIGHT="23" CONTENT="DiCristo" WIDTH="81" HPOS="404" VPOS="1174" ID="st16-243"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="485" VPOS="1174" ID="st16-244"/><SP/><String HEIGHT="23" CONTENT="personal" WIDTH="90" HPOS="503" VPOS="1174" ID="st16-245"/><SP/><String HEIGHT="23" CONTENT="communication" WIDTH="165" HPOS="600" VPOS="1174" ID="st16-246"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="773" VPOS="1174" ID="st16-247"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl16-24" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="author" WIDTH="65" HPOS="196" VPOS="1210" ID="st16-248"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="261" VPOS="1210" ID="st16-249"/><SP/><String HEIGHT="24" CONTENT="3" WIDTH="14" HPOS="277" VPOS="1210" ID="st16-250"/><SP/><String HEIGHT="24" CONTENT="May" WIDTH="46" HPOS="296" VPOS="1210" ID="st16-251"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="348" VPOS="1210" ID="st16-252"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="394" VPOS="1210" ID="st16-253"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="405" VPOS="1210" ID="st16-254"/><SP/><String HEIGHT="24" CONTENT="As" WIDTH="27" HPOS="422" VPOS="1210" ID="st16-255"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="454" VPOS="1210" ID="st16-256"/><SP/><String HEIGHT="24" CONTENT="active" WIDTH="61" HPOS="486" VPOS="1210" ID="st16-257"/><SP/><String HEIGHT="24" CONTENT="stakeholder" WIDTH="123" HPOS="552" VPOS="1210" ID="st16-258"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="681" VPOS="1210" ID="st16-259"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="62" HPOS="706" VPOS="1210" ID="st16-260"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="773" VPOS="1210" ID="st16-261"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl16-25" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1246" ID="st16-262"/><SP/><String HEIGHT="24" CONTENT="EU" WIDTH="29" HPOS="237" VPOS="1246" ID="st16-263"/><SP/><String HEIGHT="24" CONTENT="level" WIDTH="45" HPOS="273" VPOS="1246" ID="st16-264"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="318" VPOS="1246" ID="st16-265"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="333" VPOS="1246" ID="st16-266"/><SP/><String HEIGHT="24" CONTENT="NFU" WIDTH="44" HPOS="374" VPOS="1246" ID="st16-267"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="425" VPOS="1246" ID="st16-268"/><SP/><String HEIGHT="24" CONTENT="incorporated" WIDTH="136" HPOS="467" VPOS="1246" ID="st16-269"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="609" VPOS="1246" ID="st16-270"/><SP/><String HEIGHT="24" CONTENT="new" WIDTH="46" HPOS="628" VPOS="1246" ID="st16-271"/><SP/><String HEIGHT="24" CONTENT="diversity" WIDTH="86" HPOS="680" VPOS="1246" ID="st16-272"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1246" ID="st16-273"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl16-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="perspective" WIDTH="120" HPOS="196" VPOS="1282" ID="st16-274"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="324" VPOS="1282" ID="st16-275"/><SP/><String HEIGHT="24" CONTENT="several" WIDTH="73" HPOS="352" VPOS="1282" ID="st16-276"/><SP/><String HEIGHT="24" CONTENT="EU" WIDTH="29" HPOS="433" VPOS="1282" ID="st16-277"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="471" VPOS="1282" ID="st16-278"/><SP/><String HEIGHT="24" CONTENT="regulations" WIDTH="114" HPOS="568" VPOS="1282" ID="st16-279"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="682" VPOS="1282" ID="st16-280"/><SP/><String HEIGHT="24" CONTENT="Thus" WIDTH="51" HPOS="701" VPOS="1282" ID="st16-281"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1282" ID="st16-282"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl16-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="NFU" WIDTH="45" HPOS="196" VPOS="1318" ID="st16-283"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="247" VPOS="1318" ID="st16-284"/><SP/><String HEIGHT="24" CONTENT="successfully" WIDTH="123" HPOS="289" VPOS="1318" ID="st16-285"/><SP/><String HEIGHT="24" CONTENT="enabled" WIDTH="85" HPOS="418" VPOS="1318" ID="st16-286"/><SP/><String HEIGHT="24" CONTENT="communication" WIDTH="165" HPOS="509" VPOS="1318" ID="st16-287"/><SP/><String HEIGHT="24" CONTENT="within" WIDTH="63" HPOS="680" VPOS="1318" ID="st16-288"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="743" VPOS="1318" ID="st16-289"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="24" HPOS="760" VPOS="1318" ID="st16-290" SUBS_TYPE="HypPart1" SUBS_CONTENT="between"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1318" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl16-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tween" WIDTH="61" HPOS="196" VPOS="1354" ID="st16-291" SUBS_TYPE="HypPart2" SUBS_CONTENT="between"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="257" VPOS="1354" ID="st16-292"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="276" VPOS="1354" ID="st16-293"/><SP/><String HEIGHT="24" CONTENT="beyond" WIDTH="80" HPOS="321" VPOS="1354" ID="st16-294"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="406" VPOS="1354" ID="st16-295"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="64" HPOS="501" VPOS="1354" ID="st16-296"/><String HEIGHT="24" CONTENT="—" WIDTH="12" HPOS="565" VPOS="1354" ID="st16-297"/><String HEIGHT="24" CONTENT="from" WIDTH="52" HPOS="577" VPOS="1354" ID="st16-298"/><SP/><String HEIGHT="24" CONTENT="nonsupervisory" WIDTH="160" HPOS="635" VPOS="1354" ID="st16-299"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl16-29" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="196" VPOS="1390" ID="st16-300"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="288" VPOS="1390" ID="st16-301"/><SP/><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="318" VPOS="1390" ID="st16-302"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="389" VPOS="1390" ID="st16-303"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="538" VPOS="1390" ID="st16-304"/><SP/><String HEIGHT="24" CONTENT="national" WIDTH="86" HPOS="568" VPOS="1390" ID="st16-305"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="661" VPOS="1390" ID="st16-306"/><SP/><String HEIGHT="24" CONTENT="regional" WIDTH="86" HPOS="709" VPOS="1390" ID="st16-307"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl16-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="regulators" WIDTH="116" HPOS="196" VPOS="1426" ID="st16-308"/><String HEIGHT="24" CONTENT="—" WIDTH="11" HPOS="312" VPOS="1426" ID="st16-309"/><String HEIGHT="24" CONTENT="in" WIDTH="24" HPOS="323" VPOS="1426" ID="st16-310"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="355" VPOS="1426" ID="st16-311"/><SP/><String HEIGHT="24" CONTENT="way" WIDTH="43" HPOS="374" VPOS="1426" ID="st16-312"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="425" VPOS="1426" ID="st16-313"/><SP/><String HEIGHT="24" CONTENT="would" WIDTH="67" HPOS="475" VPOS="1426" ID="st16-314"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="36" HPOS="549" VPOS="1426" ID="st16-315"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="593" VPOS="1426" ID="st16-316"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="650" VPOS="1426" ID="st16-317"/><SP/><String HEIGHT="24" CONTENT="possible" WIDTH="85" HPOS="710" VPOS="1426" ID="st16-318"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl16-31" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="without" WIDTH="84" HPOS="196" VPOS="1463" ID="st16-319"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="291" VPOS="1463" ID="st16-320"/><SP/><String HEIGHT="23" CONTENT="structure" WIDTH="94" HPOS="336" VPOS="1463" ID="st16-321"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="441" VPOS="1463" ID="st16-322"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="474" VPOS="1463" ID="st16-323"/><SP/><String HEIGHT="23" CONTENT="participating" WIDTH="133" HPOS="520" VPOS="1463" ID="st16-324"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="66" HPOS="664" VPOS="1463" ID="st16-325"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="730" VPOS="1463" ID="st16-326"/><SP/><String HEIGHT="23" CONTENT="This" WIDTH="42" HPOS="753" VPOS="1463" ID="st16-327"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl16-32" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="kind" WIDTH="46" HPOS="196" VPOS="1499" ID="st16-328"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="248" VPOS="1499" ID="st16-329"/><SP/><String HEIGHT="23" CONTENT="communication" WIDTH="166" HPOS="275" VPOS="1499" ID="st16-330"/><SP/><String HEIGHT="23" CONTENT="invites" WIDTH="67" HPOS="446" VPOS="1499" ID="st16-331"/><SP/><String HEIGHT="23" CONTENT="innovative" WIDTH="109" HPOS="518" VPOS="1499" ID="st16-332"/><SP/><String HEIGHT="23" CONTENT="solutions" WIDTH="95" HPOS="632" VPOS="1499" ID="st16-333"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="23" HPOS="732" VPOS="1499" ID="st16-334"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1499" ID="st16-335"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl16-33" WIDTH="572" HEIGHT="24"><String HEIGHT="24" CONTENT="challenges" WIDTH="111" HPOS="196" VPOS="1535" ID="st16-336"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="314" VPOS="1535" ID="st16-337"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="344" VPOS="1535" ID="st16-338"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="387" VPOS="1535" ID="st16-339"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="535" VPOS="1535" ID="st16-340"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="562" VPOS="1535" ID="st16-341"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="603" VPOS="1535" ID="st16-342"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="59" HPOS="699" VPOS="1535" ID="st16-343"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="758" VPOS="1535" ID="st16-344"/></TextLine><TextLine HPOS="375" VPOS="1639" ID="tl16-34" WIDTH="420" HEIGHT="29"><String HEIGHT="29" CONTENT="Germany" WIDTH="119" HPOS="375" VPOS="1639" ID="st16-345"/><SP/><String HEIGHT="29" CONTENT="and" WIDTH="49" HPOS="503" VPOS="1639" ID="st16-346"/><SP/><String HEIGHT="29" CONTENT="Co" WIDTH="29" HPOS="561" VPOS="1639" ID="st16-347"/><String HEIGHT="29" CONTENT="-" WIDTH="14" HPOS="590" VPOS="1639" ID="st16-348"/><String HEIGHT="29" CONTENT="Determination" WIDTH="191" HPOS="604" VPOS="1639" ID="st16-349"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl16-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Germany" WIDTH="98" HPOS="196" VPOS="1715" ID="st16-350"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="303" VPOS="1715" ID="st16-351"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="327" VPOS="1715" ID="st16-352"/><SP/><String HEIGHT="24" CONTENT="known" WIDTH="74" HPOS="379" VPOS="1715" ID="st16-353"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="462" VPOS="1715" ID="st16-354"/><SP/><String HEIGHT="24" CONTENT="co" WIDTH="22" HPOS="501" VPOS="1715" ID="st16-355"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="523" VPOS="1715" ID="st16-356"/><String HEIGHT="24" CONTENT="determination" WIDTH="149" HPOS="535" VPOS="1715" ID="st16-357"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="693" VPOS="1715" ID="st16-358"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="722" VPOS="1715" ID="st16-359"/><SP/><String HEIGHT="24" CONTENT="cor" WIDTH="31" HPOS="754" VPOS="1715" ID="st16-360" SUBS_TYPE="HypPart1" SUBS_CONTENT="corporate"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1715" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl16-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="porate" WIDTH="70" HPOS="196" VPOS="1751" ID="st16-361" SUBS_TYPE="HypPart2" SUBS_CONTENT="corporate"/><SP/><String HEIGHT="24" CONTENT="structure" WIDTH="90" HPOS="276" VPOS="1751" ID="st16-362"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="366" VPOS="1751" ID="st16-363"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="63" HPOS="387" VPOS="1751" ID="st16-364"/><SP/><String HEIGHT="24" CONTENT="allows" WIDTH="67" HPOS="460" VPOS="1751" ID="st16-365"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="113" HPOS="537" VPOS="1751" ID="st16-366"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="659" VPOS="1751" ID="st16-367"/><SP/><String HEIGHT="24" CONTENT="sit" WIDTH="23" HPOS="692" VPOS="1751" ID="st16-368"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="725" VPOS="1751" ID="st16-369"/><SP/><String HEIGHT="24" CONTENT="su" WIDTH="22" HPOS="763" VPOS="1751" ID="st16-370" SUBS_TYPE="HypPart1" SUBS_CONTENT="supervisory"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1751" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl16-37" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="pervisory" WIDTH="95" HPOS="196" VPOS="1788" ID="st16-371" SUBS_TYPE="HypPart2" SUBS_CONTENT="supervisory"/><SP/><String HEIGHT="23" CONTENT="boards" WIDTH="72" HPOS="298" VPOS="1788" ID="st16-372"/><SP/><String HEIGHT="23" CONTENT="at" WIDTH="21" HPOS="377" VPOS="1788" ID="st16-373"/><SP/><String HEIGHT="23" CONTENT="major" WIDTH="61" HPOS="406" VPOS="1788" ID="st16-374"/><SP/><String HEIGHT="23" CONTENT="companies" WIDTH="108" HPOS="474" VPOS="1788" ID="st16-375"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="582" VPOS="1788" ID="st16-376"/><SP/><String HEIGHT="23" CONTENT="Evidence" WIDTH="93" HPOS="603" VPOS="1788" ID="st16-377"/><SP/><String HEIGHT="23" CONTENT="suggests" WIDTH="92" HPOS="703" VPOS="1788" ID="st16-378"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl16-38" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="that" WIDTH="44" HPOS="196" VPOS="1824" ID="st16-379"/><SP/><String HEIGHT="23" CONTENT="introducing" WIDTH="123" HPOS="253" VPOS="1824" ID="st16-380"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="389" VPOS="1824" ID="st16-381"/><SP/><String HEIGHT="23" CONTENT="worker" WIDTH="76" HPOS="414" VPOS="1824" ID="st16-382"/><SP/><String HEIGHT="23" CONTENT="perspective" WIDTH="120" HPOS="503" VPOS="1824" ID="st16-383"/><SP/><String HEIGHT="23" CONTENT="into" WIDTH="42" HPOS="636" VPOS="1824" ID="st16-384"/><SP/><String HEIGHT="23" CONTENT="corporate" WIDTH="104" HPOS="691" VPOS="1824" ID="st16-385"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl16-39" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="governance" WIDTH="124" HPOS="196" VPOS="1860" ID="st16-386"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="331" VPOS="1860" ID="st16-387"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="361" VPOS="1860" ID="st16-388"/><SP/><String HEIGHT="24" CONTENT="way" WIDTH="43" HPOS="409" VPOS="1860" ID="st16-389"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="462" VPOS="1860" ID="st16-390"/><SP/><String HEIGHT="24" CONTENT="driven" WIDTH="66" HPOS="508" VPOS="1860" ID="st16-391"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="584" VPOS="1860" ID="st16-392"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="662" VPOS="1860" ID="st16-393"/><SP/><String HEIGHT="24" CONTENT="sustain" WIDTH="72" HPOS="713" VPOS="1860" ID="st16-394" SUBS_TYPE="HypPart1" SUBS_CONTENT="sustainable"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1860" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl16-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="able" WIDTH="45" HPOS="196" VPOS="1896" ID="st16-395" SUBS_TYPE="HypPart2" SUBS_CONTENT="sustainable"/><SP/><String HEIGHT="24" CONTENT="business" WIDTH="89" HPOS="253" VPOS="1896" ID="st16-396"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="137" HPOS="354" VPOS="1896" ID="st16-397"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="23" HPOS="502" VPOS="1896" ID="st16-398"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="536" VPOS="1896" ID="st16-399"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="591" VPOS="1896" ID="st16-400"/><SP/><String HEIGHT="24" CONTENT="macroeconomic" WIDTH="170" HPOS="625" VPOS="1896" ID="st16-401"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl16-41" WIDTH="92" HEIGHT="24"><String HEIGHT="24" CONTENT="benefits" WIDTH="81" HPOS="196" VPOS="1932" ID="st16-402"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="277" VPOS="1932" ID="st16-403"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl16-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="40" HPOS="196" VPOS="2004" ID="st16-404"/><SP/><String HEIGHT="24" CONTENT="Mitbestimmungsindex" WIDTH="240" HPOS="254" VPOS="2004" ID="st16-405"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="513" VPOS="2004" ID="st16-406"/><String HEIGHT="24" CONTENT="Co" WIDTH="23" HPOS="524" VPOS="2004" ID="st16-407"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="547" VPOS="2004" ID="st16-408"/><String HEIGHT="24" CONTENT="determination" WIDTH="152" HPOS="559" VPOS="2004" ID="st16-409"/><SP/><String HEIGHT="24" CONTENT="Index" WIDTH="54" HPOS="730" VPOS="2004" ID="st16-410"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="784" VPOS="2004" ID="st16-411"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl16-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="shows" WIDTH="67" HPOS="196" VPOS="2040" ID="st16-412"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="269" VPOS="2040" ID="st16-413"/><SP/><String HEIGHT="24" CONTENT="companies" WIDTH="114" HPOS="318" VPOS="2040" ID="st16-414"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="437" VPOS="2040" ID="st16-415"/><SP/><String HEIGHT="24" CONTENT="board" WIDTH="62" HPOS="491" VPOS="2040" ID="st16-416"/><SP/><String HEIGHT="24" CONTENT="level" WIDTH="48" HPOS="558" VPOS="2040" ID="st16-417"/><SP/><String HEIGHT="24" CONTENT="co" WIDTH="23" HPOS="611" VPOS="2040" ID="st16-418"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="634" VPOS="2040" ID="st16-419"/><String HEIGHT="24" CONTENT="determination" WIDTH="150" HPOS="645" VPOS="2040" ID="st16-420"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl16-44" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="858" VPOS="307" ID="st16-421"/><SP/><String HEIGHT="24" CONTENT="higher" WIDTH="68" HPOS="918" VPOS="307" ID="st16-422"/><SP/><String HEIGHT="24" CONTENT="rates" WIDTH="52" HPOS="996" VPOS="307" ID="st16-423"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1058" VPOS="307" ID="st16-424"/><SP/><String HEIGHT="24" CONTENT="reinvestment" WIDTH="132" HPOS="1090" VPOS="307" ID="st16-425"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1222" VPOS="307" ID="st16-426"/><SP/><String HEIGHT="24" CONTENT="including" WIDTH="97" HPOS="1244" VPOS="307" ID="st16-427"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1352" VPOS="307" ID="st16-428"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="1381" VPOS="307" ID="st16-429"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl16-45" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="training" WIDTH="79" HPOS="858" VPOS="343" ID="st16-430"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="937" VPOS="343" ID="st16-431"/><SP/><String HEIGHT="24" CONTENT="It" WIDTH="14" HPOS="956" VPOS="343" ID="st16-432"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="41" HPOS="980" VPOS="343" ID="st16-433"/><SP/><String HEIGHT="24" CONTENT="shows" WIDTH="66" HPOS="1031" VPOS="343" ID="st16-434"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1107" VPOS="343" ID="st16-435"/><SP/><String HEIGHT="24" CONTENT="those" WIDTH="59" HPOS="1159" VPOS="343" ID="st16-436"/><SP/><String HEIGHT="24" CONTENT="companies" WIDTH="108" HPOS="1227" VPOS="343" ID="st16-437"/><String HEIGHT="24" CONTENT="’" WIDTH="13" HPOS="1335" VPOS="343" ID="st16-438"/><SP/><String HEIGHT="24" CONTENT="executive" WIDTH="98" HPOS="1358" VPOS="343" ID="st16-439"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl16-46" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="compensation" WIDTH="150" HPOS="858" VPOS="379" ID="st16-440"/><SP/><String HEIGHT="24" CONTENT="practices" WIDTH="93" HPOS="1014" VPOS="379" ID="st16-441"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="1113" VPOS="379" ID="st16-442"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1152" VPOS="379" ID="st16-443"/><SP/><String HEIGHT="24" CONTENT="oriented" WIDTH="88" HPOS="1214" VPOS="379" ID="st16-444"/><SP/><String HEIGHT="24" CONTENT="towards" WIDTH="85" HPOS="1309" VPOS="379" ID="st16-445"/><SP/><String HEIGHT="24" CONTENT="long" WIDTH="44" HPOS="1401" VPOS="379" ID="st16-446" SUBS_TYPE="HypPart1" SUBS_CONTENT="longterm"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="379" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl16-47" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="term" WIDTH="50" HPOS="858" VPOS="415" ID="st16-447" SUBS_TYPE="HypPart2" SUBS_CONTENT="longterm"/><SP/><String HEIGHT="24" CONTENT="objectives" WIDTH="104" HPOS="917" VPOS="415" ID="st16-448"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1030" VPOS="415" ID="st16-449"/><String HEIGHT="24" CONTENT="Hans" WIDTH="43" HPOS="1040" VPOS="415" ID="st16-450"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="1083" VPOS="415" ID="st16-451"/><String HEIGHT="24" CONTENT="Böckler" WIDTH="86" HPOS="1094" VPOS="415" ID="st16-452"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="1180" VPOS="415" ID="st16-453"/><String HEIGHT="24" CONTENT="Foundation" WIDTH="108" HPOS="1191" VPOS="415" ID="st16-454"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1299" VPOS="415" ID="st16-455"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="1319" VPOS="415" ID="st16-456"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1365" VPOS="415" ID="st16-457"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1377" VPOS="415" ID="st16-458"/><SP/><String HEIGHT="24" CONTENT="Addi" WIDTH="47" HPOS="1398" VPOS="415" ID="st16-459" SUBS_TYPE="HypPart1" SUBS_CONTENT="Additional"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="415" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="451" ID="tl16-48" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tional" WIDTH="59" HPOS="858" VPOS="451" ID="st16-460" SUBS_TYPE="HypPart2" SUBS_CONTENT="Additional"/><SP/><String HEIGHT="24" CONTENT="research" WIDTH="88" HPOS="926" VPOS="451" ID="st16-461"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1022" VPOS="451" ID="st16-462"/><SP/><String HEIGHT="24" CONTENT="found" WIDTH="64" HPOS="1066" VPOS="451" ID="st16-463"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1139" VPOS="451" ID="st16-464"/><SP/><String HEIGHT="24" CONTENT="companies" WIDTH="114" HPOS="1190" VPOS="451" ID="st16-465"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1312" VPOS="451" ID="st16-466"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1368" VPOS="451" ID="st16-467"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="67" HPOS="1389" VPOS="451" ID="st16-468"/></TextLine><TextLine HPOS="858" VPOS="488" ID="tl16-49" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="worker" WIDTH="75" HPOS="858" VPOS="488" ID="st16-469"/><SP/><String HEIGHT="23" CONTENT="voice" WIDTH="54" HPOS="943" VPOS="488" ID="st16-470"/><String HEIGHT="23" CONTENT="(" WIDTH="7" HPOS="1007" VPOS="488" ID="st16-471"/><String HEIGHT="23" CONTENT="i" WIDTH="8" HPOS="1014" VPOS="488" ID="st16-472"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1022" VPOS="488" ID="st16-473"/><String HEIGHT="23" CONTENT="e" WIDTH="7" HPOS="1030" VPOS="488" ID="st16-474"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="1037" VPOS="488" ID="st16-475"/><String HEIGHT="23" CONTENT="," WIDTH="8" HPOS="1045" VPOS="488" ID="st16-476"/><SP/><String HEIGHT="23" CONTENT="board" WIDTH="53" HPOS="1063" VPOS="488" ID="st16-477"/><String HEIGHT="23" CONTENT="-" WIDTH="10" HPOS="1116" VPOS="488" ID="st16-478"/><String HEIGHT="23" CONTENT="level" WIDTH="54" HPOS="1126" VPOS="488" ID="st16-479"/><SP/><String HEIGHT="23" CONTENT="employee" WIDTH="103" HPOS="1190" VPOS="488" ID="st16-480"/><SP/><String HEIGHT="23" CONTENT="representation" WIDTH="153" HPOS="1303" VPOS="488" ID="st16-481"/></TextLine><TextLine HPOS="858" VPOS="524" ID="tl16-50" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="858" VPOS="524" ID="st16-482"/><SP/><String HEIGHT="23" CONTENT="coverage" WIDTH="96" HPOS="912" VPOS="524" ID="st16-483"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="48" HPOS="1022" VPOS="524" ID="st16-484"/><SP/><String HEIGHT="23" CONTENT="collective" WIDTH="98" HPOS="1083" VPOS="524" ID="st16-485"/><SP/><String HEIGHT="23" CONTENT="bargaining" WIDTH="115" HPOS="1195" VPOS="524" ID="st16-486"/><SP/><String HEIGHT="23" CONTENT="agreements" WIDTH="120" HPOS="1323" VPOS="524" ID="st16-487"/><String HEIGHT="23" CONTENT=")" WIDTH="13" HPOS="1443" VPOS="524" ID="st16-488"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl16-51" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="show" WIDTH="57" HPOS="858" VPOS="560" ID="st16-489"/><SP/><String HEIGHT="24" CONTENT="better" WIDTH="64" HPOS="921" VPOS="560" ID="st16-490"/><SP/><String HEIGHT="24" CONTENT="performance" WIDTH="136" HPOS="992" VPOS="560" ID="st16-491"/><SP/><String HEIGHT="24" CONTENT="compared" WIDTH="107" HPOS="1134" VPOS="560" ID="st16-492"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="1247" VPOS="560" ID="st16-493"/><SP/><String HEIGHT="24" CONTENT="those" WIDTH="58" HPOS="1301" VPOS="560" ID="st16-494"/><SP/><String HEIGHT="24" CONTENT="without" WIDTH="78" HPOS="1366" VPOS="560" ID="st16-495"/><String HEIGHT="24" CONTENT=":" WIDTH="12" HPOS="1444" VPOS="560" ID="st16-496"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl16-52" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="858" VPOS="596" ID="st16-497"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="913" VPOS="596" ID="st16-498"/><SP/><String HEIGHT="24" CONTENT="higher" WIDTH="68" HPOS="972" VPOS="596" ID="st16-499"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="1049" VPOS="596" ID="st16-500"/><SP/><String HEIGHT="24" CONTENT="value" WIDTH="55" HPOS="1133" VPOS="596" ID="st16-501"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1198" VPOS="596" ID="st16-502"/><SP/><String HEIGHT="24" CONTENT="higher" WIDTH="68" HPOS="1247" VPOS="596" ID="st16-503"/><SP/><String HEIGHT="24" CONTENT="net" WIDTH="35" HPOS="1324" VPOS="596" ID="st16-504"/><SP/><String HEIGHT="24" CONTENT="sales" WIDTH="47" HPOS="1368" VPOS="596" ID="st16-505"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1415" VPOS="596" ID="st16-506"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1434" VPOS="596" ID="st16-507"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl16-53" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="858" VPOS="632" ID="st16-508"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="908" VPOS="632" ID="st16-509"/><SP/><String HEIGHT="24" CONTENT="higher" WIDTH="68" HPOS="937" VPOS="632" ID="st16-510"/><SP/><String HEIGHT="24" CONTENT="productivity" WIDTH="124" HPOS="1013" VPOS="632" ID="st16-511"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1144" VPOS="632" ID="st16-512"/><String HEIGHT="24" CONTENT="Hassel" WIDTH="64" HPOS="1154" VPOS="632" ID="st16-513"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1225" VPOS="632" ID="st16-514"/><SP/><String HEIGHT="24" CONTENT="Helmerich" WIDTH="101" HPOS="1273" VPOS="632" ID="st16-515"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1374" VPOS="632" ID="st16-516"/><SP/><String HEIGHT="24" CONTENT="2017" WIDTH="49" HPOS="1394" VPOS="632" ID="st16-517"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1443" VPOS="632" ID="st16-518"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl16-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="668" ID="st16-519"/><SP/><String HEIGHT="24" CONTENT="Hans" WIDTH="43" HPOS="906" VPOS="668" ID="st16-520"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="949" VPOS="668" ID="st16-521"/><String HEIGHT="24" CONTENT="Böckler" WIDTH="88" HPOS="960" VPOS="668" ID="st16-522"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="1048" VPOS="668" ID="st16-523"/><String HEIGHT="24" CONTENT="Foundation" WIDTH="110" HPOS="1059" VPOS="668" ID="st16-524"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1169" VPOS="668" ID="st16-525"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="1187" VPOS="668" ID="st16-526"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1233" VPOS="668" ID="st16-527"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1245" VPOS="668" ID="st16-528"/><SP/><String HEIGHT="24" CONTENT="Finally" WIDTH="61" HPOS="1265" VPOS="668" ID="st16-529"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1326" VPOS="668" ID="st16-530"/><SP/><String HEIGHT="24" CONTENT="companies" WIDTH="114" HPOS="1342" VPOS="668" ID="st16-531"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl16-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="858" VPOS="704" ID="st16-532"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="916" VPOS="704" ID="st16-533"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="940" VPOS="704" ID="st16-534"/><SP/><String HEIGHT="24" CONTENT="presence" WIDTH="94" HPOS="1013" VPOS="704" ID="st16-535"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1118" VPOS="704" ID="st16-536"/><SP/><String HEIGHT="24" CONTENT="resisted" WIDTH="81" HPOS="1179" VPOS="704" ID="st16-537"/><SP/><String HEIGHT="24" CONTENT="low" WIDTH="39" HPOS="1271" VPOS="704" ID="st16-538"/><String HEIGHT="24" CONTENT="(" WIDTH="12" HPOS="1321" VPOS="704" ID="st16-539"/><String HEIGHT="24" CONTENT="wage" WIDTH="48" HPOS="1333" VPOS="704" ID="st16-540"/><String HEIGHT="24" CONTENT=")" WIDTH="13" HPOS="1381" VPOS="704" ID="st16-541"/><SP/><String HEIGHT="24" CONTENT="price" WIDTH="51" HPOS="1405" VPOS="704" ID="st16-542"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl16-56" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="competition" WIDTH="124" HPOS="858" VPOS="740" ID="st16-543"/><String HEIGHT="24" CONTENT=";" WIDTH="12" HPOS="982" VPOS="740" ID="st16-544"/><SP/><String HEIGHT="24" CONTENT="instead" WIDTH="73" HPOS="1013" VPOS="740" ID="st16-545"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1086" VPOS="740" ID="st16-546"/><SP/><String HEIGHT="24" CONTENT="higher" WIDTH="69" HPOS="1116" VPOS="740" ID="st16-547"/><SP/><String HEIGHT="24" CONTENT="wages" WIDTH="69" HPOS="1203" VPOS="740" ID="st16-548"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="1290" VPOS="740" ID="st16-549"/><SP/><String HEIGHT="24" CONTENT="achieved" WIDTH="94" HPOS="1362" VPOS="740" ID="st16-550"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl16-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="through" WIDTH="86" HPOS="858" VPOS="776" ID="st16-551"/><SP/><String HEIGHT="24" CONTENT="increased" WIDTH="101" HPOS="959" VPOS="776" ID="st16-552"/><SP/><String HEIGHT="24" CONTENT="productivity" WIDTH="120" HPOS="1075" VPOS="776" ID="st16-553"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1195" VPOS="776" ID="st16-554"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="1221" VPOS="776" ID="st16-555"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1301" VPOS="776" ID="st16-556"/><SP/><String HEIGHT="24" CONTENT="turn" WIDTH="46" HPOS="1335" VPOS="776" ID="st16-557"/><SP/><String HEIGHT="24" CONTENT="made" WIDTH="60" HPOS="1396" VPOS="776" ID="st16-558"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl16-58" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="companies" WIDTH="114" HPOS="858" VPOS="813" ID="st16-559"/><SP/><String HEIGHT="23" CONTENT="more" WIDTH="55" HPOS="980" VPOS="813" ID="st16-560"/><SP/><String HEIGHT="23" CONTENT="competitive" WIDTH="123" HPOS="1044" VPOS="813" ID="st16-561"/><String HEIGHT="23" CONTENT="(" WIDTH="10" HPOS="1176" VPOS="813" ID="st16-562"/><String HEIGHT="23" CONTENT="Hans" WIDTH="43" HPOS="1186" VPOS="813" ID="st16-563"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="1229" VPOS="813" ID="st16-564"/><String HEIGHT="23" CONTENT="Böckler" WIDTH="86" HPOS="1240" VPOS="813" ID="st16-565"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="1326" VPOS="813" ID="st16-566"/><String HEIGHT="23" CONTENT="Foundation" WIDTH="108" HPOS="1337" VPOS="813" ID="st16-567"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1445" VPOS="813" ID="st16-568"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl16-59" WIDTH="69" HEIGHT="23"><String HEIGHT="23" CONTENT="2018" WIDTH="46" HPOS="858" VPOS="849" ID="st16-569"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="904" VPOS="849" ID="st16-570"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="915" VPOS="849" ID="st16-571"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl16-60" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Co" WIDTH="23" HPOS="858" VPOS="921" ID="st16-572"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="881" VPOS="921" ID="st16-573"/><String HEIGHT="24" CONTENT="determination" WIDTH="154" HPOS="893" VPOS="921" ID="st16-574"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="1056" VPOS="921" ID="st16-575"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="1081" VPOS="921" ID="st16-576"/><SP/><String HEIGHT="24" CONTENT="linked" WIDTH="64" HPOS="1133" VPOS="921" ID="st16-577"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1207" VPOS="921" ID="st16-578"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="83" HPOS="1238" VPOS="921" ID="st16-579"/><SP/><String HEIGHT="24" CONTENT="benefits" WIDTH="85" HPOS="1331" VPOS="921" ID="st16-580"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="1426" VPOS="921" ID="st16-581"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl16-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="firms" WIDTH="50" HPOS="858" VPOS="957" ID="st16-582"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="908" VPOS="957" ID="st16-583"/><SP/><String HEIGHT="24" CONTENT="Countries" WIDTH="103" HPOS="930" VPOS="957" ID="st16-584"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1045" VPOS="957" ID="st16-585"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="1104" VPOS="957" ID="st16-586"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="1184" VPOS="957" ID="st16-587"/><SP/><String HEIGHT="24" CONTENT="representation" WIDTH="154" HPOS="1271" VPOS="957" ID="st16-588"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="957" ID="st16-589"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl16-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="993" ID="st16-590"/><SP/><String HEIGHT="24" CONTENT="corporate" WIDTH="103" HPOS="903" VPOS="993" ID="st16-591"/><SP/><String HEIGHT="24" CONTENT="structure" WIDTH="94" HPOS="1016" VPOS="993" ID="st16-592"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1121" VPOS="993" ID="st16-593"/><SP/><String HEIGHT="24" CONTENT="higher" WIDTH="68" HPOS="1181" VPOS="993" ID="st16-594"/><SP/><String HEIGHT="24" CONTENT="overall" WIDTH="69" HPOS="1260" VPOS="993" ID="st16-595"/><SP/><String HEIGHT="24" CONTENT="investment" WIDTH="116" HPOS="1340" VPOS="993" ID="st16-596"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl16-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="858" VPOS="1029" ID="st16-597"/><SP/><String HEIGHT="24" CONTENT="research" WIDTH="89" HPOS="889" VPOS="1029" ID="st16-598"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="990" VPOS="1029" ID="st16-599"/><SP/><String HEIGHT="24" CONTENT="development" WIDTH="140" HPOS="1042" VPOS="1029" ID="st16-600"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1194" VPOS="1029" ID="st16-601"/><String HEIGHT="24" CONTENT="ETUI" WIDTH="40" HPOS="1204" VPOS="1029" ID="st16-602"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1244" VPOS="1029" ID="st16-603"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="50" HPOS="1267" VPOS="1029" ID="st16-604"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1317" VPOS="1029" ID="st16-605"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1342" VPOS="1029" ID="st16-606"/><SP/><String HEIGHT="24" CONTENT="Hans" WIDTH="49" HPOS="1395" VPOS="1029" ID="st16-607" SUBS_TYPE="HypPart1" SUBS_CONTENT="HansBöckler"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1029" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl16-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Böckler" WIDTH="78" HPOS="858" VPOS="1065" ID="st16-608" SUBS_TYPE="HypPart2" SUBS_CONTENT="HansBöckler"/><SP/><String HEIGHT="24" CONTENT="Foundation" WIDTH="117" HPOS="948" VPOS="1065" ID="st16-609"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1065" VPOS="1065" ID="st16-610"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="1089" VPOS="1065" ID="st16-611"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1135" VPOS="1065" ID="st16-612"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1147" VPOS="1065" ID="st16-613"/><SP/><String HEIGHT="24" CONTENT="Germany" WIDTH="98" HPOS="1171" VPOS="1065" ID="st16-614"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1281" VPOS="1065" ID="st16-615"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="1329" VPOS="1065" ID="st16-616"/><SP/><String HEIGHT="24" CONTENT="experi" WIDTH="63" HPOS="1383" VPOS="1065" ID="st16-617" SUBS_TYPE="HypPart1" SUBS_CONTENT="experienced"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1065" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl16-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="enced" WIDTH="64" HPOS="858" VPOS="1101" ID="st16-618" SUBS_TYPE="HypPart2" SUBS_CONTENT="experienced"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="931" VPOS="1101" ID="st16-619"/><SP/><String HEIGHT="24" CONTENT="lower" WIDTH="59" HPOS="953" VPOS="1101" ID="st16-620"/><SP/><String HEIGHT="24" CONTENT="level" WIDTH="48" HPOS="1021" VPOS="1101" ID="st16-621"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1078" VPOS="1101" ID="st16-622"/><SP/><String HEIGHT="24" CONTENT="job" WIDTH="34" HPOS="1109" VPOS="1101" ID="st16-623"/><SP/><String HEIGHT="24" CONTENT="loss" WIDTH="39" HPOS="1152" VPOS="1101" ID="st16-624"/><SP/><String HEIGHT="24" CONTENT="because" WIDTH="86" HPOS="1200" VPOS="1101" ID="st16-625"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1295" VPOS="1101" ID="st16-626"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1327" VPOS="1101" ID="st16-627"/><SP/><String HEIGHT="24" CONTENT="features" WIDTH="85" HPOS="1371" VPOS="1101" ID="st16-628"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl16-66" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1138" ID="st16-629"/><SP/><String HEIGHT="23" CONTENT="collective" WIDTH="97" HPOS="890" VPOS="1138" ID="st16-630"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="997" VPOS="1138" ID="st16-631"/><SP/><String HEIGHT="23" CONTENT="company" WIDTH="98" HPOS="1047" VPOS="1138" ID="st16-632"/><SP/><String HEIGHT="23" CONTENT="agreements" WIDTH="119" HPOS="1155" VPOS="1138" ID="st16-633"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1274" VPOS="1138" ID="st16-634"/><SP/><String HEIGHT="23" CONTENT="Finally" WIDTH="61" HPOS="1296" VPOS="1138" ID="st16-635"/><String HEIGHT="23" CONTENT="," WIDTH="9" HPOS="1357" VPOS="1138" ID="st16-636"/><SP/><String HEIGHT="23" CONTENT="there" WIDTH="55" HPOS="1376" VPOS="1138" ID="st16-637"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="15" HPOS="1441" VPOS="1138" ID="st16-638"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl16-67" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="858" VPOS="1174" ID="st16-639"/><SP/><String HEIGHT="23" CONTENT="strong" WIDTH="68" HPOS="878" VPOS="1174" ID="st16-640"/><SP/><String HEIGHT="23" CONTENT="negative" WIDTH="90" HPOS="953" VPOS="1174" ID="st16-641"/><SP/><String HEIGHT="23" CONTENT="correlation" WIDTH="114" HPOS="1051" VPOS="1174" ID="st16-642"/><SP/><String HEIGHT="23" CONTENT="between" WIDTH="93" HPOS="1172" VPOS="1174" ID="st16-643"/><SP/><String HEIGHT="23" CONTENT="co" WIDTH="22" HPOS="1273" VPOS="1174" ID="st16-644"/><String HEIGHT="23" CONTENT="-" WIDTH="12" HPOS="1295" VPOS="1174" ID="st16-645"/><String HEIGHT="23" CONTENT="determination" WIDTH="149" HPOS="1307" VPOS="1174" ID="st16-646"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl16-68" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1210" ID="st16-647"/><SP/><String HEIGHT="24" CONTENT="income" WIDTH="78" HPOS="907" VPOS="1210" ID="st16-648"/><SP/><String HEIGHT="24" CONTENT="inequality" WIDTH="98" HPOS="993" VPOS="1210" ID="st16-649"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1091" VPOS="1210" ID="st16-650"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1110" VPOS="1210" ID="st16-651"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1141" VPOS="1210" ID="st16-652"/><SP/><String HEIGHT="24" CONTENT="following" WIDTH="100" HPOS="1184" VPOS="1210" ID="st16-653"/><SP/><String HEIGHT="24" CONTENT="chart" WIDTH="54" HPOS="1293" VPOS="1210" ID="st16-654"/><SP/><String HEIGHT="24" CONTENT="illustrates" WIDTH="100" HPOS="1356" VPOS="1210" ID="st16-655"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl16-69" WIDTH="357" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="858" VPOS="1246" ID="st16-656"/><String HEIGHT="24" CONTENT="Hans" WIDTH="42" HPOS="868" VPOS="1246" ID="st16-657"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="910" VPOS="1246" ID="st16-658"/><String HEIGHT="24" CONTENT="Böckler" WIDTH="84" HPOS="920" VPOS="1246" ID="st16-659"/><SP/><String HEIGHT="24" CONTENT="Foundation" WIDTH="115" HPOS="1011" VPOS="1246" ID="st16-660"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1126" VPOS="1246" ID="st16-661"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="1145" VPOS="1246" ID="st16-662"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1191" VPOS="1246" ID="st16-663"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1203" VPOS="1246" ID="st16-664"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl16-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Although" WIDTH="100" HPOS="858" VPOS="1318" ID="st16-665"/><SP/><String HEIGHT="24" CONTENT="Germany" WIDTH="86" HPOS="966" VPOS="1318" ID="st16-666"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1052" VPOS="1318" ID="st16-667"/><String HEIGHT="24" CONTENT="s" WIDTH="13" HPOS="1064" VPOS="1318" ID="st16-668"/><SP/><String HEIGHT="24" CONTENT="Deutsche" WIDTH="98" HPOS="1086" VPOS="1318" ID="st16-669"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="1192" VPOS="1318" ID="st16-670"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1254" VPOS="1318" ID="st16-671"/><SP/><String HEIGHT="24" CONTENT="often" WIDTH="57" HPOS="1277" VPOS="1318" ID="st16-672"/><SP/><String HEIGHT="24" CONTENT="raised" WIDTH="63" HPOS="1342" VPOS="1318" ID="st16-673"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1413" VPOS="1318" ID="st16-674"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1444" VPOS="1318" ID="st16-675"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl16-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="counterexample" WIDTH="170" HPOS="858" VPOS="1354" ID="st16-676"/><SP/><String HEIGHT="24" CONTENT="against" WIDTH="76" HPOS="1038" VPOS="1354" ID="st16-677"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1123" VPOS="1354" ID="st16-678"/><SP/><String HEIGHT="24" CONTENT="merits" WIDTH="65" HPOS="1168" VPOS="1354" ID="st16-679"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1242" VPOS="1354" ID="st16-680"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="1274" VPOS="1354" ID="st16-681"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="1285" VPOS="1354" ID="st16-682"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1405" VPOS="1354" ID="st16-683"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl16-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="below," WIDTH="72" HPOS="858" VPOS="1390" ID="st16-684"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="930" VPOS="1390" ID="st16-685"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="948" VPOS="1390" ID="st16-686"/><SP/><String HEIGHT="24" CONTENT="part" WIDTH="43" HPOS="973" VPOS="1390" ID="st16-687"/><SP/><String HEIGHT="24" CONTENT="because" WIDTH="86" HPOS="1022" VPOS="1390" ID="st16-688"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1114" VPOS="1390" ID="st16-689"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1142" VPOS="1390" ID="st16-690"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="1171" VPOS="1390" ID="st16-691"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1217" VPOS="1390" ID="st16-692"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1242" VPOS="1390" ID="st16-693"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="66" HPOS="1282" VPOS="1390" ID="st16-694"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="103" HPOS="1353" VPOS="1390" ID="st16-695"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl16-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="crisis" WIDTH="48" HPOS="858" VPOS="1426" ID="st16-696"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="906" VPOS="1426" ID="st16-697"/><SP/><String HEIGHT="24" CONTENT="there" WIDTH="55" HPOS="925" VPOS="1426" ID="st16-698"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="991" VPOS="1426" ID="st16-699"/><SP/><String HEIGHT="24" CONTENT="factors" WIDTH="72" HPOS="1034" VPOS="1426" ID="st16-700"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1117" VPOS="1426" ID="st16-701"/><SP/><String HEIGHT="24" CONTENT="distinguish" WIDTH="114" HPOS="1170" VPOS="1426" ID="st16-702"/><SP/><String HEIGHT="24" CONTENT="Deutsche" WIDTH="99" HPOS="1294" VPOS="1426" ID="st16-703"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="1403" VPOS="1426" ID="st16-704"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl16-74" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="from" WIDTH="51" HPOS="858" VPOS="1463" ID="st16-705"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="921" VPOS="1463" ID="st16-706"/><SP/><String HEIGHT="23" CONTENT="broader" WIDTH="84" HPOS="968" VPOS="1463" ID="st16-707"/><SP/><String HEIGHT="23" CONTENT="German" WIDTH="86" HPOS="1064" VPOS="1463" ID="st16-708"/><SP/><String HEIGHT="23" CONTENT="co" WIDTH="23" HPOS="1163" VPOS="1463" ID="st16-709"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="1186" VPOS="1463" ID="st16-710"/><String HEIGHT="23" CONTENT="determination" WIDTH="150" HPOS="1197" VPOS="1463" ID="st16-711"/><SP/><String HEIGHT="23" CONTENT="example" WIDTH="84" HPOS="1359" VPOS="1463" ID="st16-712"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="1443" VPOS="1463" ID="st16-713"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl16-75" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="In" WIDTH="19" HPOS="858" VPOS="1499" ID="st16-714"/><SP/><String HEIGHT="23" CONTENT="particular" WIDTH="95" HPOS="887" VPOS="1499" ID="st16-715"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="982" VPOS="1499" ID="st16-716"/><SP/><String HEIGHT="23" CONTENT="there" WIDTH="55" HPOS="1002" VPOS="1499" ID="st16-717"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="16" HPOS="1067" VPOS="1499" ID="st16-718"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1093" VPOS="1499" ID="st16-719"/><SP/><String HEIGHT="23" CONTENT="issue" WIDTH="51" HPOS="1138" VPOS="1499" ID="st16-720"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1199" VPOS="1499" ID="st16-721"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1231" VPOS="1499" ID="st16-722"/><SP/><String HEIGHT="23" CONTENT="role" WIDTH="40" HPOS="1276" VPOS="1499" ID="st16-723"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1326" VPOS="1499" ID="st16-724"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1359" VPOS="1499" ID="st16-725"/><SP/><String HEIGHT="23" CONTENT="bank" WIDTH="53" HPOS="1403" VPOS="1499" ID="st16-726"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl16-76" WIDTH="360" HEIGHT="24"><String HEIGHT="24" CONTENT="workers" WIDTH="79" HPOS="858" VPOS="1535" ID="st16-727"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="937" VPOS="1535" ID="st16-728"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="62" HPOS="956" VPOS="1535" ID="st16-729"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1024" VPOS="1535" ID="st16-730"/><SP/><String HEIGHT="24" CONTENT="Deutsche" WIDTH="99" HPOS="1052" VPOS="1535" ID="st16-731"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="48" HPOS="1158" VPOS="1535" ID="st16-732"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1206" VPOS="1535" ID="st16-733"/></TextLine><TextLine HPOS="1218" VPOS="1534" ID="tl16-77" WIDTH="16" HEIGHT="14"><String HEIGHT="14" CONTENT="10" WIDTH="16" HPOS="1218" VPOS="1534" ID="st16-734"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl16-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Most" WIDTH="54" HPOS="858" VPOS="1607" ID="st16-735"/><SP/><String HEIGHT="24" CONTENT="German" WIDTH="87" HPOS="928" VPOS="1607" ID="st16-736"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="86" HPOS="1030" VPOS="1607" ID="st16-737"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="1131" VPOS="1607" ID="st16-738"/><SP/><String HEIGHT="24" CONTENT="covered" WIDTH="84" HPOS="1180" VPOS="1607" ID="st16-739"/><SP/><String HEIGHT="24" CONTENT="under" WIDTH="63" HPOS="1279" VPOS="1607" ID="st16-740"/><SP/><String HEIGHT="24" CONTENT="collective" WIDTH="98" HPOS="1358" VPOS="1607" ID="st16-741"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl16-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="agreements" WIDTH="125" HPOS="858" VPOS="1643" ID="st16-742"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="44" HPOS="996" VPOS="1643" ID="st16-743"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="1053" VPOS="1643" ID="st16-744"/><SP/><String HEIGHT="24" CONTENT="negotiated" WIDTH="117" HPOS="1099" VPOS="1643" ID="st16-745"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1229" VPOS="1643" ID="st16-746"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="1273" VPOS="1643" ID="st16-747"/><SP/><String HEIGHT="24" CONTENT="entire" WIDTH="61" HPOS="1313" VPOS="1643" ID="st16-748"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="59" HPOS="1387" VPOS="1643" ID="st16-749"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1446" VPOS="1643" ID="st16-750"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl16-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="through" WIDTH="85" HPOS="858" VPOS="1679" ID="st16-751"/><SP/><String HEIGHT="24" CONTENT="sectoral" WIDTH="82" HPOS="949" VPOS="1679" ID="st16-752"/><SP/><String HEIGHT="24" CONTENT="mechanisms" WIDTH="130" HPOS="1037" VPOS="1679" ID="st16-753"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1173" VPOS="1679" ID="st16-754"/><SP/><String HEIGHT="24" CONTENT="employer" WIDTH="98" HPOS="1219" VPOS="1679" ID="st16-755"/><SP/><String HEIGHT="24" CONTENT="associations" WIDTH="122" HPOS="1323" VPOS="1679" ID="st16-756"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1445" VPOS="1679" ID="st16-757"/></TextLine><TextLine HPOS="858" VPOS="1766" ID="tl16-81" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="10" WIDTH="20" HPOS="858" VPOS="1766" ID="st16-758"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="878" VPOS="1766" ID="st16-759"/><String HEIGHT="19" CONTENT=" More" WIDTH="51" HPOS="888" VPOS="1766" ID="st16-760"/><SP/><String HEIGHT="19" CONTENT="broadly" WIDTH="57" HPOS="948" VPOS="1766" ID="st16-761"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1005" VPOS="1766" ID="st16-762"/><SP/><String HEIGHT="19" CONTENT="Germany" WIDTH="67" HPOS="1023" VPOS="1766" ID="st16-763"/><String HEIGHT="19" CONTENT="’" WIDTH="10" HPOS="1090" VPOS="1766" ID="st16-764"/><String HEIGHT="19" CONTENT="s" WIDTH="10" HPOS="1100" VPOS="1766" ID="st16-765"/><SP/><String HEIGHT="19" CONTENT="banks" WIDTH="49" HPOS="1120" VPOS="1766" ID="st16-766"/><SP/><String HEIGHT="19" CONTENT="have" WIDTH="39" HPOS="1178" VPOS="1766" ID="st16-767"/><SP/><String HEIGHT="19" CONTENT="a" WIDTH="9" HPOS="1227" VPOS="1766" ID="st16-768"/><SP/><String HEIGHT="19" CONTENT="unique" WIDTH="58" HPOS="1246" VPOS="1766" ID="st16-769"/><SP/><String HEIGHT="19" CONTENT="history" WIDTH="56" HPOS="1313" VPOS="1766" ID="st16-770"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="1378" VPOS="1766" ID="st16-771"/><SP/><String HEIGHT="19" CONTENT="rela" WIDTH="30" HPOS="1419" VPOS="1766" ID="st16-772" SUBS_TYPE="HypPart1" SUBS_CONTENT="relationship"/><HYP CONTENT="-" WIDTH="7" HPOS="1449" VPOS="1766" HEIGHT="19"/></TextLine><TextLine HPOS="858" VPOS="1789" ID="tl16-82" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="tionship" WIDTH="66" HPOS="858" VPOS="1789" ID="st16-773" SUBS_TYPE="HypPart2" SUBS_CONTENT="relationship"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="933" VPOS="1789" ID="st16-774"/><SP/><String HEIGHT="19" CONTENT="their" WIDTH="38" HPOS="960" VPOS="1789" ID="st16-775"/><SP/><String HEIGHT="19" CONTENT="national" WIDTH="67" HPOS="1007" VPOS="1789" ID="st16-776"/><SP/><String HEIGHT="19" CONTENT="economy" WIDTH="76" HPOS="1083" VPOS="1789" ID="st16-777"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="1168" VPOS="1789" ID="st16-778"/><SP/><String HEIGHT="19" CONTENT="German" WIDTH="67" HPOS="1209" VPOS="1789" ID="st16-779"/><SP/><String HEIGHT="19" CONTENT="companies" WIDTH="85" HPOS="1285" VPOS="1789" ID="st16-780"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1370" VPOS="1789" ID="st16-781"/><SP/><String HEIGHT="19" CONTENT="German" WIDTH="67" HPOS="1389" VPOS="1789" ID="st16-782"/></TextLine><TextLine HPOS="858" VPOS="1813" ID="tl16-83" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="banks" WIDTH="48" HPOS="858" VPOS="1813" ID="st16-783"/><SP/><String HEIGHT="18" CONTENT="developed" WIDTH="85" HPOS="913" VPOS="1813" ID="st16-784"/><SP/><String HEIGHT="18" CONTENT="a" WIDTH="10" HPOS="1005" VPOS="1813" ID="st16-785"/><SP/><String HEIGHT="18" CONTENT="close" WIDTH="41" HPOS="1021" VPOS="1813" ID="st16-786"/><SP/><String HEIGHT="18" CONTENT="relationship" WIDTH="96" HPOS="1069" VPOS="1813" ID="st16-787"/><SP/><String HEIGHT="18" CONTENT="with" WIDTH="37" HPOS="1171" VPOS="1813" ID="st16-788"/><SP/><String HEIGHT="18" CONTENT="German" WIDTH="67" HPOS="1215" VPOS="1813" ID="st16-789"/><SP/><String HEIGHT="18" CONTENT="companies" WIDTH="89" HPOS="1288" VPOS="1813" ID="st16-790"/><SP/><String HEIGHT="18" CONTENT="after" WIDTH="39" HPOS="1384" VPOS="1813" ID="st16-791"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1429" VPOS="1813" ID="st16-792"/></TextLine><TextLine HPOS="858" VPOS="1836" ID="tl16-84" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="Gründerkrise" WIDTH="116" HPOS="858" VPOS="1836" ID="st16-793"/><String HEIGHT="19" CONTENT="—" WIDTH="10" HPOS="974" VPOS="1836" ID="st16-794"/><String HEIGHT="19" CONTENT="a" WIDTH="10" HPOS="984" VPOS="1836" ID="st16-795"/><SP/><String HEIGHT="19" CONTENT="stock" WIDTH="43" HPOS="999" VPOS="1836" ID="st16-796"/><SP/><String HEIGHT="19" CONTENT="market" WIDTH="58" HPOS="1048" VPOS="1836" ID="st16-797"/><SP/><String HEIGHT="19" CONTENT="crash" WIDTH="43" HPOS="1111" VPOS="1836" ID="st16-798"/><SP/><String HEIGHT="19" CONTENT="–" WIDTH="9" HPOS="1160" VPOS="1836" ID="st16-799"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="16" HPOS="1174" VPOS="1836" ID="st16-800"/><SP/><String HEIGHT="19" CONTENT="1873" WIDTH="38" HPOS="1195" VPOS="1836" ID="st16-801"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1233" VPOS="1836" ID="st16-802"/><SP/><String HEIGHT="19" CONTENT="Without" WIDTH="68" HPOS="1249" VPOS="1836" ID="st16-803"/><SP/><String HEIGHT="19" CONTENT="developed" WIDTH="86" HPOS="1322" VPOS="1836" ID="st16-804"/><SP/><String HEIGHT="19" CONTENT="stock" WIDTH="43" HPOS="1413" VPOS="1836" ID="st16-805"/></TextLine><TextLine HPOS="858" VPOS="1859" ID="tl16-85" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="858" VPOS="1859" ID="st16-806"/><SP/><String HEIGHT="19" CONTENT="bond" WIDTH="43" HPOS="894" VPOS="1859" ID="st16-807"/><SP/><String HEIGHT="19" CONTENT="markets" WIDTH="62" HPOS="942" VPOS="1859" ID="st16-808"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1004" VPOS="1859" ID="st16-809"/><SP/><String HEIGHT="19" CONTENT="German" WIDTH="67" HPOS="1018" VPOS="1859" ID="st16-810"/><SP/><String HEIGHT="19" CONTENT="banks" WIDTH="49" HPOS="1089" VPOS="1859" ID="st16-811"/><SP/><String HEIGHT="19" CONTENT="became" WIDTH="65" HPOS="1143" VPOS="1859" ID="st16-812"/><SP/><String HEIGHT="19" CONTENT="major" WIDTH="48" HPOS="1212" VPOS="1859" ID="st16-813"/><SP/><String HEIGHT="19" CONTENT="blockholders" WIDTH="104" HPOS="1265" VPOS="1859" ID="st16-814"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1374" VPOS="1859" ID="st16-815"/><SP/><String HEIGHT="19" CONTENT="credi" WIDTH="39" HPOS="1410" VPOS="1859" ID="st16-816" SUBS_TYPE="HypPart1" SUBS_CONTENT="creditors"/><HYP CONTENT="-" WIDTH="7" HPOS="1449" VPOS="1859" HEIGHT="19"/></TextLine><TextLine HPOS="858" VPOS="1883" ID="tl16-86" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="tors" WIDTH="31" HPOS="858" VPOS="1883" ID="st16-817" SUBS_TYPE="HypPart2" SUBS_CONTENT="creditors"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="898" VPOS="1883" ID="st16-818"/><SP/><String HEIGHT="18" CONTENT="German" WIDTH="67" HPOS="924" VPOS="1883" ID="st16-819"/><SP/><String HEIGHT="18" CONTENT="companies" WIDTH="88" HPOS="1000" VPOS="1883" ID="st16-820"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1097" VPOS="1883" ID="st16-821"/><SP/><String HEIGHT="18" CONTENT="were" WIDTH="41" HPOS="1137" VPOS="1883" ID="st16-822"/><SP/><String HEIGHT="18" CONTENT="a" WIDTH="9" HPOS="1187" VPOS="1883" ID="st16-823"/><SP/><String HEIGHT="18" CONTENT="provider" WIDTH="68" HPOS="1205" VPOS="1883" ID="st16-824"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="1282" VPOS="1883" ID="st16-825"/><String HEIGHT="18" CONTENT="»" WIDTH="8" HPOS="1308" VPOS="1883" ID="st16-826"/><String HEIGHT="18" CONTENT="patient" WIDTH="61" HPOS="1316" VPOS="1883" ID="st16-827"/><SP/><String HEIGHT="18" CONTENT="capital" WIDTH="55" HPOS="1385" VPOS="1883" ID="st16-828"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="1440" VPOS="1883" ID="st16-829"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1448" VPOS="1883" ID="st16-830"/></TextLine><TextLine HPOS="858" VPOS="1906" ID="tl16-87" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="This" WIDTH="32" HPOS="858" VPOS="1906" ID="st16-831"/><SP/><String HEIGHT="19" CONTENT="relationship" WIDTH="96" HPOS="896" VPOS="1906" ID="st16-832"/><SP/><String HEIGHT="19" CONTENT="existed" WIDTH="57" HPOS="997" VPOS="1906" ID="st16-833"/><SP/><String HEIGHT="19" CONTENT="for" WIDTH="24" HPOS="1060" VPOS="1906" ID="st16-834"/><SP/><String HEIGHT="19" CONTENT="a" WIDTH="10" HPOS="1089" VPOS="1906" ID="st16-835"/><SP/><String HEIGHT="19" CONTENT="century" WIDTH="62" HPOS="1104" VPOS="1906" ID="st16-836"/><SP/><String HEIGHT="19" CONTENT="until" WIDTH="37" HPOS="1171" VPOS="1906" ID="st16-837"/><SP/><String HEIGHT="19" CONTENT="1993" WIDTH="38" HPOS="1214" VPOS="1906" ID="st16-838"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="1252" VPOS="1906" ID="st16-839"/><SP/><String HEIGHT="19" CONTENT="when" WIDTH="46" HPOS="1268" VPOS="1906" ID="st16-840"/><SP/><String HEIGHT="19" CONTENT="Germany" WIDTH="75" HPOS="1320" VPOS="1906" ID="st16-841"/><SP/><String HEIGHT="19" CONTENT="had" WIDTH="31" HPOS="1401" VPOS="1906" ID="st16-842"/><SP/><String HEIGHT="19" CONTENT="its" WIDTH="18" HPOS="1438" VPOS="1906" ID="st16-843"/></TextLine><TextLine HPOS="858" VPOS="1929" ID="tl16-88" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="longest" WIDTH="60" HPOS="858" VPOS="1929" ID="st16-844"/><SP/><String HEIGHT="19" CONTENT="recession" WIDTH="75" HPOS="925" VPOS="1929" ID="st16-845"/><SP/><String HEIGHT="19" CONTENT="since" WIDTH="41" HPOS="1007" VPOS="1929" ID="st16-846"/><SP/><String HEIGHT="19" CONTENT="World" WIDTH="51" HPOS="1055" VPOS="1929" ID="st16-847"/><SP/><String HEIGHT="19" CONTENT="War" WIDTH="34" HPOS="1112" VPOS="1929" ID="st16-848"/><SP/><String HEIGHT="19" CONTENT="II" WIDTH="9" HPOS="1153" VPOS="1929" ID="st16-849"/><String HEIGHT="19" CONTENT="." WIDTH="5" HPOS="1162" VPOS="1929" ID="st16-850"/><SP/><String HEIGHT="19" CONTENT="Germany" WIDTH="76" HPOS="1174" VPOS="1929" ID="st16-851"/><SP/><String HEIGHT="19" CONTENT="modernized" WIDTH="99" HPOS="1256" VPOS="1929" ID="st16-852"/><SP/><String HEIGHT="19" CONTENT="its" WIDTH="18" HPOS="1362" VPOS="1929" ID="st16-853"/><SP/><String HEIGHT="19" CONTENT="financial" WIDTH="69" HPOS="1387" VPOS="1929" ID="st16-854"/></TextLine><TextLine HPOS="858" VPOS="1953" ID="tl16-89" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="system" WIDTH="52" HPOS="858" VPOS="1953" ID="st16-855"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="910" VPOS="1953" ID="st16-856"/><SP/><String HEIGHT="18" CONTENT="expanded" WIDTH="81" HPOS="924" VPOS="1953" ID="st16-857"/><SP/><String HEIGHT="18" CONTENT="equity" WIDTH="51" HPOS="1010" VPOS="1953" ID="st16-858"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1066" VPOS="1953" ID="st16-859"/><SP/><String HEIGHT="18" CONTENT="money" WIDTH="56" HPOS="1102" VPOS="1953" ID="st16-860"/><SP/><String HEIGHT="18" CONTENT="markets" WIDTH="66" HPOS="1163" VPOS="1953" ID="st16-861"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="1234" VPOS="1953" ID="st16-862"/><SP/><String HEIGHT="18" CONTENT="increase" WIDTH="66" HPOS="1256" VPOS="1953" ID="st16-863"/><SP/><String HEIGHT="18" CONTENT="global" WIDTH="51" HPOS="1327" VPOS="1953" ID="st16-864"/><SP/><String HEIGHT="18" CONTENT="competi" WIDTH="64" HPOS="1383" VPOS="1953" ID="st16-865" SUBS_TYPE="HypPart1" SUBS_CONTENT="competitiveness"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1953" HEIGHT="18"/></TextLine><TextLine HPOS="858" VPOS="1976" ID="tl16-90" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="tiveness" WIDTH="62" HPOS="858" VPOS="1976" ID="st16-866" SUBS_TYPE="HypPart2" SUBS_CONTENT="competitiveness"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="920" VPOS="1976" ID="st16-867"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="935" VPOS="1976" ID="st16-868"/><SP/><String HEIGHT="19" CONTENT="implemented" WIDTH="109" HPOS="974" VPOS="1976" ID="st16-869"/><SP/><String HEIGHT="19" CONTENT="fundamental" WIDTH="106" HPOS="1090" VPOS="1976" ID="st16-870"/><SP/><String HEIGHT="19" CONTENT="financial" WIDTH="69" HPOS="1203" VPOS="1976" ID="st16-871"/><SP/><String HEIGHT="19" CONTENT="reforms" WIDTH="64" HPOS="1279" VPOS="1976" ID="st16-872"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="1350" VPOS="1976" ID="st16-873"/><SP/><String HEIGHT="19" CONTENT="2001" WIDTH="44" HPOS="1372" VPOS="1976" ID="st16-874"/><SP/><String HEIGHT="19" CONTENT="that" WIDTH="33" HPOS="1423" VPOS="1976" ID="st16-875"/></TextLine><TextLine HPOS="858" VPOS="1999" ID="tl16-91" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="gave" WIDTH="39" HPOS="858" VPOS="1999" ID="st16-876"/><SP/><String HEIGHT="19" CONTENT="a" WIDTH="10" HPOS="901" VPOS="1999" ID="st16-877"/><SP/><String HEIGHT="19" CONTENT="larger" WIDTH="47" HPOS="915" VPOS="1999" ID="st16-878"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="966" VPOS="1999" ID="st16-879"/><SP/><String HEIGHT="19" CONTENT="more" WIDTH="43" HPOS="1002" VPOS="1999" ID="st16-880"/><SP/><String HEIGHT="19" CONTENT="powerful" WIDTH="74" HPOS="1049" VPOS="1999" ID="st16-881"/><SP/><String HEIGHT="19" CONTENT="role" WIDTH="31" HPOS="1127" VPOS="1999" ID="st16-882"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="1162" VPOS="1999" ID="st16-883"/><SP/><String HEIGHT="19" CONTENT="shareholders" WIDTH="101" HPOS="1184" VPOS="1999" ID="st16-884"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1285" VPOS="1999" ID="st16-885"/><SP/><String HEIGHT="19" CONTENT="German" WIDTH="67" HPOS="1298" VPOS="1999" ID="st16-886"/><SP/><String HEIGHT="19" CONTENT="banks" WIDTH="45" HPOS="1369" VPOS="1999" ID="st16-887"/><String HEIGHT="19" CONTENT="’" WIDTH="9" HPOS="1414" VPOS="1999" ID="st16-888"/><SP/><String HEIGHT="19" CONTENT="his" WIDTH="22" HPOS="1427" VPOS="1999" ID="st16-889" SUBS_TYPE="HypPart1" SUBS_CONTENT="historical"/><HYP CONTENT="-" WIDTH="7" HPOS="1449" VPOS="1999" HEIGHT="19"/></TextLine><TextLine HPOS="858" VPOS="2023" ID="tl16-92" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="torical" WIDTH="51" HPOS="858" VPOS="2023" ID="st16-890" SUBS_TYPE="HypPart2" SUBS_CONTENT="historical"/><SP/><String HEIGHT="18" CONTENT="role" WIDTH="31" HPOS="914" VPOS="2023" ID="st16-891"/><SP/><String HEIGHT="18" CONTENT="as" WIDTH="18" HPOS="950" VPOS="2023" ID="st16-892"/><SP/><String HEIGHT="18" CONTENT="blockholders" WIDTH="105" HPOS="973" VPOS="2023" ID="st16-893"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1083" VPOS="2023" ID="st16-894"/><SP/><String HEIGHT="18" CONTENT="creditors" WIDTH="71" HPOS="1120" VPOS="2023" ID="st16-895"/><SP/><String HEIGHT="18" CONTENT="diminished" WIDTH="90" HPOS="1196" VPOS="2023" ID="st16-896"/><SP/><String HEIGHT="18" CONTENT="as" WIDTH="18" HPOS="1291" VPOS="2023" ID="st16-897"/><SP/><String HEIGHT="18" CONTENT="foreign" WIDTH="59" HPOS="1314" VPOS="2023" ID="st16-898"/><SP/><String HEIGHT="18" CONTENT="investors" WIDTH="70" HPOS="1378" VPOS="2023" ID="st16-899"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="1448" VPOS="2023" ID="st16-900"/></TextLine><TextLine HPOS="858" VPOS="2046" ID="tl16-93" WIDTH="577" HEIGHT="19"><String HEIGHT="19" CONTENT="particularly" WIDTH="90" HPOS="858" VPOS="2046" ID="st16-901"/><SP/><String HEIGHT="19" CONTENT="hedge" WIDTH="52" HPOS="954" VPOS="2046" ID="st16-902"/><SP/><String HEIGHT="19" CONTENT="funds" WIDTH="43" HPOS="1011" VPOS="2046" ID="st16-903"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1054" VPOS="2046" ID="st16-904"/><SP/><String HEIGHT="19" CONTENT="began" WIDTH="52" HPOS="1068" VPOS="2046" ID="st16-905"/><SP/><String HEIGHT="19" CONTENT="increasing" WIDTH="83" HPOS="1126" VPOS="2046" ID="st16-906"/><SP/><String HEIGHT="19" CONTENT="their" WIDTH="38" HPOS="1214" VPOS="2046" ID="st16-907"/><SP/><String HEIGHT="19" CONTENT="presence" WIDTH="73" HPOS="1257" VPOS="2046" ID="st16-908"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="1336" VPOS="2046" ID="st16-909"/><SP/><String HEIGHT="19" CONTENT="Germany" WIDTH="69" HPOS="1356" VPOS="2046" ID="st16-910"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1425" VPOS="2046" ID="st16-911"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl16-94" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="15" WIDTH="32" HPOS="810" VPOS="2254" ID="st16-912"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="17" ID="p840456" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840456" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840456" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl17-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st17-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st17-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st17-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st17-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st17-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st17-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st17-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st17-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st17-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st17-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st17-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st17-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st17-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st17-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st17-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st17-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st17-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st17-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st17-18"/></TextLine><TextLine HPOS="196" VPOS="305" ID="tl17-1" WIDTH="669" HEIGHT="26"><String HEIGHT="26" CONTENT="Figure" WIDTH="73" HPOS="196" VPOS="305" ID="st17-19"/><SP/><String HEIGHT="26" CONTENT="3" WIDTH="11" HPOS="277" VPOS="305" ID="st17-20"/><String HEIGHT="26" CONTENT="." WIDTH="12" HPOS="288" VPOS="305" ID="st17-21"/><SP/><String HEIGHT="26" CONTENT="Level" WIDTH="59" HPOS="307" VPOS="305" ID="st17-22"/><SP/><String HEIGHT="26" CONTENT="of" WIDTH="25" HPOS="374" VPOS="305" ID="st17-23"/><SP/><String HEIGHT="26" CONTENT="Co" WIDTH="26" HPOS="406" VPOS="305" ID="st17-24"/><String HEIGHT="26" CONTENT="-" WIDTH="13" HPOS="432" VPOS="305" ID="st17-25"/><String HEIGHT="26" CONTENT="Determination" WIDTH="173" HPOS="445" VPOS="305" ID="st17-26"/><SP/><String HEIGHT="26" CONTENT="and" WIDTH="45" HPOS="625" VPOS="305" ID="st17-27"/><SP/><String HEIGHT="26" CONTENT="Income" WIDTH="86" HPOS="678" VPOS="305" ID="st17-28"/><SP/><String HEIGHT="26" CONTENT="Equality" WIDTH="93" HPOS="772" VPOS="305" ID="st17-29"/></TextLine><TextLine HPOS="373" VPOS="385" ID="tl17-2" WIDTH="652" HEIGHT="24"><String HEIGHT="24" CONTENT="Income" WIDTH="77" HPOS="373" VPOS="385" ID="st17-30"/><SP/><String HEIGHT="24" CONTENT="inequality" WIDTH="103" HPOS="457" VPOS="385" ID="st17-31"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="566" VPOS="385" ID="st17-32"/><SP/><String HEIGHT="24" CONTENT="co" WIDTH="22" HPOS="613" VPOS="385" ID="st17-33"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="635" VPOS="385" ID="st17-34"/><String HEIGHT="24" CONTENT="determination" WIDTH="149" HPOS="647" VPOS="385" ID="st17-35"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="802" VPOS="385" ID="st17-36"/><String HEIGHT="24" CONTENT="at" WIDTH="19" HPOS="811" VPOS="385" ID="st17-37"/><SP/><String HEIGHT="24" CONTENT="board" WIDTH="62" HPOS="837" VPOS="385" ID="st17-38"/><SP/><String HEIGHT="24" CONTENT="level" WIDTH="45" HPOS="906" VPOS="385" ID="st17-39"/><String HEIGHT="24" CONTENT=")" WIDTH="9" HPOS="951" VPOS="385" ID="st17-40"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="967" VPOS="385" ID="st17-41"/><SP/><String HEIGHT="24" CONTENT="…" WIDTH="16" HPOS="993" VPOS="385" ID="st17-42"/><String HEIGHT="24" CONTENT="." WIDTH="16" HPOS="1009" VPOS="385" ID="st17-43"/></TextLine><TextLine HPOS="1032" VPOS="471" ID="tl17-3" WIDTH="315" HEIGHT="24"><String HEIGHT="24" CONTENT="Income" WIDTH="78" HPOS="1032" VPOS="471" ID="st17-44"/><SP/><String HEIGHT="24" CONTENT="inequality" WIDTH="103" HPOS="1117" VPOS="471" ID="st17-45"/><SP/><String HEIGHT="24" CONTENT="tends" WIDTH="58" HPOS="1227" VPOS="471" ID="st17-46"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1292" VPOS="471" ID="st17-47"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="1321" VPOS="471" ID="st17-48"/></TextLine><TextLine HPOS="480" VPOS="500" ID="tl17-4" WIDTH="41" HEIGHT="21"><String HEIGHT="21" CONTENT="USA" WIDTH="41" HPOS="480" VPOS="500" ID="st17-49"/></TextLine><TextLine HPOS="1032" VPOS="499" ID="tl17-5" WIDTH="289" HEIGHT="24"><String HEIGHT="24" CONTENT="lower" WIDTH="60" HPOS="1032" VPOS="499" ID="st17-50"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1099" VPOS="499" ID="st17-51"/><SP/><String HEIGHT="24" CONTENT="countries" WIDTH="98" HPOS="1125" VPOS="499" ID="st17-52"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1229" VPOS="499" ID="st17-53"/><SP/><String HEIGHT="24" CONTENT="far" WIDTH="29" HPOS="1283" VPOS="499" ID="st17-54" SUBS_TYPE="HypPart1" SUBS_CONTENT="farreaching"/><HYP CONTENT="-" WIDTH="9" HPOS="1312" VPOS="499" HEIGHT="24"/></TextLine><TextLine HPOS="1032" VPOS="526" ID="tl17-6" WIDTH="356" HEIGHT="24"><String HEIGHT="24" CONTENT="reaching" WIDTH="92" HPOS="1032" VPOS="526" ID="st17-55" SUBS_TYPE="HypPart2" SUBS_CONTENT="farreaching"/><SP/><String HEIGHT="24" CONTENT="co" WIDTH="22" HPOS="1131" VPOS="526" ID="st17-56"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="1153" VPOS="526" ID="st17-57"/><String HEIGHT="24" CONTENT="determination" WIDTH="149" HPOS="1165" VPOS="526" ID="st17-58"/><SP/><String HEIGHT="24" CONTENT="rights" WIDTH="57" HPOS="1321" VPOS="526" ID="st17-59"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1378" VPOS="526" ID="st17-60"/></TextLine><TextLine HPOS="376" VPOS="757" ID="tl17-7" WIDTH="21" HEIGHT="56"><String HEIGHT="56" CONTENT="More" WIDTH="21" HPOS="376" VPOS="757" ID="st17-61"/></TextLine><TextLine HPOS="376" VPOS="647" ID="tl17-8" WIDTH="21" HEIGHT="105"><String HEIGHT="105" CONTENT="inequality" WIDTH="21" HPOS="376" VPOS="647" ID="st17-62"/></TextLine><TextLine HPOS="468" VPOS="628" ID="tl17-9" WIDTH="54" HEIGHT="21"><String HEIGHT="21" CONTENT="Japan" WIDTH="54" HPOS="468" VPOS="628" ID="st17-63"/></TextLine><TextLine HPOS="468" VPOS="654" ID="tl17-10" WIDTH="79" HEIGHT="21"><String HEIGHT="21" CONTENT="Portugal" WIDTH="79" HPOS="468" VPOS="654" ID="st17-64"/></TextLine><TextLine HPOS="468" VPOS="706" ID="tl17-11" WIDTH="155" HEIGHT="21"><String HEIGHT="21" CONTENT="United" WIDTH="63" HPOS="468" VPOS="706" ID="st17-65"/><SP/><String HEIGHT="21" CONTENT="Kingdom" WIDTH="86" HPOS="537" VPOS="706" ID="st17-66"/></TextLine><TextLine HPOS="468" VPOS="737" ID="tl17-12" WIDTH="160" HEIGHT="21"><String HEIGHT="21" CONTENT="Switzerland" WIDTH="105" HPOS="468" VPOS="737" ID="st17-67"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="573" VPOS="737" ID="st17-68"/><SP/><String HEIGHT="21" CONTENT="Italy" WIDTH="38" HPOS="590" VPOS="737" ID="st17-69"/></TextLine><TextLine HPOS="468" VPOS="762" ID="tl17-13" WIDTH="51" HEIGHT="21"><String HEIGHT="21" CONTENT="Spain" WIDTH="51" HPOS="468" VPOS="762" ID="st17-70"/></TextLine><TextLine HPOS="606" VPOS="838" ID="tl17-14" WIDTH="61" HEIGHT="21"><String HEIGHT="21" CONTENT="France" WIDTH="61" HPOS="606" VPOS="838" ID="st17-71"/></TextLine><TextLine HPOS="892" VPOS="675" ID="tl17-15" WIDTH="64" HEIGHT="22"><String HEIGHT="22" CONTENT="Poland" WIDTH="64" HPOS="892" VPOS="675" ID="st17-72"/></TextLine><TextLine HPOS="749" VPOS="876" ID="tl17-16" WIDTH="118" HEIGHT="21"><String HEIGHT="21" CONTENT="Luxembourg" WIDTH="118" HPOS="749" VPOS="876" ID="st17-73"/></TextLine><TextLine HPOS="1041" VPOS="776" ID="tl17-17" WIDTH="113" HEIGHT="21"><String HEIGHT="21" CONTENT="Netherlands" WIDTH="113" HPOS="1041" VPOS="776" ID="st17-74"/></TextLine><TextLine HPOS="1040" VPOS="833" ID="tl17-18" WIDTH="87" HEIGHT="21"><String HEIGHT="21" CONTENT="Germany" WIDTH="87" HPOS="1040" VPOS="833" ID="st17-75"/></TextLine><TextLine HPOS="1040" VPOS="871" ID="tl17-19" WIDTH="68" HEIGHT="21"><String HEIGHT="21" CONTENT="Finland" WIDTH="68" HPOS="1040" VPOS="871" ID="st17-76"/></TextLine><TextLine HPOS="1040" VPOS="897" ID="tl17-20" WIDTH="67" HEIGHT="21"><String HEIGHT="21" CONTENT="Austria" WIDTH="67" HPOS="1040" VPOS="897" ID="st17-77"/></TextLine><TextLine HPOS="1184" VPOS="835" ID="tl17-21" WIDTH="72" HEIGHT="21"><String HEIGHT="21" CONTENT="Norway" WIDTH="72" HPOS="1184" VPOS="835" ID="st17-78"/></TextLine><TextLine HPOS="1184" VPOS="919" ID="tl17-22" WIDTH="86" HEIGHT="21"><String HEIGHT="21" CONTENT="Denmark" WIDTH="86" HPOS="1184" VPOS="919" ID="st17-79"/></TextLine><TextLine HPOS="1184" VPOS="945" ID="tl17-23" WIDTH="75" HEIGHT="22"><String HEIGHT="22" CONTENT="Sweden" WIDTH="75" HPOS="1184" VPOS="945" ID="st17-80"/></TextLine><TextLine HPOS="687" VPOS="1021" ID="tl17-24" WIDTH="242" HEIGHT="21"><String HEIGHT="21" CONTENT="More" WIDTH="56" HPOS="687" VPOS="1021" ID="st17-81"/><SP/><String HEIGHT="21" CONTENT="co" WIDTH="22" HPOS="749" VPOS="1021" ID="st17-82"/><String HEIGHT="21" CONTENT="-" WIDTH="11" HPOS="771" VPOS="1021" ID="st17-83"/><String HEIGHT="21" CONTENT="determination" WIDTH="147" HPOS="782" VPOS="1021" ID="st17-84"/></TextLine><TextLine HPOS="373" VPOS="1071" ID="tl17-25" WIDTH="965" HEIGHT="19"><String HEIGHT="19" CONTENT="Income" WIDTH="60" HPOS="373" VPOS="1071" ID="st17-85"/><SP/><String HEIGHT="19" CONTENT="distribution" WIDTH="95" HPOS="438" VPOS="1071" ID="st17-86"/><SP/><String HEIGHT="19" CONTENT="based" WIDTH="48" HPOS="538" VPOS="1071" ID="st17-87"/><SP/><String HEIGHT="19" CONTENT="on" WIDTH="22" HPOS="591" VPOS="1071" ID="st17-88"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="618" VPOS="1071" ID="st17-89"/><SP/><String HEIGHT="19" CONTENT="Gini" WIDTH="31" HPOS="651" VPOS="1071" ID="st17-90"/><String HEIGHT="19" CONTENT="-" WIDTH="7" HPOS="682" VPOS="1071" ID="st17-91"/><String HEIGHT="19" CONTENT="coefficient" WIDTH="86" HPOS="689" VPOS="1071" ID="st17-92"/><String HEIGHT="19" CONTENT=";" WIDTH="8" HPOS="775" VPOS="1071" ID="st17-93"/><SP/><String HEIGHT="19" CONTENT="degree" WIDTH="58" HPOS="787" VPOS="1071" ID="st17-94"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="850" VPOS="1071" ID="st17-95"/><SP/><String HEIGHT="19" CONTENT="co" WIDTH="17" HPOS="873" VPOS="1071" ID="st17-96"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="890" VPOS="1071" ID="st17-97"/><String HEIGHT="19" CONTENT="determination" WIDTH="117" HPOS="899" VPOS="1071" ID="st17-98"/><SP/><String HEIGHT="19" CONTENT="according" WIDTH="82" HPOS="1021" VPOS="1071" ID="st17-99"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="1108" VPOS="1071" ID="st17-100"/><String HEIGHT="19" CONTENT="‘" WIDTH="8" HPOS="1131" VPOS="1071" ID="st17-101"/><String HEIGHT="19" CONTENT="Co" WIDTH="18" HPOS="1139" VPOS="1071" ID="st17-102"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1157" VPOS="1071" ID="st17-103"/><String HEIGHT="19" CONTENT="determination" WIDTH="117" HPOS="1166" VPOS="1071" ID="st17-104"/><SP/><String HEIGHT="19" CONTENT="Index" WIDTH="41" HPOS="1288" VPOS="1071" ID="st17-105"/><String HEIGHT="19" CONTENT="’" WIDTH="9" HPOS="1329" VPOS="1071" ID="st17-106"/></TextLine><TextLine HPOS="196" VPOS="1140" ID="tl17-26" WIDTH="1178" HEIGHT="21"><String HEIGHT="21" CONTENT="Source" WIDTH="60" HPOS="196" VPOS="1140" ID="st17-107"/><String HEIGHT="21" CONTENT=":" WIDTH="10" HPOS="256" VPOS="1140" ID="st17-108"/><SP/><String HEIGHT="21" CONTENT="Hans" WIDTH="38" HPOS="273" VPOS="1140" ID="st17-109"/><String HEIGHT="21" CONTENT="-" WIDTH="9" HPOS="311" VPOS="1140" ID="st17-110"/><String HEIGHT="21" CONTENT="Bockler" WIDTH="68" HPOS="320" VPOS="1140" ID="st17-111"/><String HEIGHT="21" CONTENT="-" WIDTH="9" HPOS="388" VPOS="1140" ID="st17-112"/><String HEIGHT="21" CONTENT="Stiftung" WIDTH="77" HPOS="397" VPOS="1140" ID="st17-113"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="474" VPOS="1140" ID="st17-114"/><String HEIGHT="21" CONTENT="(" WIDTH="9" HPOS="490" VPOS="1140" ID="st17-115"/><String HEIGHT="21" CONTENT="2018" WIDTH="39" HPOS="499" VPOS="1140" ID="st17-116"/><String HEIGHT="21" CONTENT=")" WIDTH="10" HPOS="538" VPOS="1140" ID="st17-117"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="548" VPOS="1140" ID="st17-118"/><String HEIGHT="21" CONTENT="«" WIDTH="14" HPOS="564" VPOS="1140" ID="st17-119"/><String HEIGHT="21" CONTENT="Why" WIDTH="42" HPOS="578" VPOS="1140" ID="st17-120"/><SP/><String HEIGHT="21" CONTENT="Co" WIDTH="21" HPOS="626" VPOS="1140" ID="st17-121"/><String HEIGHT="21" CONTENT="-" WIDTH="10" HPOS="647" VPOS="1140" ID="st17-122"/><String HEIGHT="21" CONTENT="Determination" WIDTH="139" HPOS="657" VPOS="1140" ID="st17-123"/><String HEIGHT="21" CONTENT="?" WIDTH="11" HPOS="796" VPOS="1140" ID="st17-124"/><SP/><String HEIGHT="21" CONTENT="A" WIDTH="15" HPOS="813" VPOS="1140" ID="st17-125"/><SP/><String HEIGHT="21" CONTENT="collection" WIDTH="90" HPOS="834" VPOS="1140" ID="st17-126"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="19" HPOS="931" VPOS="1140" ID="st17-127"/><SP/><String HEIGHT="21" CONTENT="good" WIDTH="49" HPOS="957" VPOS="1140" ID="st17-128"/><SP/><String HEIGHT="21" CONTENT="arguments" WIDTH="101" HPOS="1012" VPOS="1140" ID="st17-129"/><SP/><String HEIGHT="21" CONTENT="for" WIDTH="27" HPOS="1120" VPOS="1140" ID="st17-130"/><SP/><String HEIGHT="21" CONTENT="strong" WIDTH="60" HPOS="1153" VPOS="1140" ID="st17-131"/><SP/><String HEIGHT="21" CONTENT="workers" WIDTH="71" HPOS="1219" VPOS="1140" ID="st17-132"/><String HEIGHT="21" CONTENT="’" WIDTH="11" HPOS="1290" VPOS="1140" ID="st17-133"/><SP/><String HEIGHT="21" CONTENT="voice" WIDTH="47" HPOS="1307" VPOS="1140" ID="st17-134"/><String HEIGHT="21" CONTENT="«" WIDTH="10" HPOS="1354" VPOS="1140" ID="st17-135"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1364" VPOS="1140" ID="st17-136"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl17-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="196" VPOS="1210" ID="st17-137"/><SP/><String HEIGHT="24" CONTENT="does" WIDTH="50" HPOS="247" VPOS="1210" ID="st17-138"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="36" HPOS="305" VPOS="1210" ID="st17-139"/><SP/><String HEIGHT="24" CONTENT="obligate" WIDTH="86" HPOS="350" VPOS="1210" ID="st17-140"/><SP/><String HEIGHT="24" CONTENT="German" WIDTH="86" HPOS="445" VPOS="1210" ID="st17-141"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="107" HPOS="540" VPOS="1210" ID="st17-142"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="647" VPOS="1210" ID="st17-143"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="668" VPOS="1210" ID="st17-144"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="752" VPOS="1210" ID="st17-145"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="773" VPOS="1210" ID="st17-146"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl17-28" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="be" WIDTH="27" HPOS="196" VPOS="1246" ID="st17-147"/><SP/><String HEIGHT="24" CONTENT="members" WIDTH="98" HPOS="228" VPOS="1246" ID="st17-148"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="332" VPOS="1246" ID="st17-149"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="359" VPOS="1246" ID="st17-150"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="399" VPOS="1246" ID="st17-151"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="475" VPOS="1246" ID="st17-152"/><SP/><String HEIGHT="24" CONTENT="negotiate" WIDTH="101" HPOS="523" VPOS="1246" ID="st17-153"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="629" VPOS="1246" ID="st17-154"/><SP/><String HEIGHT="24" CONTENT="contracts" WIDTH="93" HPOS="691" VPOS="1246" ID="st17-155"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="1246" ID="st17-156"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl17-29" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="196" VPOS="1282" ID="st17-157"/><SP/><String HEIGHT="24" CONTENT="OECD" WIDTH="64" HPOS="246" VPOS="1282" ID="st17-158"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="37" HPOS="320" VPOS="1282" ID="st17-159"/><SP/><String HEIGHT="24" CONTENT="estimated" WIDTH="104" HPOS="367" VPOS="1282" ID="st17-160"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="482" VPOS="1282" ID="st17-161"/><SP/><String HEIGHT="24" CONTENT="56" WIDTH="27" HPOS="536" VPOS="1282" ID="st17-162"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="574" VPOS="1282" ID="st17-163"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="619" VPOS="1282" ID="st17-164"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="676" VPOS="1282" ID="st17-165"/><SP/><String HEIGHT="24" CONTENT="German" WIDTH="86" HPOS="709" VPOS="1282" ID="st17-166"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl17-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="workers" WIDTH="86" HPOS="196" VPOS="1318" ID="st17-167"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="293" VPOS="1318" ID="st17-168"/><SP/><String HEIGHT="24" CONTENT="covered" WIDTH="83" HPOS="358" VPOS="1318" ID="st17-169"/><SP/><String HEIGHT="24" CONTENT="under" WIDTH="63" HPOS="453" VPOS="1318" ID="st17-170"/><SP/><String HEIGHT="24" CONTENT="collective" WIDTH="98" HPOS="528" VPOS="1318" ID="st17-171"/><SP/><String HEIGHT="24" CONTENT="agreements" WIDTH="125" HPOS="638" VPOS="1318" ID="st17-172"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1318" ID="st17-173"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl17-31" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="2016" WIDTH="50" HPOS="196" VPOS="1354" ID="st17-174"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="246" VPOS="1354" ID="st17-175"/><SP/><String HEIGHT="24" CONTENT="but" WIDTH="37" HPOS="270" VPOS="1354" ID="st17-176"/><SP/><String HEIGHT="24" CONTENT="only" WIDTH="44" HPOS="318" VPOS="1354" ID="st17-177"/><SP/><String HEIGHT="24" CONTENT="17" WIDTH="27" HPOS="374" VPOS="1354" ID="st17-178"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="413" VPOS="1354" ID="st17-179"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="459" VPOS="1354" ID="st17-180"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="516" VPOS="1354" ID="st17-181"/><SP/><String HEIGHT="24" CONTENT="members" WIDTH="99" HPOS="580" VPOS="1354" ID="st17-182"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="690" VPOS="1354" ID="st17-183"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="723" VPOS="1354" ID="st17-184"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl17-32" WIDTH="355" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="196" VPOS="1390" ID="st17-185"/><String HEIGHT="24" CONTENT="OECD" WIDTH="46" HPOS="207" VPOS="1390" ID="st17-186"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="253" VPOS="1390" ID="st17-187"/><String HEIGHT="24" CONTENT="Stat" WIDTH="46" HPOS="265" VPOS="1390" ID="st17-188"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="311" VPOS="1390" ID="st17-189"/><SP/><String HEIGHT="24" CONTENT="Labour" WIDTH="66" HPOS="330" VPOS="1390" ID="st17-190"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="396" VPOS="1390" ID="st17-191"/><SP/><String HEIGHT="24" CONTENT="8" WIDTH="14" HPOS="415" VPOS="1390" ID="st17-192"/><SP/><String HEIGHT="24" CONTENT="July" WIDTH="39" HPOS="436" VPOS="1390" ID="st17-193"/><SP/><String HEIGHT="24" CONTENT="2018" WIDTH="46" HPOS="482" VPOS="1390" ID="st17-194"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="528" VPOS="1390" ID="st17-195"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="539" VPOS="1390" ID="st17-196"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl17-33" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="In" WIDTH="20" HPOS="196" VPOS="1463" ID="st17-197"/><SP/><String HEIGHT="23" CONTENT="its" WIDTH="24" HPOS="222" VPOS="1463" ID="st17-198"/><SP/><String HEIGHT="23" CONTENT="annual" WIDTH="72" HPOS="252" VPOS="1463" ID="st17-199"/><SP/><String HEIGHT="23" CONTENT="reports" WIDTH="71" HPOS="330" VPOS="1463" ID="st17-200"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="401" VPOS="1463" ID="st17-201"/><SP/><String HEIGHT="23" CONTENT="Deutsche" WIDTH="99" HPOS="418" VPOS="1463" ID="st17-202"/><SP/><String HEIGHT="23" CONTENT="Bank" WIDTH="53" HPOS="523" VPOS="1463" ID="st17-203"/><SP/><String HEIGHT="23" CONTENT="has" WIDTH="36" HPOS="582" VPOS="1463" ID="st17-204"/><SP/><String HEIGHT="23" CONTENT="been" WIDTH="52" HPOS="625" VPOS="1463" ID="st17-205"/><SP/><String HEIGHT="23" CONTENT="estimating" WIDTH="111" HPOS="684" VPOS="1463" ID="st17-206"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl17-34" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="since" WIDTH="53" HPOS="196" VPOS="1499" ID="st17-207"/><SP/><String HEIGHT="23" CONTENT="2012" WIDTH="56" HPOS="257" VPOS="1499" ID="st17-208"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="321" VPOS="1499" ID="st17-209"/><SP/><String HEIGHT="23" CONTENT="approximately" WIDTH="149" HPOS="373" VPOS="1499" ID="st17-210"/><SP/><String HEIGHT="23" CONTENT="25" WIDTH="28" HPOS="531" VPOS="1499" ID="st17-211"/><SP/><String HEIGHT="23" CONTENT="per" WIDTH="35" HPOS="567" VPOS="1499" ID="st17-212"/><SP/><String HEIGHT="23" CONTENT="cent" WIDTH="46" HPOS="610" VPOS="1499" ID="st17-213"/><SP/><String HEIGHT="23" CONTENT="or" WIDTH="22" HPOS="664" VPOS="1499" ID="st17-214"/><SP/><String HEIGHT="23" CONTENT="less" WIDTH="37" HPOS="695" VPOS="1499" ID="st17-215"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="741" VPOS="1499" ID="st17-216"/><SP/><String HEIGHT="23" CONTENT="its" WIDTH="24" HPOS="771" VPOS="1499" ID="st17-217"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl17-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="estimated" WIDTH="105" HPOS="196" VPOS="1535" ID="st17-218"/><SP/><String HEIGHT="24" CONTENT="100,000" WIDTH="91" HPOS="310" VPOS="1535" ID="st17-219"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="411" VPOS="1535" ID="st17-220"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="533" VPOS="1535" ID="st17-221"/><SP/><String HEIGHT="24" CONTENT="members" WIDTH="99" HPOS="576" VPOS="1535" ID="st17-222"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="685" VPOS="1535" ID="st17-223"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="66" HPOS="717" VPOS="1535" ID="st17-224"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="783" VPOS="1535" ID="st17-225"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl17-36" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="including" WIDTH="98" HPOS="196" VPOS="1571" ID="st17-226"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="303" VPOS="1571" ID="st17-227"/><SP/><String HEIGHT="24" CONTENT="public" WIDTH="64" HPOS="347" VPOS="1571" ID="st17-228"/><SP/><String HEIGHT="24" CONTENT="Postbank" WIDTH="93" HPOS="420" VPOS="1571" ID="st17-229"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="513" VPOS="1571" ID="st17-230"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="534" VPOS="1571" ID="st17-231"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="563" VPOS="1571" ID="st17-232"/><SP/><String HEIGHT="24" CONTENT="60" WIDTH="28" HPOS="636" VPOS="1571" ID="st17-233"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="673" VPOS="1571" ID="st17-234"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="717" VPOS="1571" ID="st17-235"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1571" ID="st17-236"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl17-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="employees" WIDTH="113" HPOS="196" VPOS="1607" ID="st17-237"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="318" VPOS="1607" ID="st17-238"/><SP/><String HEIGHT="24" CONTENT="members" WIDTH="98" HPOS="361" VPOS="1607" ID="st17-239"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="469" VPOS="1607" ID="st17-240"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="66" HPOS="501" VPOS="1607" ID="st17-241"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="567" VPOS="1607" ID="st17-242"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="588" VPOS="1607" ID="st17-243"/><SP/><String HEIGHT="24" CONTENT="Germany" WIDTH="89" HPOS="617" VPOS="1607" ID="st17-244"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="706" VPOS="1607" ID="st17-245"/><SP/><String HEIGHT="24" CONTENT="where" WIDTH="66" HPOS="729" VPOS="1607" ID="st17-246"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl17-38" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="almost" WIDTH="72" HPOS="196" VPOS="1643" ID="st17-247"/><SP/><String HEIGHT="24" CONTENT="half" WIDTH="40" HPOS="281" VPOS="1643" ID="st17-248"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="334" VPOS="1643" ID="st17-249"/><SP/><String HEIGHT="24" CONTENT="Deutsche" WIDTH="100" HPOS="369" VPOS="1643" ID="st17-250"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="45" HPOS="481" VPOS="1643" ID="st17-251"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="526" VPOS="1643" ID="st17-252"/><String HEIGHT="24" CONTENT="s" WIDTH="12" HPOS="537" VPOS="1643" ID="st17-253"/><SP/><String HEIGHT="24" CONTENT="workforce" WIDTH="108" HPOS="562" VPOS="1643" ID="st17-254"/><SP/><String HEIGHT="24" CONTENT="resides" WIDTH="70" HPOS="683" VPOS="1643" ID="st17-255"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="753" VPOS="1643" ID="st17-256"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1643" ID="st17-257"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl17-39" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="total" WIDTH="49" HPOS="196" VPOS="1679" ID="st17-258"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="253" VPOS="1679" ID="st17-259"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="49" HPOS="281" VPOS="1679" ID="st17-260"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="330" VPOS="1679" ID="st17-261"/><SP/><String HEIGHT="24" CONTENT="17" WIDTH="27" HPOS="352" VPOS="1679" ID="st17-262"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="34" HPOS="388" VPOS="1679" ID="st17-263"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="430" VPOS="1679" ID="st17-264"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="485" VPOS="1679" ID="st17-265"/><SP/><String HEIGHT="24" CONTENT="employees" WIDTH="112" HPOS="515" VPOS="1679" ID="st17-266"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="636" VPOS="1679" ID="st17-267"/><SP/><String HEIGHT="24" CONTENT="members" WIDTH="99" HPOS="696" VPOS="1679" ID="st17-268"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl17-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="196" VPOS="1715" ID="st17-269"/><SP/><String HEIGHT="24" CONTENT="trade" WIDTH="56" HPOS="227" VPOS="1715" ID="st17-270"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="66" HPOS="292" VPOS="1715" ID="st17-271"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="358" VPOS="1715" ID="st17-272"/><SP/><String HEIGHT="24" CONTENT="while" WIDTH="57" HPOS="379" VPOS="1715" ID="st17-273"/><SP/><String HEIGHT="24" CONTENT="56" WIDTH="28" HPOS="444" VPOS="1715" ID="st17-274"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="481" VPOS="1715" ID="st17-275"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="525" VPOS="1715" ID="st17-276"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="579" VPOS="1715" ID="st17-277"/><SP/><String HEIGHT="24" CONTENT="covered" WIDTH="82" HPOS="641" VPOS="1715" ID="st17-278"/><SP/><String HEIGHT="24" CONTENT="under" WIDTH="63" HPOS="732" VPOS="1715" ID="st17-279"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl17-41" WIDTH="325" HEIGHT="24"><String HEIGHT="24" CONTENT="collective" WIDTH="98" HPOS="196" VPOS="1751" ID="st17-280"/><SP/><String HEIGHT="24" CONTENT="agreements" WIDTH="125" HPOS="300" VPOS="1751" ID="st17-281"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="432" VPOS="1751" ID="st17-282"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="50" HPOS="458" VPOS="1751" ID="st17-283"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="508" VPOS="1751" ID="st17-284"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl17-42" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="What" WIDTH="48" HPOS="196" VPOS="1824" ID="st17-285"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="244" VPOS="1824" ID="st17-286"/><String HEIGHT="23" CONTENT="s" WIDTH="13" HPOS="256" VPOS="1824" ID="st17-287"/><SP/><String HEIGHT="23" CONTENT="more" WIDTH="50" HPOS="276" VPOS="1824" ID="st17-288"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="326" VPOS="1824" ID="st17-289"/><SP/><String HEIGHT="23" CONTENT="over" WIDTH="46" HPOS="346" VPOS="1824" ID="st17-290"/><SP/><String HEIGHT="23" CONTENT="40" WIDTH="28" HPOS="400" VPOS="1824" ID="st17-291"/><SP/><String HEIGHT="23" CONTENT="per" WIDTH="35" HPOS="436" VPOS="1824" ID="st17-292"/><SP/><String HEIGHT="23" CONTENT="cent" WIDTH="46" HPOS="478" VPOS="1824" ID="st17-293"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="532" VPOS="1824" ID="st17-294"/><SP/><String HEIGHT="23" CONTENT="Deutsche" WIDTH="99" HPOS="562" VPOS="1824" ID="st17-295"/><SP/><String HEIGHT="23" CONTENT="Bank" WIDTH="53" HPOS="669" VPOS="1824" ID="st17-296"/><SP/><String HEIGHT="23" CONTENT="global" WIDTH="65" HPOS="730" VPOS="1824" ID="st17-297"/></TextLine><TextLine HPOS="196" VPOS="1860" ID="tl17-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="employees" WIDTH="113" HPOS="196" VPOS="1860" ID="st17-298"/><SP/><String HEIGHT="24" CONTENT="work" WIDTH="54" HPOS="317" VPOS="1860" ID="st17-299"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="379" VPOS="1860" ID="st17-300"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="407" VPOS="1860" ID="st17-301"/><SP/><String HEIGHT="24" CONTENT="private" WIDTH="72" HPOS="450" VPOS="1860" ID="st17-302"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="530" VPOS="1860" ID="st17-303"/><SP/><String HEIGHT="24" CONTENT="business" WIDTH="89" HPOS="578" VPOS="1860" ID="st17-304"/><SP/><String HEIGHT="24" CONTENT="clients" WIDTH="66" HPOS="676" VPOS="1860" ID="st17-305"/><SP/><String HEIGHT="24" CONTENT="seg" WIDTH="34" HPOS="750" VPOS="1860" ID="st17-306" SUBS_TYPE="HypPart1" SUBS_CONTENT="segment"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1860" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl17-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ment" WIDTH="56" HPOS="196" VPOS="1896" ID="st17-307" SUBS_TYPE="HypPart2" SUBS_CONTENT="segment"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="20" HPOS="260" VPOS="1896" ID="st17-308"/><SP/><String HEIGHT="24" CONTENT="present" WIDTH="75" HPOS="288" VPOS="1896" ID="st17-309"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="363" VPOS="1896" ID="st17-310"/><SP/><String HEIGHT="24" CONTENT="An" WIDTH="30" HPOS="382" VPOS="1896" ID="st17-311"/><SP/><String HEIGHT="24" CONTENT="informative" WIDTH="121" HPOS="420" VPOS="1896" ID="st17-312"/><SP/><String HEIGHT="24" CONTENT="2005" WIDTH="55" HPOS="549" VPOS="1896" ID="st17-313"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="46" HPOS="612" VPOS="1896" ID="st17-314"/><SP/><String HEIGHT="24" CONTENT="study" WIDTH="57" HPOS="665" VPOS="1896" ID="st17-315"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="730" VPOS="1896" ID="st17-316"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1896" ID="st17-317"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl17-45" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Deutsche" WIDTH="99" HPOS="196" VPOS="1932" ID="st17-318"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="52" HPOS="306" VPOS="1932" ID="st17-319"/><SP/><String HEIGHT="24" CONTENT="EWC" WIDTH="53" HPOS="369" VPOS="1932" ID="st17-320"/><SP/><String HEIGHT="24" CONTENT="noted" WIDTH="63" HPOS="432" VPOS="1932" ID="st17-321"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="506" VPOS="1932" ID="st17-322"/><SP/><String HEIGHT="24" CONTENT="about" WIDTH="63" HPOS="559" VPOS="1932" ID="st17-323"/><SP/><String HEIGHT="24" CONTENT="40" WIDTH="28" HPOS="632" VPOS="1932" ID="st17-324"/><SP/><String HEIGHT="24" CONTENT="per" WIDTH="35" HPOS="671" VPOS="1932" ID="st17-325"/><SP/><String HEIGHT="24" CONTENT="cent" WIDTH="46" HPOS="716" VPOS="1932" ID="st17-326"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1932" ID="st17-327"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl17-46" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Deutsche" WIDTH="98" HPOS="196" VPOS="1968" ID="st17-328"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="44" HPOS="300" VPOS="1968" ID="st17-329"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="344" VPOS="1968" ID="st17-330"/><String HEIGHT="24" CONTENT="s" WIDTH="11" HPOS="355" VPOS="1968" ID="st17-331"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="371" VPOS="1968" ID="st17-332"/><SP/><String HEIGHT="24" CONTENT="were" WIDTH="52" HPOS="460" VPOS="1968" ID="st17-333"/><SP/><String HEIGHT="24" CONTENT="employed" WIDTH="104" HPOS="517" VPOS="1968" ID="st17-334"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="626" VPOS="1968" ID="st17-335"/><SP/><String HEIGHT="24" CONTENT="then" WIDTH="42" HPOS="656" VPOS="1968" ID="st17-336"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="698" VPOS="1968" ID="st17-337"/><String HEIGHT="24" CONTENT="recently" WIDTH="86" HPOS="709" VPOS="1968" ID="st17-338"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl17-47" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="acquired" WIDTH="92" HPOS="196" VPOS="2004" ID="st17-339"/><SP/><String HEIGHT="24" CONTENT="investment" WIDTH="117" HPOS="297" VPOS="2004" ID="st17-340"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="53" HPOS="423" VPOS="2004" ID="st17-341"/><SP/><String HEIGHT="24" CONTENT="Morgan" WIDTH="85" HPOS="486" VPOS="2004" ID="st17-342"/><SP/><String HEIGHT="24" CONTENT="Grenfell" WIDTH="80" HPOS="580" VPOS="2004" ID="st17-343"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="660" VPOS="2004" ID="st17-344"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="681" VPOS="2004" ID="st17-345"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="41" HPOS="754" VPOS="2004" ID="st17-346"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl17-48" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="no" WIDTH="28" HPOS="196" VPOS="2040" ID="st17-347"/><SP/><String HEIGHT="24" CONTENT="employee" WIDTH="103" HPOS="234" VPOS="2040" ID="st17-348"/><SP/><String HEIGHT="24" CONTENT="representation" WIDTH="153" HPOS="348" VPOS="2040" ID="st17-349"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="511" VPOS="2040" ID="st17-350"/><String HEIGHT="24" CONTENT="Eurofound" WIDTH="103" HPOS="522" VPOS="2040" ID="st17-351"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="625" VPOS="2040" ID="st17-352"/><SP/><String HEIGHT="24" CONTENT="2005" WIDTH="46" HPOS="647" VPOS="2040" ID="st17-353"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="693" VPOS="2040" ID="st17-354"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="705" VPOS="2040" ID="st17-355"/><SP/><String HEIGHT="24" CONTENT="There" WIDTH="57" HPOS="727" VPOS="2040" ID="st17-356" SUBS_TYPE="HypPart1" SUBS_CONTENT="Therefore"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="2040" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl17-49" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="fore" WIDTH="39" HPOS="858" VPOS="1210" ID="st17-357" SUBS_TYPE="HypPart2" SUBS_CONTENT="Therefore"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="897" VPOS="1210" ID="st17-358"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="916" VPOS="1210" ID="st17-359"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="939" VPOS="1210" ID="st17-360"/><SP/><String HEIGHT="24" CONTENT="likely" WIDTH="53" HPOS="963" VPOS="1210" ID="st17-361"/><SP/><String HEIGHT="24" CONTENT="weak" WIDTH="57" HPOS="1025" VPOS="1210" ID="st17-362"/><SP/><String HEIGHT="24" CONTENT="member" WIDTH="89" HPOS="1091" VPOS="1210" ID="st17-363"/><SP/><String HEIGHT="24" CONTENT="organization" WIDTH="134" HPOS="1188" VPOS="1210" ID="st17-364"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1331" VPOS="1210" ID="st17-365"/><SP/><String HEIGHT="24" CONTENT="Germany" WIDTH="97" HPOS="1359" VPOS="1210" ID="st17-366"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl17-50" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1246" ID="st17-367"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="909" VPOS="1246" ID="st17-368"/><SP/><String HEIGHT="24" CONTENT="lack" WIDTH="42" HPOS="931" VPOS="1246" ID="st17-369"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="984" VPOS="1246" ID="st17-370"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="1016" VPOS="1246" ID="st17-371"/><SP/><String HEIGHT="24" CONTENT="representation" WIDTH="153" HPOS="1088" VPOS="1246" ID="st17-372"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="56" HPOS="1251" VPOS="1246" ID="st17-373"/><SP/><String HEIGHT="24" CONTENT="broadly" WIDTH="79" HPOS="1317" VPOS="1246" ID="st17-374"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1406" VPOS="1246" ID="st17-375"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl17-51" WIDTH="537" HEIGHT="24"><String HEIGHT="24" CONTENT="created" WIDTH="78" HPOS="858" VPOS="1282" ID="st17-376"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="943" VPOS="1282" ID="st17-377"/><SP/><String HEIGHT="24" CONTENT="weak" WIDTH="57" HPOS="963" VPOS="1282" ID="st17-378"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="1027" VPOS="1282" ID="st17-379"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1095" VPOS="1282" ID="st17-380"/><SP/><String HEIGHT="24" CONTENT="EWC" WIDTH="53" HPOS="1142" VPOS="1282" ID="st17-381"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1202" VPOS="1282" ID="st17-382"/><SP/><String HEIGHT="24" CONTENT="Deutsche" WIDTH="98" HPOS="1230" VPOS="1282" ID="st17-383"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="48" HPOS="1335" VPOS="1282" ID="st17-384"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1383" VPOS="1282" ID="st17-385"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl17-52" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Thus" WIDTH="44" HPOS="858" VPOS="1354" ID="st17-386"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="902" VPOS="1354" ID="st17-387"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="919" VPOS="1354" ID="st17-388"/><SP/><String HEIGHT="24" CONTENT="Deutsche" WIDTH="98" HPOS="958" VPOS="1354" ID="st17-389"/><SP/><String HEIGHT="24" CONTENT="Bank" WIDTH="53" HPOS="1060" VPOS="1354" ID="st17-390"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="89" HPOS="1117" VPOS="1354" ID="st17-391"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1210" VPOS="1354" ID="st17-392"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="1230" VPOS="1354" ID="st17-393"/><SP/><String HEIGHT="24" CONTENT="outlier" WIDTH="67" HPOS="1261" VPOS="1354" ID="st17-394"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1333" VPOS="1354" ID="st17-395"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1357" VPOS="1354" ID="st17-396"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="82" HPOS="1374" VPOS="1354" ID="st17-397"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl17-53" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="co" WIDTH="22" HPOS="858" VPOS="1390" ID="st17-398"/><String HEIGHT="24" CONTENT="-" WIDTH="12" HPOS="880" VPOS="1390" ID="st17-399"/><String HEIGHT="24" CONTENT="determination" WIDTH="149" HPOS="892" VPOS="1390" ID="st17-400"/><SP/><String HEIGHT="24" CONTENT="structure" WIDTH="94" HPOS="1051" VPOS="1390" ID="st17-401"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1155" VPOS="1390" ID="st17-402"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1208" VPOS="1390" ID="st17-403"/><SP/><String HEIGHT="24" CONTENT="general" WIDTH="80" HPOS="1237" VPOS="1390" ID="st17-404"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="1327" VPOS="1390" ID="st17-405"/><SP/><String HEIGHT="24" CONTENT="fairly" WIDTH="51" HPOS="1352" VPOS="1390" ID="st17-406"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="1413" VPOS="1390" ID="st17-407"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl17-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="integrated" WIDTH="109" HPOS="858" VPOS="1426" ID="st17-408"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="42" HPOS="975" VPOS="1426" ID="st17-409"/><SP/><String HEIGHT="24" CONTENT="Germany" WIDTH="86" HPOS="1025" VPOS="1426" ID="st17-410"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1111" VPOS="1426" ID="st17-411"/><String HEIGHT="24" CONTENT="s" WIDTH="13" HPOS="1123" VPOS="1426" ID="st17-412"/><SP/><String HEIGHT="24" CONTENT="system" WIDTH="72" HPOS="1144" VPOS="1426" ID="st17-413"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="1223" VPOS="1426" ID="st17-414"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="63" HPOS="1253" VPOS="1426" ID="st17-415"/><String HEIGHT="24" CONTENT="-" WIDTH="13" HPOS="1316" VPOS="1426" ID="st17-416"/><String HEIGHT="24" CONTENT="management" WIDTH="127" HPOS="1329" VPOS="1426" ID="st17-417"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl17-55" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="relations" WIDTH="87" HPOS="858" VPOS="1463" ID="st17-418"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="945" VPOS="1463" ID="st17-419"/><SP/><String HEIGHT="23" CONTENT="More" WIDTH="56" HPOS="961" VPOS="1463" ID="st17-420"/><SP/><String HEIGHT="23" CONTENT="generally" WIDTH="90" HPOS="1023" VPOS="1463" ID="st17-421"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1113" VPOS="1463" ID="st17-422"/><SP/><String HEIGHT="23" CONTENT="however" WIDTH="84" HPOS="1130" VPOS="1463" ID="st17-423"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1214" VPOS="1463" ID="st17-424"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1232" VPOS="1463" ID="st17-425"/><SP/><String HEIGHT="23" CONTENT="co" WIDTH="22" HPOS="1273" VPOS="1463" ID="st17-426"/><String HEIGHT="23" CONTENT="-" WIDTH="12" HPOS="1295" VPOS="1463" ID="st17-427"/><String HEIGHT="23" CONTENT="determination" WIDTH="149" HPOS="1307" VPOS="1463" ID="st17-428"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl17-56" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="model" WIDTH="66" HPOS="858" VPOS="1499" ID="st17-429"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="930" VPOS="1499" ID="st17-430"/><SP/><String HEIGHT="23" CONTENT="including" WIDTH="97" HPOS="957" VPOS="1499" ID="st17-431"/><SP/><String HEIGHT="23" CONTENT="worker" WIDTH="75" HPOS="1060" VPOS="1499" ID="st17-432"/><SP/><String HEIGHT="23" CONTENT="voice" WIDTH="54" HPOS="1140" VPOS="1499" ID="st17-433"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="1199" VPOS="1499" ID="st17-434"/><SP/><String HEIGHT="23" CONTENT="corporate" WIDTH="103" HPOS="1224" VPOS="1499" ID="st17-435"/><SP/><String HEIGHT="23" CONTENT="governance" WIDTH="124" HPOS="1332" VPOS="1499" ID="st17-436"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl17-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="offers" WIDTH="61" HPOS="858" VPOS="1535" ID="st17-437"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="930" VPOS="1535" ID="st17-438"/><SP/><String HEIGHT="24" CONTENT="invaluable" WIDTH="107" HPOS="967" VPOS="1535" ID="st17-439"/><SP/><String HEIGHT="24" CONTENT="template" WIDTH="94" HPOS="1086" VPOS="1535" ID="st17-440"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1191" VPOS="1535" ID="st17-441"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="90" HPOS="1233" VPOS="1535" ID="st17-442"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="1334" VPOS="1535" ID="st17-443"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="1345" VPOS="1535" ID="st17-444"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl17-58" WIDTH="142" HEIGHT="24"><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="858" VPOS="1571" ID="st17-445"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="60" HPOS="916" VPOS="1571" ID="st17-446"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="976" VPOS="1571" ID="st17-447"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="988" VPOS="1571" ID="st17-448"/></TextLine><TextLine HPOS="858" VPOS="1675" ID="tl17-59" WIDTH="438" HEIGHT="29"><String HEIGHT="29" CONTENT="Argentina" WIDTH="129" HPOS="858" VPOS="1675" ID="st17-449"/><SP/><String HEIGHT="29" CONTENT="and" WIDTH="50" HPOS="995" VPOS="1675" ID="st17-450"/><SP/><String HEIGHT="29" CONTENT="Financial" WIDTH="112" HPOS="1053" VPOS="1675" ID="st17-451"/><SP/><String HEIGHT="29" CONTENT="Instability" WIDTH="122" HPOS="1174" VPOS="1675" ID="st17-452"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl17-60" WIDTH="225" HEIGHT="24"><String HEIGHT="24" CONTENT="Quality" WIDTH="75" HPOS="858" VPOS="1751" ID="st17-453"/><SP/><String HEIGHT="24" CONTENT="employment" WIDTH="134" HPOS="949" VPOS="1751" ID="st17-454"/></TextLine><TextLine HPOS="1083" VPOS="1751" ID="tl17-61" WIDTH="17" HEIGHT="13"><String HEIGHT="13" CONTENT="11" WIDTH="17" HPOS="1083" VPOS="1751" ID="st17-455"/></TextLine><TextLine HPOS="1115" VPOS="1751" ID="tl17-62" WIDTH="341" HEIGHT="24"><String HEIGHT="24" CONTENT="plays" WIDTH="53" HPOS="1115" VPOS="1751" ID="st17-456"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1183" VPOS="1751" ID="st17-457"/><SP/><String HEIGHT="24" CONTENT="key" WIDTH="36" HPOS="1211" VPOS="1751" ID="st17-458"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="1262" VPOS="1751" ID="st17-459"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1318" VPOS="1751" ID="st17-460"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="104" HPOS="1352" VPOS="1751" ID="st17-461"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl17-63" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="growth" WIDTH="77" HPOS="858" VPOS="1788" ID="st17-462"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="942" VPOS="1788" ID="st17-463"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="990" VPOS="1788" ID="st17-464"/><SP/><String HEIGHT="23" CONTENT="macroeconomic" WIDTH="169" HPOS="1032" VPOS="1788" ID="st17-465"/><SP/><String HEIGHT="23" CONTENT="stability" WIDTH="80" HPOS="1209" VPOS="1788" ID="st17-466"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1297" VPOS="1788" ID="st17-467"/><SP/><String HEIGHT="23" CONTENT="any" WIDTH="38" HPOS="1326" VPOS="1788" ID="st17-468"/><SP/><String HEIGHT="23" CONTENT="country" WIDTH="74" HPOS="1371" VPOS="1788" ID="st17-469"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1445" VPOS="1788" ID="st17-470"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl17-64" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1824" ID="st17-471"/><SP/><String HEIGHT="23" CONTENT="consequences" WIDTH="149" HPOS="905" VPOS="1824" ID="st17-472"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1063" VPOS="1824" ID="st17-473"/><SP/><String HEIGHT="23" CONTENT="instability" WIDTH="100" HPOS="1094" VPOS="1824" ID="st17-474"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1203" VPOS="1824" ID="st17-475"/><SP/><String HEIGHT="23" CONTENT="well" WIDTH="43" HPOS="1245" VPOS="1824" ID="st17-476"/><SP/><String HEIGHT="23" CONTENT="documented" WIDTH="145" HPOS="1296" VPOS="1824" ID="st17-477"/><String HEIGHT="23" CONTENT="—" WIDTH="15" HPOS="1441" VPOS="1824" ID="st17-478"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl17-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="858" VPOS="1860" ID="st17-479"/><SP/><String HEIGHT="24" CONTENT="decreased" WIDTH="106" HPOS="917" VPOS="1860" ID="st17-480"/><SP/><String HEIGHT="24" CONTENT="income" WIDTH="78" HPOS="1031" VPOS="1860" ID="st17-481"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1117" VPOS="1860" ID="st17-482"/><SP/><String HEIGHT="24" CONTENT="savings" WIDTH="72" HPOS="1166" VPOS="1860" ID="st17-483"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1238" VPOS="1860" ID="st17-484"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1257" VPOS="1860" ID="st17-485"/><SP/><String HEIGHT="24" CONTENT="lower" WIDTH="59" HPOS="1306" VPOS="1860" ID="st17-486"/><SP/><String HEIGHT="24" CONTENT="produc" WIDTH="72" HPOS="1373" VPOS="1860" ID="st17-487" SUBS_TYPE="HypPart1" SUBS_CONTENT="productivity"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="1860" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl17-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="tivity" WIDTH="46" HPOS="858" VPOS="1896" ID="st17-488" SUBS_TYPE="HypPart2" SUBS_CONTENT="productivity"/><String HEIGHT="24" CONTENT="," WIDTH="8" HPOS="904" VPOS="1896" ID="st17-489"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="921" VPOS="1896" ID="st17-490"/><SP/><String HEIGHT="24" CONTENT="reduced" WIDTH="85" HPOS="953" VPOS="1896" ID="st17-491"/><SP/><String HEIGHT="24" CONTENT="foreign" WIDTH="76" HPOS="1047" VPOS="1896" ID="st17-492"/><SP/><String HEIGHT="24" CONTENT="investment" WIDTH="112" HPOS="1132" VPOS="1896" ID="st17-493"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1244" VPOS="1896" ID="st17-494"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="41" HPOS="1265" VPOS="1896" ID="st17-495"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="1315" VPOS="1896" ID="st17-496"/><SP/><String HEIGHT="24" CONTENT="particularly" WIDTH="116" HPOS="1340" VPOS="1896" ID="st17-497"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl17-67" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="observable" WIDTH="114" HPOS="858" VPOS="1932" ID="st17-498"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="982" VPOS="1932" ID="st17-499"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1011" VPOS="1932" ID="st17-500"/><SP/><String HEIGHT="24" CONTENT="context" WIDTH="79" HPOS="1056" VPOS="1932" ID="st17-501"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1145" VPOS="1932" ID="st17-502"/><SP/><String HEIGHT="24" CONTENT="severe" WIDTH="66" HPOS="1177" VPOS="1932" ID="st17-503"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1253" VPOS="1932" ID="st17-504"/><SP/><String HEIGHT="24" CONTENT="instability" WIDTH="95" HPOS="1352" VPOS="1932" ID="st17-505"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1932" ID="st17-506"/></TextLine><TextLine HPOS="858" VPOS="2023" ID="tl17-68" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="11" WIDTH="15" HPOS="858" VPOS="2023" ID="st17-507"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="873" VPOS="2023" ID="st17-508"/><String HEIGHT="18" CONTENT=" " WIDTH="8" HPOS="881" VPOS="2023" ID="st17-509"/><SP/><String HEIGHT="18" CONTENT="Quality" WIDTH="58" HPOS="895" VPOS="2023" ID="st17-510"/><SP/><String HEIGHT="18" CONTENT="employment" WIDTH="104" HPOS="957" VPOS="2023" ID="st17-511"/><SP/><String HEIGHT="18" CONTENT="refers" WIDTH="46" HPOS="1066" VPOS="2023" ID="st17-512"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="18" HPOS="1116" VPOS="2023" ID="st17-513"/><SP/><String HEIGHT="18" CONTENT="stable" WIDTH="49" HPOS="1138" VPOS="2023" ID="st17-514"/><SP/><String HEIGHT="18" CONTENT="employment" WIDTH="103" HPOS="1192" VPOS="2023" ID="st17-515"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1300" VPOS="2023" ID="st17-516"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1320" VPOS="2023" ID="st17-517"/><SP/><String HEIGHT="18" CONTENT="formal" WIDTH="54" HPOS="1351" VPOS="2023" ID="st17-518"/><SP/><String HEIGHT="18" CONTENT="econ" WIDTH="37" HPOS="1410" VPOS="2023" ID="st17-519" SUBS_TYPE="HypPart1" SUBS_CONTENT="economy"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="2023" HEIGHT="18"/></TextLine><TextLine HPOS="858" VPOS="2046" ID="tl17-69" WIDTH="214" HEIGHT="19"><String HEIGHT="19" CONTENT="omy" WIDTH="29" HPOS="858" VPOS="2046" ID="st17-520" SUBS_TYPE="HypPart2" SUBS_CONTENT="economy"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="887" VPOS="2046" ID="st17-521"/><SP/><String HEIGHT="19" CONTENT="among" WIDTH="59" HPOS="902" VPOS="2046" ID="st17-522"/><SP/><String HEIGHT="19" CONTENT="other" WIDTH="44" HPOS="966" VPOS="2046" ID="st17-523"/><SP/><String HEIGHT="19" CONTENT="things" WIDTH="48" HPOS="1016" VPOS="2046" ID="st17-524"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1064" VPOS="2046" ID="st17-525"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl17-70" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="16" WIDTH="32" HPOS="810" VPOS="2254" ID="st17-526"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="18" ID="p840457" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840457" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840457" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl18-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st18-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st18-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st18-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st18-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st18-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st18-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st18-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st18-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st18-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st18-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st18-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st18-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st18-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st18-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st18-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st18-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st18-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st18-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st18-18"/></TextLine><TextLine HPOS="196" VPOS="305" ID="tl18-1" WIDTH="509" HEIGHT="26"><String HEIGHT="26" CONTENT="Figure" WIDTH="73" HPOS="196" VPOS="305" ID="st18-19"/><SP/><String HEIGHT="26" CONTENT="4" WIDTH="11" HPOS="277" VPOS="305" ID="st18-20"/><String HEIGHT="26" CONTENT="." WIDTH="12" HPOS="288" VPOS="305" ID="st18-21"/><SP/><String HEIGHT="26" CONTENT="Trade" WIDTH="64" HPOS="307" VPOS="305" ID="st18-22"/><SP/><String HEIGHT="26" CONTENT="Union" WIDTH="71" HPOS="379" VPOS="305" ID="st18-23"/><SP/><String HEIGHT="26" CONTENT="Strength" WIDTH="102" HPOS="458" VPOS="305" ID="st18-24"/><SP/><String HEIGHT="26" CONTENT="in" WIDTH="22" HPOS="567" VPOS="305" ID="st18-25"/><SP/><String HEIGHT="26" CONTENT="Germany" WIDTH="108" HPOS="597" VPOS="305" ID="st18-26"/></TextLine><TextLine HPOS="298" VPOS="412" ID="tl18-2" WIDTH="703" HEIGHT="24"><String HEIGHT="24" CONTENT="Germany" WIDTH="99" HPOS="298" VPOS="412" ID="st18-27"/><String HEIGHT="24" CONTENT=":" WIDTH="15" HPOS="397" VPOS="412" ID="st18-28"/><SP/><String HEIGHT="24" CONTENT="Union" WIDTH="71" HPOS="419" VPOS="412" ID="st18-29"/><SP/><String HEIGHT="24" CONTENT="Density" WIDTH="89" HPOS="497" VPOS="412" ID="st18-30"/><SP/><String HEIGHT="24" CONTENT="vs" WIDTH="21" HPOS="593" VPOS="412" ID="st18-31"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="614" VPOS="412" ID="st18-32"/><SP/><String HEIGHT="24" CONTENT="Collective" WIDTH="113" HPOS="632" VPOS="412" ID="st18-33"/><SP/><String HEIGHT="24" CONTENT="Agreement" WIDTH="132" HPOS="751" VPOS="412" ID="st18-34"/><SP/><String HEIGHT="24" CONTENT="Coverage" WIDTH="111" HPOS="890" VPOS="412" ID="st18-35"/></TextLine><TextLine HPOS="318" VPOS="527" ID="tl18-3" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="69" WIDTH="28" HPOS="318" VPOS="527" ID="st18-36"/></TextLine><TextLine HPOS="388" VPOS="533" ID="tl18-4" WIDTH="28" HEIGHT="23"><String HEIGHT="23" CONTENT="68" WIDTH="28" HPOS="388" VPOS="533" ID="st18-37"/></TextLine><TextLine HPOS="458" VPOS="533" ID="tl18-5" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="68" WIDTH="28" HPOS="458" VPOS="533" ID="st18-38"/></TextLine><TextLine HPOS="528" VPOS="544" ID="tl18-6" WIDTH="27" HEIGHT="23"><String HEIGHT="23" CONTENT="66" WIDTH="27" HPOS="528" VPOS="544" ID="st18-39"/></TextLine><TextLine HPOS="597" VPOS="548" ID="tl18-7" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="65" WIDTH="28" HPOS="597" VPOS="548" ID="st18-40"/></TextLine><TextLine HPOS="667" VPOS="557" ID="tl18-8" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="63" WIDTH="28" HPOS="667" VPOS="557" ID="st18-41"/></TextLine><TextLine HPOS="737" VPOS="567" ID="tl18-9" WIDTH="28" HEIGHT="23"><String HEIGHT="23" CONTENT="62" WIDTH="28" HPOS="737" VPOS="567" ID="st18-42"/></TextLine><TextLine HPOS="807" VPOS="568" ID="tl18-10" WIDTH="27" HEIGHT="24"><String HEIGHT="24" CONTENT="61" WIDTH="27" HPOS="807" VPOS="568" ID="st18-43"/></TextLine><TextLine HPOS="876" VPOS="566" ID="tl18-11" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="62" WIDTH="28" HPOS="876" VPOS="566" ID="st18-44"/></TextLine><TextLine HPOS="946" VPOS="577" ID="tl18-12" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="60" WIDTH="28" HPOS="946" VPOS="577" ID="st18-45"/></TextLine><TextLine HPOS="1016" VPOS="582" ID="tl18-13" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="59" WIDTH="28" HPOS="1016" VPOS="582" ID="st18-46"/></TextLine><TextLine HPOS="1086" VPOS="585" ID="tl18-14" WIDTH="27" HEIGHT="24"><String HEIGHT="24" CONTENT="58" WIDTH="27" HPOS="1086" VPOS="585" ID="st18-47"/></TextLine><TextLine HPOS="1155" VPOS="589" ID="tl18-15" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="58" WIDTH="28" HPOS="1155" VPOS="589" ID="st18-48"/></TextLine><TextLine HPOS="1225" VPOS="588" ID="tl18-16" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="58" WIDTH="28" HPOS="1225" VPOS="588" ID="st18-49"/></TextLine><TextLine HPOS="1295" VPOS="594" ID="tl18-17" WIDTH="28" HEIGHT="23"><String HEIGHT="23" CONTENT="57" WIDTH="28" HPOS="1295" VPOS="594" ID="st18-50"/></TextLine><TextLine HPOS="1365" VPOS="598" ID="tl18-18" WIDTH="27" HEIGHT="24"><String HEIGHT="24" CONTENT="56" WIDTH="27" HPOS="1365" VPOS="598" ID="st18-51"/></TextLine><TextLine HPOS="257" VPOS="720" ID="tl18-19" WIDTH="21" HEIGHT="33"><String HEIGHT="33" CONTENT="Per" WIDTH="21" HPOS="257" VPOS="720" ID="st18-52"/></TextLine><TextLine HPOS="257" VPOS="669" ID="tl18-20" WIDTH="21" HEIGHT="45"><String HEIGHT="45" CONTENT="cent" WIDTH="21" HPOS="257" VPOS="669" ID="st18-53"/></TextLine><TextLine HPOS="318" VPOS="779" ID="tl18-21" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="24" WIDTH="28" HPOS="318" VPOS="779" ID="st18-54"/></TextLine><TextLine HPOS="388" VPOS="780" ID="tl18-22" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="24" WIDTH="28" HPOS="388" VPOS="780" ID="st18-55"/></TextLine><TextLine HPOS="458" VPOS="783" ID="tl18-23" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="23" WIDTH="28" HPOS="458" VPOS="783" ID="st18-56"/></TextLine><TextLine HPOS="528" VPOS="788" ID="tl18-24" WIDTH="28" HEIGHT="23"><String HEIGHT="23" CONTENT="22" WIDTH="28" HPOS="528" VPOS="788" ID="st18-57"/></TextLine><TextLine HPOS="597" VPOS="791" ID="tl18-25" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="22" WIDTH="28" HPOS="597" VPOS="791" ID="st18-58"/></TextLine><TextLine HPOS="667" VPOS="797" ID="tl18-26" WIDTH="28" HEIGHT="23"><String HEIGHT="23" CONTENT="21" WIDTH="28" HPOS="667" VPOS="797" ID="st18-59"/></TextLine><TextLine HPOS="737" VPOS="801" ID="tl18-27" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="20" WIDTH="28" HPOS="737" VPOS="801" ID="st18-60"/></TextLine><TextLine HPOS="807" VPOS="805" ID="tl18-28" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="19" WIDTH="28" HPOS="807" VPOS="805" ID="st18-61"/></TextLine><TextLine HPOS="876" VPOS="806" ID="tl18-29" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="19" WIDTH="28" HPOS="876" VPOS="806" ID="st18-62"/></TextLine><TextLine HPOS="946" VPOS="806" ID="tl18-30" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="19" WIDTH="28" HPOS="946" VPOS="806" ID="st18-63"/></TextLine><TextLine HPOS="1016" VPOS="809" ID="tl18-31" WIDTH="28" HEIGHT="23"><String HEIGHT="23" CONTENT="18" WIDTH="28" HPOS="1016" VPOS="809" ID="st18-64"/></TextLine><TextLine HPOS="1086" VPOS="810" ID="tl18-32" WIDTH="28" HEIGHT="23"><String HEIGHT="23" CONTENT="18" WIDTH="28" HPOS="1086" VPOS="810" ID="st18-65"/></TextLine><TextLine HPOS="1155" VPOS="811" ID="tl18-33" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="18" WIDTH="28" HPOS="1155" VPOS="811" ID="st18-66"/></TextLine><TextLine HPOS="1225" VPOS="813" ID="tl18-34" WIDTH="28" HEIGHT="23"><String HEIGHT="23" CONTENT="18" WIDTH="28" HPOS="1225" VPOS="813" ID="st18-67"/></TextLine><TextLine HPOS="1295" VPOS="813" ID="tl18-35" WIDTH="28" HEIGHT="24"><String HEIGHT="24" CONTENT="18" WIDTH="28" HPOS="1295" VPOS="813" ID="st18-68"/></TextLine><TextLine HPOS="1365" VPOS="817" ID="tl18-36" WIDTH="28" HEIGHT="23"><String HEIGHT="23" CONTENT="17" WIDTH="28" HPOS="1365" VPOS="817" ID="st18-69"/></TextLine><TextLine HPOS="307" VPOS="937" ID="tl18-37" WIDTH="1096" HEIGHT="21"><String HEIGHT="21" CONTENT="2001" WIDTH="49" HPOS="307" VPOS="937" ID="st18-70"/><SP/><String HEIGHT="21" CONTENT="2002" WIDTH="49" HPOS="377" VPOS="937" ID="st18-71"/><SP/><String HEIGHT="21" CONTENT="2003" WIDTH="49" HPOS="447" VPOS="937" ID="st18-72"/><SP/><String HEIGHT="21" CONTENT="2004" WIDTH="49" HPOS="516" VPOS="937" ID="st18-73"/><SP/><String HEIGHT="21" CONTENT="2005" WIDTH="49" HPOS="586" VPOS="937" ID="st18-74"/><SP/><String HEIGHT="21" CONTENT="2006" WIDTH="49" HPOS="656" VPOS="937" ID="st18-75"/><SP/><String HEIGHT="21" CONTENT="2007" WIDTH="49" HPOS="726" VPOS="937" ID="st18-76"/><SP/><String HEIGHT="21" CONTENT="2008" WIDTH="50" HPOS="795" VPOS="937" ID="st18-77"/><SP/><String HEIGHT="21" CONTENT="2009" WIDTH="49" HPOS="865" VPOS="937" ID="st18-78"/><SP/><String HEIGHT="21" CONTENT="2010" WIDTH="49" HPOS="935" VPOS="937" ID="st18-79"/><SP/><String HEIGHT="21" CONTENT="2011" WIDTH="48" HPOS="1005" VPOS="937" ID="st18-80"/><SP/><String HEIGHT="21" CONTENT="2012" WIDTH="50" HPOS="1074" VPOS="937" ID="st18-81"/><SP/><String HEIGHT="21" CONTENT="2013" WIDTH="50" HPOS="1144" VPOS="937" ID="st18-82"/><SP/><String HEIGHT="21" CONTENT="2014" WIDTH="50" HPOS="1213" VPOS="937" ID="st18-83"/><SP/><String HEIGHT="21" CONTENT="2015" WIDTH="49" HPOS="1284" VPOS="937" ID="st18-84"/><SP/><String HEIGHT="21" CONTENT="2016" WIDTH="50" HPOS="1353" VPOS="937" ID="st18-85"/></TextLine><TextLine HPOS="827" VPOS="990" ID="tl18-38" WIDTH="47" HEIGHT="21"><String HEIGHT="21" CONTENT="Year" WIDTH="47" HPOS="827" VPOS="990" ID="st18-86"/></TextLine><TextLine HPOS="515" VPOS="1041" ID="tl18-39" WIDTH="733" HEIGHT="21"><String HEIGHT="21" CONTENT="Trade" WIDTH="52" HPOS="515" VPOS="1041" ID="st18-87"/><SP/><String HEIGHT="21" CONTENT="Union" WIDTH="57" HPOS="573" VPOS="1041" ID="st18-88"/><SP/><String HEIGHT="21" CONTENT="Density" WIDTH="69" HPOS="636" VPOS="1041" ID="st18-89"/><SP/><String HEIGHT="21" CONTENT="Collective" WIDTH="91" HPOS="842" VPOS="1041" ID="st18-90"/><SP/><String HEIGHT="21" CONTENT="Bargaining" WIDTH="101" HPOS="940" VPOS="1041" ID="st18-91"/><SP/><String HEIGHT="21" CONTENT="Agreement" WIDTH="106" HPOS="1046" VPOS="1041" ID="st18-92"/><SP/><String HEIGHT="21" CONTENT="Coverage" WIDTH="90" HPOS="1158" VPOS="1041" ID="st18-93"/></TextLine><TextLine HPOS="196" VPOS="1140" ID="tl18-40" WIDTH="1204" HEIGHT="21"><String HEIGHT="21" CONTENT="Source" WIDTH="60" HPOS="196" VPOS="1140" ID="st18-94"/><String HEIGHT="21" CONTENT=":" WIDTH="10" HPOS="256" VPOS="1140" ID="st18-95"/><SP/><String HEIGHT="21" CONTENT="OECD" WIDTH="42" HPOS="273" VPOS="1140" ID="st18-96"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="315" VPOS="1140" ID="st18-97"/><String HEIGHT="21" CONTENT="Stat" WIDTH="42" HPOS="326" VPOS="1140" ID="st18-98"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="368" VPOS="1140" ID="st18-99"/><SP/><String HEIGHT="21" CONTENT="Labour" WIDTH="59" HPOS="385" VPOS="1140" ID="st18-100"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="444" VPOS="1140" ID="st18-101"/><String HEIGHT="21" CONTENT="»" WIDTH="10" HPOS="461" VPOS="1140" ID="st18-102"/><String HEIGHT="21" CONTENT="Trade" WIDTH="53" HPOS="471" VPOS="1140" ID="st18-103"/><SP/><String HEIGHT="21" CONTENT="Unions" WIDTH="66" HPOS="530" VPOS="1140" ID="st18-104"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="602" VPOS="1140" ID="st18-105"/><SP/><String HEIGHT="21" CONTENT="Collective" WIDTH="91" HPOS="644" VPOS="1140" ID="st18-106"/><SP/><String HEIGHT="21" CONTENT="Bargaining" WIDTH="98" HPOS="741" VPOS="1140" ID="st18-107"/><String HEIGHT="21" CONTENT=":" WIDTH="10" HPOS="839" VPOS="1140" ID="st18-108"/><SP/><String HEIGHT="21" CONTENT="Collective" WIDTH="91" HPOS="855" VPOS="1140" ID="st18-109"/><SP/><String HEIGHT="21" CONTENT="bargaining" WIDTH="102" HPOS="952" VPOS="1140" ID="st18-110"/><SP/><String HEIGHT="21" CONTENT="coverage" WIDTH="85" HPOS="1060" VPOS="1140" ID="st18-111"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="1151" VPOS="1140" ID="st18-112"/><SP/><String HEIGHT="21" CONTENT="trade" WIDTH="50" HPOS="1193" VPOS="1140" ID="st18-113"/><SP/><String HEIGHT="21" CONTENT="union" WIDTH="54" HPOS="1249" VPOS="1140" ID="st18-114"/><SP/><String HEIGHT="21" CONTENT="density" WIDTH="67" HPOS="1309" VPOS="1140" ID="st18-115"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="18" HPOS="1382" VPOS="1140" ID="st18-116"/></TextLine><TextLine HPOS="196" VPOS="1168" ID="tl18-41" WIDTH="289" HEIGHT="21"><String HEIGHT="21" CONTENT="OECD" WIDTH="57" HPOS="196" VPOS="1168" ID="st18-117"/><SP/><String HEIGHT="21" CONTENT="countries" WIDTH="85" HPOS="259" VPOS="1168" ID="st18-118"/><String HEIGHT="21" CONTENT="«" WIDTH="10" HPOS="344" VPOS="1168" ID="st18-119"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="354" VPOS="1168" ID="st18-120"/><SP/><String HEIGHT="21" CONTENT="8" WIDTH="13" HPOS="370" VPOS="1168" ID="st18-121"/><SP/><String HEIGHT="21" CONTENT="July" WIDTH="35" HPOS="389" VPOS="1168" ID="st18-122"/><SP/><String HEIGHT="21" CONTENT="2018" WIDTH="44" HPOS="430" VPOS="1168" ID="st18-123"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="474" VPOS="1168" ID="st18-124"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl18-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Strong" WIDTH="71" HPOS="196" VPOS="1246" ID="st18-125"/><SP/><String HEIGHT="24" CONTENT="policies" WIDTH="78" HPOS="273" VPOS="1246" ID="st18-126"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="358" VPOS="1246" ID="st18-127"/><SP/><String HEIGHT="24" CONTENT="strengthen" WIDTH="115" HPOS="407" VPOS="1246" ID="st18-128"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="529" VPOS="1246" ID="st18-129"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="590" VPOS="1246" ID="st18-130"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="114" HPOS="671" VPOS="1246" ID="st18-131"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="785" VPOS="1246" ID="st18-132"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl18-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="196" VPOS="1282" ID="st18-133"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="280" VPOS="1282" ID="st18-134"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="299" VPOS="1282" ID="st18-135"/><SP/><String HEIGHT="24" CONTENT="protect" WIDTH="76" HPOS="343" VPOS="1282" ID="st18-136"/><SP/><String HEIGHT="24" CONTENT="against" WIDTH="77" HPOS="425" VPOS="1282" ID="st18-137"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="508" VPOS="1282" ID="st18-138"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="571" VPOS="1282" ID="st18-139"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="600" VPOS="1282" ID="st18-140"/><SP/><String HEIGHT="24" CONTENT="negative" WIDTH="91" HPOS="663" VPOS="1282" ID="st18-141"/><SP/><String HEIGHT="24" CONTENT="im" WIDTH="24" HPOS="760" VPOS="1282" ID="st18-142" SUBS_TYPE="HypPart1" SUBS_CONTENT="impacts"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1282" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl18-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="pacts" WIDTH="56" HPOS="196" VPOS="1318" ID="st18-143" SUBS_TYPE="HypPart2" SUBS_CONTENT="impacts"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="260" VPOS="1318" ID="st18-144"/><SP/><String HEIGHT="24" CONTENT="creating" WIDTH="86" HPOS="292" VPOS="1318" ID="st18-145"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="385" VPOS="1318" ID="st18-146"/><SP/><String HEIGHT="24" CONTENT="protecting" WIDTH="110" HPOS="433" VPOS="1318" ID="st18-147"/><SP/><String HEIGHT="24" CONTENT="stable" WIDTH="63" HPOS="550" VPOS="1318" ID="st18-148"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="620" VPOS="1318" ID="st18-149"/><SP/><String HEIGHT="24" CONTENT="high" WIDTH="42" HPOS="668" VPOS="1318" ID="st18-150"/><String HEIGHT="24" CONTENT="-" WIDTH="10" HPOS="710" VPOS="1318" ID="st18-151"/><String HEIGHT="24" CONTENT="quality" WIDTH="75" HPOS="720" VPOS="1318" ID="st18-152"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl18-45" WIDTH="480" HEIGHT="24"><String HEIGHT="24" CONTENT="formal" WIDTH="70" HPOS="196" VPOS="1354" ID="st18-153"/><SP/><String HEIGHT="24" CONTENT="jobs" WIDTH="43" HPOS="273" VPOS="1354" ID="st18-154"/><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="323" VPOS="1354" ID="st18-155"/><String HEIGHT="24" CONTENT="Bertranou" WIDTH="101" HPOS="334" VPOS="1354" ID="st18-156"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="442" VPOS="1354" ID="st18-157"/><SP/><String HEIGHT="24" CONTENT="Casanova" WIDTH="97" HPOS="489" VPOS="1354" ID="st18-158"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="586" VPOS="1354" ID="st18-159"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="606" VPOS="1354" ID="st18-160"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="652" VPOS="1354" ID="st18-161"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="664" VPOS="1354" ID="st18-162"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl18-46" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="196" VPOS="1426" ID="st18-163"/><SP/><String HEIGHT="24" CONTENT="Argentinian" WIDTH="125" HPOS="245" VPOS="1426" ID="st18-164"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="89" HPOS="379" VPOS="1426" ID="st18-165"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="477" VPOS="1426" ID="st18-166"/><SP/><String HEIGHT="24" CONTENT="instructive" WIDTH="108" HPOS="502" VPOS="1426" ID="st18-167"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="619" VPOS="1426" ID="st18-168"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="657" VPOS="1426" ID="st18-169"/><SP/><String HEIGHT="24" CONTENT="point" WIDTH="52" HPOS="703" VPOS="1426" ID="st18-170"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="755" VPOS="1426" ID="st18-171"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="775" VPOS="1426" ID="st18-172"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl18-47" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="196" VPOS="1463" ID="st18-173"/><SP/><String HEIGHT="23" CONTENT="last" WIDTH="36" HPOS="239" VPOS="1463" ID="st18-174"/><SP/><String HEIGHT="23" CONTENT="50" WIDTH="28" HPOS="283" VPOS="1463" ID="st18-175"/><SP/><String HEIGHT="23" CONTENT="years" WIDTH="50" HPOS="319" VPOS="1463" ID="st18-176"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="369" VPOS="1463" ID="st18-177"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="388" VPOS="1463" ID="st18-178"/><SP/><String HEIGHT="23" CONTENT="country" WIDTH="80" HPOS="431" VPOS="1463" ID="st18-179"/><SP/><String HEIGHT="23" CONTENT="has" WIDTH="36" HPOS="519" VPOS="1463" ID="st18-180"/><SP/><String HEIGHT="23" CONTENT="undergone" WIDTH="117" HPOS="563" VPOS="1463" ID="st18-181"/><SP/><String HEIGHT="23" CONTENT="successive" WIDTH="107" HPOS="688" VPOS="1463" ID="st18-182"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl18-48" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="economic" WIDTH="103" HPOS="196" VPOS="1499" ID="st18-183"/><SP/><String HEIGHT="23" CONTENT="failures" WIDTH="73" HPOS="308" VPOS="1499" ID="st18-184"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="381" VPOS="1499" ID="st18-185"/><SP/><String HEIGHT="23" CONTENT="Through" WIDTH="89" HPOS="400" VPOS="1499" ID="st18-186"/><SP/><String HEIGHT="23" CONTENT="much" WIDTH="60" HPOS="498" VPOS="1499" ID="st18-187"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="567" VPOS="1499" ID="st18-188"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="598" VPOS="1499" ID="st18-189"/><SP/><String HEIGHT="23" CONTENT="history" WIDTH="66" HPOS="649" VPOS="1499" ID="st18-190"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="715" VPOS="1499" ID="st18-191"/><SP/><String HEIGHT="23" CONTENT="policy" WIDTH="61" HPOS="734" VPOS="1499" ID="st18-192"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl18-49" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="makers" WIDTH="77" HPOS="196" VPOS="1535" ID="st18-193"/><SP/><String HEIGHT="24" CONTENT="associated" WIDTH="110" HPOS="283" VPOS="1535" ID="st18-194"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="404" VPOS="1535" ID="st18-195"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="462" VPOS="1535" ID="st18-196"/><SP/><String HEIGHT="24" CONTENT="IMF" WIDTH="39" HPOS="507" VPOS="1535" ID="st18-197"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="557" VPOS="1535" ID="st18-198"/><SP/><String HEIGHT="24" CONTENT="other" WIDTH="57" HPOS="608" VPOS="1535" ID="st18-199"/><SP/><String HEIGHT="24" CONTENT="multilateral" WIDTH="120" HPOS="675" VPOS="1535" ID="st18-200"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl18-50" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="institutions" WIDTH="118" HPOS="196" VPOS="1571" ID="st18-201"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="327" VPOS="1571" ID="st18-202"/><SP/><String HEIGHT="24" CONTENT="often" WIDTH="58" HPOS="390" VPOS="1571" ID="st18-203"/><SP/><String HEIGHT="24" CONTENT="considered" WIDTH="116" HPOS="460" VPOS="1571" ID="st18-204"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="589" VPOS="1571" ID="st18-205"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="72" HPOS="670" VPOS="1571" ID="st18-206"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="754" VPOS="1571" ID="st18-207"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl18-51" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="labor" WIDTH="55" HPOS="196" VPOS="1607" ID="st18-208"/><SP/><String HEIGHT="24" CONTENT="protections" WIDTH="119" HPOS="260" VPOS="1607" ID="st18-209"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="389" VPOS="1607" ID="st18-210"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="27" HPOS="420" VPOS="1607" ID="st18-211"/><SP/><String HEIGHT="24" CONTENT="part" WIDTH="43" HPOS="456" VPOS="1607" ID="st18-212"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="509" VPOS="1607" ID="st18-213"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="541" VPOS="1607" ID="st18-214"/><SP/><String HEIGHT="24" CONTENT="problem" WIDTH="83" HPOS="585" VPOS="1607" ID="st18-215"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="668" VPOS="1607" ID="st18-216"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="690" VPOS="1607" ID="st18-217"/><SP/><String HEIGHT="24" CONTENT="there" WIDTH="55" HPOS="740" VPOS="1607" ID="st18-218"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl18-52" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="were" WIDTH="53" HPOS="196" VPOS="1643" ID="st18-219"/><SP/><String HEIGHT="24" CONTENT="attacks" WIDTH="75" HPOS="259" VPOS="1643" ID="st18-220"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="345" VPOS="1643" ID="st18-221"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="384" VPOS="1643" ID="st18-222"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="464" VPOS="1643" ID="st18-223"/><SP/><String HEIGHT="24" CONTENT="rights" WIDTH="60" HPOS="486" VPOS="1643" ID="st18-224"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="557" VPOS="1643" ID="st18-225"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="608" VPOS="1643" ID="st18-226"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="688" VPOS="1643" ID="st18-227"/><SP/><String HEIGHT="24" CONTENT="voice" WIDTH="55" HPOS="710" VPOS="1643" ID="st18-228"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="775" VPOS="1643" ID="st18-229"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl18-53" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Argentina" WIDTH="106" HPOS="196" VPOS="1679" ID="st18-230"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="311" VPOS="1679" ID="st18-231"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="340" VPOS="1679" ID="st18-232"/><SP/><String HEIGHT="24" CONTENT="1990s" WIDTH="65" HPOS="384" VPOS="1679" ID="st18-233"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="459" VPOS="1679" ID="st18-234"/><SP/><String HEIGHT="24" CONTENT="response" WIDTH="94" HPOS="488" VPOS="1679" ID="st18-235"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="591" VPOS="1679" ID="st18-236"/><SP/><String HEIGHT="24" CONTENT="those" WIDTH="59" HPOS="622" VPOS="1679" ID="st18-237"/><SP/><String HEIGHT="24" CONTENT="pressures" WIDTH="94" HPOS="690" VPOS="1679" ID="st18-238"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="784" VPOS="1679" ID="st18-239"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl18-54" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="More" WIDTH="57" HPOS="196" VPOS="1715" ID="st18-240"/><SP/><String HEIGHT="24" CONTENT="recently" WIDTH="77" HPOS="263" VPOS="1715" ID="st18-241"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="340" VPOS="1715" ID="st18-242"/><SP/><String HEIGHT="24" CONTENT="however" WIDTH="84" HPOS="360" VPOS="1715" ID="st18-243"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="444" VPOS="1715" ID="st18-244"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="466" VPOS="1715" ID="st18-245"/><SP/><String HEIGHT="24" CONTENT="country" WIDTH="73" HPOS="510" VPOS="1715" ID="st18-246"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="583" VPOS="1715" ID="st18-247"/><String HEIGHT="24" CONTENT="s" WIDTH="11" HPOS="594" VPOS="1715" ID="st18-248"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="614" VPOS="1715" ID="st18-249"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="678" VPOS="1715" ID="st18-250"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl18-55" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1751" ID="st18-251"/><SP/><String HEIGHT="24" CONTENT="policies" WIDTH="78" HPOS="242" VPOS="1751" ID="st18-252"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="325" VPOS="1751" ID="st18-253"/><SP/><String HEIGHT="24" CONTENT="strengthened" WIDTH="141" HPOS="381" VPOS="1751" ID="st18-254"/><SP/><String HEIGHT="24" CONTENT="considerably" WIDTH="126" HPOS="527" VPOS="1751" ID="st18-255"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="653" VPOS="1751" ID="st18-256"/><SP/><String HEIGHT="24" CONTENT="producing" WIDTH="108" HPOS="669" VPOS="1751" ID="st18-257"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="783" VPOS="1751" ID="st18-258"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl18-56" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="visible" WIDTH="64" HPOS="196" VPOS="1788" ID="st18-259"/><SP/><String HEIGHT="23" CONTENT="correlation" WIDTH="113" HPOS="265" VPOS="1788" ID="st18-260"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="384" VPOS="1788" ID="st18-261"/><SP/><String HEIGHT="23" CONTENT="improved" WIDTH="99" HPOS="436" VPOS="1788" ID="st18-262"/><SP/><String HEIGHT="23" CONTENT="macroeconomic" WIDTH="169" HPOS="540" VPOS="1788" ID="st18-263"/><SP/><String HEIGHT="23" CONTENT="stability" WIDTH="80" HPOS="714" VPOS="1788" ID="st18-264"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl18-57" WIDTH="353" HEIGHT="23"><String HEIGHT="23" CONTENT="(" WIDTH="11" HPOS="196" VPOS="1824" ID="st18-265"/><String HEIGHT="23" CONTENT="Bertranou" WIDTH="102" HPOS="207" VPOS="1824" ID="st18-266"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="316" VPOS="1824" ID="st18-267"/><SP/><String HEIGHT="23" CONTENT="Casanova" WIDTH="97" HPOS="363" VPOS="1824" ID="st18-268"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="460" VPOS="1824" ID="st18-269"/><SP/><String HEIGHT="23" CONTENT="2016" WIDTH="46" HPOS="480" VPOS="1824" ID="st18-270"/><String HEIGHT="23" CONTENT=")" WIDTH="11" HPOS="526" VPOS="1824" ID="st18-271"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="537" VPOS="1824" ID="st18-272"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl18-58" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Argentina" WIDTH="106" HPOS="196" VPOS="1896" ID="st18-273"/><SP/><String HEIGHT="24" CONTENT="faced" WIDTH="58" HPOS="313" VPOS="1896" ID="st18-274"/><SP/><String HEIGHT="24" CONTENT="two" WIDTH="42" HPOS="382" VPOS="1896" ID="st18-275"/><SP/><String HEIGHT="24" CONTENT="major" WIDTH="62" HPOS="434" VPOS="1896" ID="st18-276"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="506" VPOS="1896" ID="st18-277"/><SP/><String HEIGHT="24" CONTENT="crises" WIDTH="54" HPOS="606" VPOS="1896" ID="st18-278"/><String HEIGHT="24" CONTENT=":" WIDTH="10" HPOS="660" VPOS="1896" ID="st18-279"/><SP/><String HEIGHT="24" CONTENT="hyperinfla" WIDTH="104" HPOS="681" VPOS="1896" ID="st18-280" SUBS_TYPE="HypPart1" SUBS_CONTENT="hyperinflation"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1896" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl18-59" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tion" WIDTH="42" HPOS="196" VPOS="1932" ID="st18-281" SUBS_TYPE="HypPart2" SUBS_CONTENT="hyperinflation"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="245" VPOS="1932" ID="st18-282"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="272" VPOS="1932" ID="st18-283"/><SP/><String HEIGHT="24" CONTENT="early" WIDTH="49" HPOS="314" VPOS="1932" ID="st18-284"/><SP/><String HEIGHT="24" CONTENT="1990s" WIDTH="65" HPOS="371" VPOS="1932" ID="st18-285"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="443" VPOS="1932" ID="st18-286"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="490" VPOS="1932" ID="st18-287"/><SP/><String HEIGHT="24" CONTENT="2001" WIDTH="56" HPOS="532" VPOS="1932" ID="st18-288"/><SP/><String HEIGHT="24" CONTENT="currency" WIDTH="90" HPOS="595" VPOS="1932" ID="st18-289"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="48" HPOS="692" VPOS="1932" ID="st18-290"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="740" VPOS="1932" ID="st18-291"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="756" VPOS="1932" ID="st18-292"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl18-60" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="chart" WIDTH="55" HPOS="196" VPOS="1968" ID="st18-293"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="65" HPOS="260" VPOS="1968" ID="st18-294"/><SP/><String HEIGHT="24" CONTENT="identifies" WIDTH="96" HPOS="334" VPOS="1968" ID="st18-295"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="439" VPOS="1968" ID="st18-296"/><SP/><String HEIGHT="24" CONTENT="shift" WIDTH="46" HPOS="483" VPOS="1968" ID="st18-297"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="538" VPOS="1968" ID="st18-298"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="567" VPOS="1968" ID="st18-299"/><SP/><String HEIGHT="24" CONTENT="macroeconomic" WIDTH="169" HPOS="626" VPOS="1968" ID="st18-300"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl18-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="context" WIDTH="80" HPOS="196" VPOS="2004" ID="st18-301"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="288" VPOS="2004" ID="st18-302"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="341" VPOS="2004" ID="st18-303"/><SP/><String HEIGHT="24" CONTENT="prevailing" WIDTH="103" HPOS="388" VPOS="2004" ID="st18-304"/><SP/><String HEIGHT="24" CONTENT="attitude" WIDTH="84" HPOS="503" VPOS="2004" ID="st18-305"/><SP/><String HEIGHT="24" CONTENT="toward" WIDTH="76" HPOS="600" VPOS="2004" ID="st18-306"/><SP/><String HEIGHT="24" CONTENT="organized" WIDTH="106" HPOS="688" VPOS="2004" ID="st18-307"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl18-62" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="labor" WIDTH="55" HPOS="196" VPOS="2040" ID="st18-308"/><SP/><String HEIGHT="24" CONTENT="before" WIDTH="69" HPOS="259" VPOS="2040" ID="st18-309"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="336" VPOS="2040" ID="st18-310"/><SP/><String HEIGHT="24" CONTENT="after" WIDTH="50" HPOS="384" VPOS="2040" ID="st18-311"/><SP/><String HEIGHT="24" CONTENT="2001" WIDTH="50" HPOS="442" VPOS="2040" ID="st18-312"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="492" VPOS="2040" ID="st18-313"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="513" VPOS="2040" ID="st18-314"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="541" VPOS="2040" ID="st18-315"/><SP/><String HEIGHT="24" CONTENT="2000s" WIDTH="60" HPOS="583" VPOS="2040" ID="st18-316"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="643" VPOS="2040" ID="st18-317"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="664" VPOS="2040" ID="st18-318"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="719" VPOS="2040" ID="st18-319"/><SP/><String HEIGHT="24" CONTENT="great" WIDTH="55" HPOS="740" VPOS="2040" ID="st18-320"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl18-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="need" WIDTH="53" HPOS="858" VPOS="1246" ID="st18-321"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="917" VPOS="1246" ID="st18-322"/><SP/><String HEIGHT="24" CONTENT="increase" WIDTH="86" HPOS="945" VPOS="1246" ID="st18-323"/><SP/><String HEIGHT="24" CONTENT="quality" WIDTH="71" HPOS="1037" VPOS="1246" ID="st18-324"/><SP/><String HEIGHT="24" CONTENT="formal" WIDTH="69" HPOS="1114" VPOS="1246" ID="st18-325"/><SP/><String HEIGHT="24" CONTENT="employment" WIDTH="133" HPOS="1190" VPOS="1246" ID="st18-326"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="1329" VPOS="1246" ID="st18-327"/><String HEIGHT="24" CONTENT="as" WIDTH="20" HPOS="1338" VPOS="1246" ID="st18-328"/><SP/><String HEIGHT="24" CONTENT="opposed" WIDTH="92" HPOS="1364" VPOS="1246" ID="st18-329"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl18-64" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="858" VPOS="1282" ID="st18-330"/><SP/><String HEIGHT="24" CONTENT="informal" WIDTH="89" HPOS="886" VPOS="1282" ID="st18-331"/><SP/><String HEIGHT="24" CONTENT="work" WIDTH="48" HPOS="981" VPOS="1282" ID="st18-332"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1029" VPOS="1282" ID="st18-333"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="1048" VPOS="1282" ID="st18-334"/><SP/><String HEIGHT="24" CONTENT="does" WIDTH="50" HPOS="1117" VPOS="1282" ID="st18-335"/><SP/><String HEIGHT="24" CONTENT="not" WIDTH="37" HPOS="1173" VPOS="1282" ID="st18-336"/><SP/><String HEIGHT="24" CONTENT="yield" WIDTH="49" HPOS="1215" VPOS="1282" ID="st18-337"/><SP/><String HEIGHT="24" CONTENT="tax" WIDTH="32" HPOS="1270" VPOS="1282" ID="st18-338"/><SP/><String HEIGHT="24" CONTENT="revenues" WIDTH="86" HPOS="1308" VPOS="1282" ID="st18-339"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1394" VPOS="1282" ID="st18-340"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1405" VPOS="1282" ID="st18-341"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1422" VPOS="1282" ID="st18-342"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl18-65" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="country" WIDTH="80" HPOS="858" VPOS="1318" ID="st18-343"/><SP/><String HEIGHT="24" CONTENT="revitalized" WIDTH="106" HPOS="944" VPOS="1318" ID="st18-344"/><String HEIGHT="24" CONTENT="»" WIDTH="10" HPOS="1056" VPOS="1318" ID="st18-345"/><String HEIGHT="24" CONTENT="institutions" WIDTH="121" HPOS="1066" VPOS="1318" ID="st18-346"/><SP/><String HEIGHT="24" CONTENT="involved" WIDTH="88" HPOS="1192" VPOS="1318" ID="st18-347"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1285" VPOS="1318" ID="st18-348"/><SP/><String HEIGHT="24" CONTENT="setting" WIDTH="73" HPOS="1310" VPOS="1318" ID="st18-349"/><SP/><String HEIGHT="24" CONTENT="wages" WIDTH="68" HPOS="1388" VPOS="1318" ID="st18-350"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl18-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1354" ID="st18-351"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="904" VPOS="1354" ID="st18-352"/><SP/><String HEIGHT="24" CONTENT="administration" WIDTH="152" HPOS="946" VPOS="1354" ID="st18-353"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1105" VPOS="1354" ID="st18-354"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="56" HPOS="1133" VPOS="1354" ID="st18-355"/><String HEIGHT="24" CONTENT="«" WIDTH="12" HPOS="1189" VPOS="1354" ID="st18-356"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1208" VPOS="1354" ID="st18-357"/><SP/><String HEIGHT="24" CONTENT="strengthened" WIDTH="142" HPOS="1254" VPOS="1354" ID="st18-358"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="1402" VPOS="1354" ID="st18-359"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl18-67" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="laws" WIDTH="47" HPOS="858" VPOS="1390" ID="st18-360"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="918" VPOS="1390" ID="st18-361"/><SP/><String HEIGHT="24" CONTENT="policies" WIDTH="79" HPOS="971" VPOS="1390" ID="st18-362"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1063" VPOS="1390" ID="st18-363"/><SP/><String HEIGHT="24" CONTENT="areas" WIDTH="56" HPOS="1095" VPOS="1390" ID="st18-364"/><SP/><String HEIGHT="24" CONTENT="including" WIDTH="98" HPOS="1163" VPOS="1390" ID="st18-365"/><SP/><String HEIGHT="24" CONTENT="job" WIDTH="34" HPOS="1274" VPOS="1390" ID="st18-366"/><SP/><String HEIGHT="24" CONTENT="training" WIDTH="82" HPOS="1321" VPOS="1390" ID="st18-367"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1390" ID="st18-368"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl18-68" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="educational" WIDTH="123" HPOS="858" VPOS="1426" ID="st18-369"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="77" HPOS="989" VPOS="1426" ID="st18-370"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1066" VPOS="1426" ID="st18-371"/><SP/><String HEIGHT="24" CONTENT="health" WIDTH="67" HPOS="1085" VPOS="1426" ID="st18-372"/><SP/><String HEIGHT="24" CONTENT="care" WIDTH="44" HPOS="1159" VPOS="1426" ID="st18-373"/><SP/><String HEIGHT="24" CONTENT="benefits" WIDTH="80" HPOS="1211" VPOS="1426" ID="st18-374"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1291" VPOS="1426" ID="st18-375"/><SP/><String HEIGHT="24" CONTENT="social" WIDTH="58" HPOS="1310" VPOS="1426" ID="st18-376"/><SP/><String HEIGHT="24" CONTENT="security" WIDTH="80" HPOS="1376" VPOS="1426" ID="st18-377"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl18-69" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="support" WIDTH="77" HPOS="858" VPOS="1463" ID="st18-378"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="935" VPOS="1463" ID="st18-379"/><SP/><String HEIGHT="23" CONTENT="payroll" WIDTH="70" HPOS="954" VPOS="1463" ID="st18-380"/><SP/><String HEIGHT="23" CONTENT="subsidies" WIDTH="90" HPOS="1032" VPOS="1463" ID="st18-381"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1122" VPOS="1463" ID="st18-382"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1140" VPOS="1463" ID="st18-383"/><SP/><String HEIGHT="23" CONTENT="child" WIDTH="50" HPOS="1188" VPOS="1463" ID="st18-384"/><SP/><String HEIGHT="23" CONTENT="care" WIDTH="44" HPOS="1245" VPOS="1463" ID="st18-385"/><String HEIGHT="23" CONTENT="(" WIDTH="11" HPOS="1296" VPOS="1463" ID="st18-386"/><String HEIGHT="23" CONTENT="Bertranou" WIDTH="102" HPOS="1307" VPOS="1463" ID="st18-387"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1463" ID="st18-388"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl18-70" WIDTH="186" HEIGHT="23"><String HEIGHT="23" CONTENT="Casanova" WIDTH="97" HPOS="858" VPOS="1499" ID="st18-389"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="955" VPOS="1499" ID="st18-390"/><SP/><String HEIGHT="23" CONTENT="2016" WIDTH="46" HPOS="974" VPOS="1499" ID="st18-391"/><String HEIGHT="23" CONTENT=")" WIDTH="12" HPOS="1020" VPOS="1499" ID="st18-392"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1032" VPOS="1499" ID="st18-393"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl18-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="This" WIDTH="41" HPOS="858" VPOS="1571" ID="st18-394"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="89" HPOS="906" VPOS="1571" ID="st18-395"/><SP/><String HEIGHT="24" CONTENT="offers" WIDTH="61" HPOS="1001" VPOS="1571" ID="st18-396"/><SP/><String HEIGHT="24" CONTENT="important" WIDTH="105" HPOS="1069" VPOS="1571" ID="st18-397"/><SP/><String HEIGHT="24" CONTENT="insight" WIDTH="71" HPOS="1181" VPOS="1571" ID="st18-398"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="42" HPOS="1258" VPOS="1571" ID="st18-399"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1306" VPOS="1571" ID="st18-400"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="1348" VPOS="1571" ID="st18-401"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1394" VPOS="1571" ID="st18-402"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1444" VPOS="1571" ID="st18-403"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl18-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="strong" WIDTH="67" HPOS="858" VPOS="1607" ID="st18-404"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="932" VPOS="1607" ID="st18-405"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="992" VPOS="1607" ID="st18-406"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="1062" VPOS="1607" ID="st18-407"/><SP/><String HEIGHT="24" CONTENT="play" WIDTH="43" HPOS="1106" VPOS="1607" ID="st18-408"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1156" VPOS="1607" ID="st18-409"/><SP/><String HEIGHT="24" CONTENT="supporting" WIDTH="116" HPOS="1181" VPOS="1607" ID="st18-410"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1303" VPOS="1607" ID="st18-411"/><SP/><String HEIGHT="24" CONTENT="macroeco" WIDTH="100" HPOS="1344" VPOS="1607" ID="st18-412" SUBS_TYPE="HypPart1" SUBS_CONTENT="macroeconomic"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1607" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl18-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="nomic" WIDTH="65" HPOS="858" VPOS="1643" ID="st18-413" SUBS_TYPE="HypPart2" SUBS_CONTENT="macroeconomic"/><SP/><String HEIGHT="24" CONTENT="health" WIDTH="66" HPOS="930" VPOS="1643" ID="st18-414"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1003" VPOS="1643" ID="st18-415"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1032" VPOS="1643" ID="st18-416"/><SP/><String HEIGHT="24" CONTENT="country" WIDTH="75" HPOS="1051" VPOS="1643" ID="st18-417"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1126" VPOS="1643" ID="st18-418"/><SP/><String HEIGHT="24" CONTENT="When" WIDTH="64" HPOS="1143" VPOS="1643" ID="st18-419"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1214" VPOS="1643" ID="st18-420"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="66" HPOS="1255" VPOS="1643" ID="st18-421"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1327" VPOS="1643" ID="st18-422"/><SP/><String HEIGHT="24" CONTENT="cri" WIDTH="25" HPOS="1423" VPOS="1643" ID="st18-423" SUBS_TYPE="HypPart1" SUBS_CONTENT="crisis"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="1643" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl18-74" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="sis" WIDTH="25" HPOS="858" VPOS="1679" ID="st18-424" SUBS_TYPE="HypPart2" SUBS_CONTENT="crisis"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="891" VPOS="1679" ID="st18-425"/><SP/><String HEIGHT="24" CONTENT="2008–2009" WIDTH="123" HPOS="921" VPOS="1679" ID="st18-426"/><SP/><String HEIGHT="24" CONTENT="came" WIDTH="51" HPOS="1052" VPOS="1679" ID="st18-427"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1103" VPOS="1679" ID="st18-428"/><SP/><String HEIGHT="24" CONTENT="Argentina" WIDTH="106" HPOS="1124" VPOS="1679" ID="st18-429"/><SP/><String HEIGHT="24" CONTENT="withstood" WIDTH="107" HPOS="1238" VPOS="1679" ID="st18-430"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1353" VPOS="1679" ID="st18-431"/><SP/><String HEIGHT="24" CONTENT="shock" WIDTH="61" HPOS="1395" VPOS="1679" ID="st18-432"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl18-75" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="far" WIDTH="29" HPOS="858" VPOS="1715" ID="st18-433"/><SP/><String HEIGHT="24" CONTENT="better" WIDTH="64" HPOS="894" VPOS="1715" ID="st18-434"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="48" HPOS="966" VPOS="1715" ID="st18-435"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="13" HPOS="1022" VPOS="1715" ID="st18-436"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="40" HPOS="1043" VPOS="1715" ID="st18-437"/><SP/><String HEIGHT="24" CONTENT="during" WIDTH="69" HPOS="1091" VPOS="1715" ID="st18-438"/><SP/><String HEIGHT="24" CONTENT="either" WIDTH="61" HPOS="1167" VPOS="1715" ID="st18-439"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1236" VPOS="1715" ID="st18-440"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="1265" VPOS="1715" ID="st18-441"/><SP/><String HEIGHT="24" CONTENT="previous" WIDTH="89" HPOS="1296" VPOS="1715" ID="st18-442"/><SP/><String HEIGHT="24" CONTENT="crises" WIDTH="54" HPOS="1392" VPOS="1715" ID="st18-443"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1446" VPOS="1715" ID="st18-444"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl18-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="It" WIDTH="14" HPOS="858" VPOS="1751" ID="st18-445"/><SP/><String HEIGHT="24" CONTENT="sustained" WIDTH="100" HPOS="884" VPOS="1751" ID="st18-446"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="996" VPOS="1751" ID="st18-447"/><SP/><String HEIGHT="24" CONTENT="positive" WIDTH="81" HPOS="1021" VPOS="1751" ID="st18-448"/><SP/><String HEIGHT="24" CONTENT="GDP" WIDTH="48" HPOS="1114" VPOS="1751" ID="st18-449"/><SP/><String HEIGHT="24" CONTENT="throughout" WIDTH="122" HPOS="1174" VPOS="1751" ID="st18-450"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1308" VPOS="1751" ID="st18-451"/><SP/><String HEIGHT="24" CONTENT="following" WIDTH="101" HPOS="1355" VPOS="1751" ID="st18-452"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl18-77" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="years" WIDTH="65" HPOS="858" VPOS="1788" ID="st18-453"/><String HEIGHT="23" CONTENT="—" WIDTH="13" HPOS="923" VPOS="1788" ID="st18-454"/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="936" VPOS="1788" ID="st18-455"/><SP/><String HEIGHT="23" CONTENT="stark" WIDTH="52" HPOS="956" VPOS="1788" ID="st18-456"/><SP/><String HEIGHT="23" CONTENT="contrast" WIDTH="86" HPOS="1015" VPOS="1788" ID="st18-457"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1108" VPOS="1788" ID="st18-458"/><SP/><String HEIGHT="23" CONTENT="1995" WIDTH="50" HPOS="1137" VPOS="1788" ID="st18-459"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1187" VPOS="1788" ID="st18-460"/><SP/><String HEIGHT="23" CONTENT="1999" WIDTH="50" HPOS="1207" VPOS="1788" ID="st18-461"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1257" VPOS="1788" ID="st18-462"/><SP/><String HEIGHT="23" CONTENT="2000" WIDTH="49" HPOS="1277" VPOS="1788" ID="st18-463"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1326" VPOS="1788" ID="st18-464"/><SP/><String HEIGHT="23" CONTENT="2001" WIDTH="50" HPOS="1346" VPOS="1788" ID="st18-465"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="1396" VPOS="1788" ID="st18-466"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1788" ID="st18-467"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl18-78" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="2002" WIDTH="49" HPOS="858" VPOS="1824" ID="st18-468"/><String HEIGHT="23" CONTENT="," WIDTH="13" HPOS="907" VPOS="1824" ID="st18-469"/><SP/><String HEIGHT="23" CONTENT="when" WIDTH="59" HPOS="927" VPOS="1824" ID="st18-470"/><SP/><String HEIGHT="23" CONTENT="GDP" WIDTH="47" HPOS="993" VPOS="1824" ID="st18-471"/><SP/><String HEIGHT="23" CONTENT="dropped" WIDTH="90" HPOS="1046" VPOS="1824" ID="st18-472"/><SP/><String HEIGHT="23" CONTENT="deeply" WIDTH="69" HPOS="1143" VPOS="1824" ID="st18-473"/><SP/><String HEIGHT="23" CONTENT="into" WIDTH="42" HPOS="1218" VPOS="1824" ID="st18-474"/><SP/><String HEIGHT="23" CONTENT="negative" WIDTH="90" HPOS="1267" VPOS="1824" ID="st18-475"/><SP/><String HEIGHT="23" CONTENT="numbers" WIDTH="93" HPOS="1363" VPOS="1824" ID="st18-476"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl18-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="(" WIDTH="11" HPOS="858" VPOS="1860" ID="st18-477"/><String HEIGHT="24" CONTENT="Bertranou" WIDTH="101" HPOS="869" VPOS="1860" ID="st18-478"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="977" VPOS="1860" ID="st18-479"/><SP/><String HEIGHT="24" CONTENT="Casanova" WIDTH="97" HPOS="1024" VPOS="1860" ID="st18-480"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1121" VPOS="1860" ID="st18-481"/><SP/><String HEIGHT="24" CONTENT="2016" WIDTH="46" HPOS="1140" VPOS="1860" ID="st18-482"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="1186" VPOS="1860" ID="st18-483"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1198" VPOS="1860" ID="st18-484"/><SP/><String HEIGHT="24" CONTENT="Giving" WIDTH="68" HPOS="1217" VPOS="1860" ID="st18-485"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1291" VPOS="1860" ID="st18-486"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1383" VPOS="1860" ID="st18-487"/><SP/><String HEIGHT="24" CONTENT="voice" WIDTH="54" HPOS="1402" VPOS="1860" ID="st18-488"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl18-80" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="through" WIDTH="85" HPOS="858" VPOS="1896" ID="st18-489"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="954" VPOS="1896" ID="st18-490"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="1012" VPOS="1896" ID="st18-491"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="41" HPOS="1094" VPOS="1896" ID="st18-492"/><SP/><String HEIGHT="24" CONTENT="probably" WIDTH="93" HPOS="1145" VPOS="1896" ID="st18-493"/><SP/><String HEIGHT="24" CONTENT="helped" WIDTH="72" HPOS="1248" VPOS="1896" ID="st18-494"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1331" VPOS="1896" ID="st18-495"/><SP/><String HEIGHT="24" CONTENT="country" WIDTH="80" HPOS="1376" VPOS="1896" ID="st18-496"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl18-81" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="858" VPOS="1932" ID="st18-497"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="950" VPOS="1932" ID="st18-498"/><SP/><String HEIGHT="24" CONTENT="sound" WIDTH="65" HPOS="1015" VPOS="1932" ID="st18-499"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1090" VPOS="1932" ID="st18-500"/><SP/><String HEIGHT="24" CONTENT="policy" WIDTH="61" HPOS="1189" VPOS="1932" ID="st18-501"/><SP/><String HEIGHT="24" CONTENT="than" WIDTH="48" HPOS="1260" VPOS="1932" ID="st18-502"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="1318" VPOS="1932" ID="st18-503"/><SP/><String HEIGHT="24" CONTENT="had" WIDTH="40" HPOS="1342" VPOS="1932" ID="st18-504"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1392" VPOS="1932" ID="st18-505"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="1932" ID="st18-506"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl18-82" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="past" WIDTH="40" HPOS="858" VPOS="1968" ID="st18-507"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="898" VPOS="1968" ID="st18-508"/><SP/><String HEIGHT="24" CONTENT="making" WIDTH="79" HPOS="916" VPOS="1968" ID="st18-509"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1001" VPOS="1968" ID="st18-510"/><SP/><String HEIGHT="24" CONTENT="country" WIDTH="80" HPOS="1043" VPOS="1968" ID="st18-511"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1130" VPOS="1968" ID="st18-512"/><SP/><String HEIGHT="24" CONTENT="stable" WIDTH="63" HPOS="1191" VPOS="1968" ID="st18-513"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1261" VPOS="1968" ID="st18-514"/><SP/><String HEIGHT="24" CONTENT="resilient" WIDTH="82" HPOS="1307" VPOS="1968" ID="st18-515"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1395" VPOS="1968" ID="st18-516"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="1968" ID="st18-517"/></TextLine><TextLine HPOS="858" VPOS="2004" ID="tl18-83" WIDTH="495" HEIGHT="24"><String HEIGHT="24" CONTENT="face" WIDTH="44" HPOS="858" VPOS="2004" ID="st18-518"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="909" VPOS="2004" ID="st18-519"/><SP/><String HEIGHT="24" CONTENT="internal" WIDTH="81" HPOS="938" VPOS="2004" ID="st18-520"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1026" VPOS="2004" ID="st18-521"/><SP/><String HEIGHT="24" CONTENT="external" WIDTH="85" HPOS="1074" VPOS="2004" ID="st18-522"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="102" HPOS="1166" VPOS="2004" ID="st18-523"/><SP/><String HEIGHT="24" CONTENT="shocks" WIDTH="66" HPOS="1275" VPOS="2004" ID="st18-524"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1341" VPOS="2004" ID="st18-525"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl18-84" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="17" WIDTH="32" HPOS="810" VPOS="2254" ID="st18-526"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="19" ID="p840458" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840458" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840458" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl19-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st19-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st19-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st19-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st19-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st19-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st19-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st19-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st19-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st19-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st19-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st19-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st19-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st19-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st19-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st19-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st19-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st19-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st19-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st19-18"/></TextLine><TextLine HPOS="196" VPOS="305" ID="tl19-1" WIDTH="1120" HEIGHT="26"><String HEIGHT="26" CONTENT="Figure" WIDTH="73" HPOS="196" VPOS="305" ID="st19-19"/><SP/><String HEIGHT="26" CONTENT="5" WIDTH="11" HPOS="277" VPOS="305" ID="st19-20"/><String HEIGHT="26" CONTENT="." WIDTH="12" HPOS="288" VPOS="305" ID="st19-21"/><SP/><String HEIGHT="26" CONTENT="Employment" WIDTH="149" HPOS="307" VPOS="305" ID="st19-22"/><SP/><String HEIGHT="26" CONTENT="Policy" WIDTH="63" HPOS="463" VPOS="305" ID="st19-23"/><String HEIGHT="26" CONTENT=":" WIDTH="11" HPOS="526" VPOS="305" ID="st19-24"/><SP/><String HEIGHT="26" CONTENT="Two" WIDTH="49" HPOS="545" VPOS="305" ID="st19-25"/><SP/><String HEIGHT="26" CONTENT="Contrasting" WIDTH="138" HPOS="601" VPOS="305" ID="st19-26"/><SP/><String HEIGHT="26" CONTENT="Periods" WIDTH="85" HPOS="746" VPOS="305" ID="st19-27"/><SP/><String HEIGHT="26" CONTENT="Before" WIDTH="77" HPOS="839" VPOS="305" ID="st19-28"/><SP/><String HEIGHT="26" CONTENT="and" WIDTH="45" HPOS="924" VPOS="305" ID="st19-29"/><SP/><String HEIGHT="26" CONTENT="After" WIDTH="60" HPOS="976" VPOS="305" ID="st19-30"/><SP/><String HEIGHT="26" CONTENT="Argentina" WIDTH="110" HPOS="1044" VPOS="305" ID="st19-31"/><String HEIGHT="26" CONTENT="’" WIDTH="12" HPOS="1154" VPOS="305" ID="st19-32"/><String HEIGHT="26" CONTENT="s" WIDTH="13" HPOS="1166" VPOS="305" ID="st19-33"/><SP/><String HEIGHT="26" CONTENT="2001" WIDTH="62" HPOS="1186" VPOS="305" ID="st19-34"/><SP/><String HEIGHT="26" CONTENT="Crisis" WIDTH="60" HPOS="1256" VPOS="305" ID="st19-35"/></TextLine><TextLine HPOS="208" VPOS="374" ID="tl19-2" WIDTH="104" HEIGHT="21"><String HEIGHT="21" CONTENT="The" WIDTH="38" HPOS="208" VPOS="374" ID="st19-36"/><SP/><String HEIGHT="21" CONTENT="1990s" WIDTH="59" HPOS="253" VPOS="374" ID="st19-37"/></TextLine><TextLine HPOS="208" VPOS="416" ID="tl19-3" WIDTH="573" HEIGHT="21"><String HEIGHT="21" CONTENT="Predominance" WIDTH="134" HPOS="208" VPOS="416" ID="st19-38"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="19" HPOS="349" VPOS="416" ID="st19-39"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="374" VPOS="416" ID="st19-40"/><SP/><String HEIGHT="21" CONTENT="Washington" WIDTH="115" HPOS="411" VPOS="416" ID="st19-41"/><SP/><String HEIGHT="21" CONTENT="Consensus" WIDTH="101" HPOS="532" VPOS="416" ID="st19-42"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="639" VPOS="416" ID="st19-43"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="30" HPOS="663" VPOS="416" ID="st19-44"/><SP/><String HEIGHT="21" CONTENT="develop" WIDTH="71" HPOS="700" VPOS="416" ID="st19-45" SUBS_TYPE="HypPart1" SUBS_CONTENT="development"/><HYP CONTENT="-" WIDTH="10" HPOS="771" VPOS="416" HEIGHT="21"/></TextLine><TextLine HPOS="208" VPOS="444" ID="tl19-4" WIDTH="199" HEIGHT="21"><String HEIGHT="21" CONTENT="ment" WIDTH="50" HPOS="208" VPOS="444" ID="st19-46" SUBS_TYPE="HypPart2" SUBS_CONTENT="development"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="19" HPOS="264" VPOS="444" ID="st19-47"/><SP/><String HEIGHT="21" CONTENT="public" WIDTH="56" HPOS="290" VPOS="444" ID="st19-48"/><SP/><String HEIGHT="21" CONTENT="policy" WIDTH="54" HPOS="353" VPOS="444" ID="st19-49"/></TextLine><TextLine HPOS="208" VPOS="487" ID="tl19-5" WIDTH="204" HEIGHT="21"><String HEIGHT="21" CONTENT="Structural" WIDTH="91" HPOS="208" VPOS="487" ID="st19-50"/><SP/><String HEIGHT="21" CONTENT="adjustment" WIDTH="106" HPOS="306" VPOS="487" ID="st19-51"/></TextLine><TextLine HPOS="208" VPOS="529" ID="tl19-6" WIDTH="569" HEIGHT="21"><String HEIGHT="21" CONTENT="Fixed" WIDTH="48" HPOS="208" VPOS="529" ID="st19-52"/><SP/><String HEIGHT="21" CONTENT="exchange" WIDTH="91" HPOS="262" VPOS="529" ID="st19-53"/><SP/><String HEIGHT="21" CONTENT="rate" WIDTH="37" HPOS="359" VPOS="529" ID="st19-54"/><String HEIGHT="21" CONTENT="—" WIDTH="10" HPOS="396" VPOS="529" ID="st19-55"/><String HEIGHT="21" CONTENT="convertibility" WIDTH="132" HPOS="406" VPOS="529" ID="st19-56"/><SP/><String HEIGHT="21" CONTENT="with" WIDTH="42" HPOS="544" VPOS="529" ID="st19-57"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="592" VPOS="529" ID="st19-58"/><SP/><String HEIGHT="21" CONTENT="peso" WIDTH="45" HPOS="629" VPOS="529" ID="st19-59"/><SP/><String HEIGHT="21" CONTENT="pegged" WIDTH="71" HPOS="680" VPOS="529" ID="st19-60"/><SP/><String HEIGHT="21" CONTENT="to" WIDTH="19" HPOS="758" VPOS="529" ID="st19-61"/></TextLine><TextLine HPOS="208" VPOS="557" ID="tl19-7" WIDTH="229" HEIGHT="21"><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="208" VPOS="557" ID="st19-62"/><SP/><String HEIGHT="21" CONTENT="dollar" WIDTH="48" HPOS="245" VPOS="557" ID="st19-63"/><String HEIGHT="21" CONTENT="," WIDTH="9" HPOS="293" VPOS="557" ID="st19-64"/><SP/><String HEIGHT="21" CONTENT="growing" WIDTH="78" HPOS="309" VPOS="557" ID="st19-65"/><SP/><String HEIGHT="21" CONTENT="debt" WIDTH="44" HPOS="393" VPOS="557" ID="st19-66"/></TextLine><TextLine HPOS="208" VPOS="600" ID="tl19-8" WIDTH="124" HEIGHT="21"><String HEIGHT="21" CONTENT="Privatizations" WIDTH="124" HPOS="208" VPOS="600" ID="st19-67"/></TextLine><TextLine HPOS="208" VPOS="642" ID="tl19-9" WIDTH="122" HEIGHT="21"><String HEIGHT="21" CONTENT="Deregulation" WIDTH="122" HPOS="208" VPOS="642" ID="st19-68"/></TextLine><TextLine HPOS="208" VPOS="713" ID="tl19-10" WIDTH="362" HEIGHT="21"><String HEIGHT="21" CONTENT="Growth" WIDTH="73" HPOS="208" VPOS="713" ID="st19-69"/><SP/><String HEIGHT="21" CONTENT="with" WIDTH="42" HPOS="287" VPOS="713" ID="st19-70"/><SP/><String HEIGHT="21" CONTENT="low" WIDTH="35" HPOS="335" VPOS="713" ID="st19-71"/><SP/><String HEIGHT="21" CONTENT="levels" WIDTH="50" HPOS="376" VPOS="713" ID="st19-72"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="432" VPOS="713" ID="st19-73"/><SP/><String HEIGHT="21" CONTENT="job" WIDTH="30" HPOS="458" VPOS="713" ID="st19-74"/><SP/><String HEIGHT="21" CONTENT="creation" WIDTH="76" HPOS="494" VPOS="713" ID="st19-75"/></TextLine><TextLine HPOS="208" VPOS="755" ID="tl19-11" WIDTH="316" HEIGHT="22"><String HEIGHT="22" CONTENT="Flexibilization" WIDTH="126" HPOS="208" VPOS="755" ID="st19-76"/><SP/><String HEIGHT="22" CONTENT="of" WIDTH="20" HPOS="340" VPOS="755" ID="st19-77"/><SP/><String HEIGHT="22" CONTENT="the" WIDTH="31" HPOS="366" VPOS="755" ID="st19-78"/><SP/><String HEIGHT="22" CONTENT="labor" WIDTH="48" HPOS="403" VPOS="755" ID="st19-79"/><SP/><String HEIGHT="22" CONTENT="market" WIDTH="66" HPOS="458" VPOS="755" ID="st19-80"/></TextLine><TextLine HPOS="208" VPOS="798" ID="tl19-12" WIDTH="341" HEIGHT="21"><String HEIGHT="21" CONTENT="Compensatory" WIDTH="138" HPOS="208" VPOS="798" ID="st19-81"/><SP/><String HEIGHT="21" CONTENT="labor" WIDTH="48" HPOS="353" VPOS="798" ID="st19-82"/><SP/><String HEIGHT="21" CONTENT="market" WIDTH="67" HPOS="407" VPOS="798" ID="st19-83"/><SP/><String HEIGHT="21" CONTENT="policies" WIDTH="69" HPOS="480" VPOS="798" ID="st19-84"/></TextLine><TextLine HPOS="208" VPOS="841" ID="tl19-13" WIDTH="449" HEIGHT="21"><String HEIGHT="21" CONTENT="Increase" WIDTH="76" HPOS="208" VPOS="841" ID="st19-85"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="18" HPOS="290" VPOS="841" ID="st19-86"/><SP/><String HEIGHT="21" CONTENT="informal" WIDTH="79" HPOS="314" VPOS="841" ID="st19-87"/><SP/><String HEIGHT="21" CONTENT="employment" WIDTH="119" HPOS="399" VPOS="841" ID="st19-88"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="524" VPOS="841" ID="st19-89"/><SP/><String HEIGHT="21" CONTENT="inequality" WIDTH="91" HPOS="566" VPOS="841" ID="st19-90"/></TextLine><TextLine HPOS="196" VPOS="897" ID="tl19-14" WIDTH="559" HEIGHT="21"><String HEIGHT="21" CONTENT="Source" WIDTH="60" HPOS="196" VPOS="897" ID="st19-91"/><String HEIGHT="21" CONTENT=":" WIDTH="10" HPOS="256" VPOS="897" ID="st19-92"/><SP/><String HEIGHT="21" CONTENT="Bertranou" WIDTH="90" HPOS="273" VPOS="897" ID="st19-93"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="363" VPOS="897" ID="st19-94"/><SP/><String HEIGHT="21" CONTENT="Casanova" WIDTH="86" HPOS="379" VPOS="897" ID="st19-95"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="465" VPOS="897" ID="st19-96"/><SP/><String HEIGHT="21" CONTENT="Jimenez" WIDTH="76" HPOS="482" VPOS="897" ID="st19-97"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="564" VPOS="897" ID="st19-98"/><SP/><String HEIGHT="21" CONTENT="Jimenez" WIDTH="75" HPOS="606" VPOS="897" ID="st19-99"/><String HEIGHT="21" CONTENT="(" WIDTH="9" HPOS="687" VPOS="897" ID="st19-100"/><String HEIGHT="21" CONTENT="2013" WIDTH="39" HPOS="696" VPOS="897" ID="st19-101"/><String HEIGHT="21" CONTENT=")" WIDTH="10" HPOS="735" VPOS="897" ID="st19-102"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="745" VPOS="897" ID="st19-103"/></TextLine><TextLine HPOS="850" VPOS="374" ID="tl19-15" WIDTH="104" HEIGHT="21"><String HEIGHT="21" CONTENT="The" WIDTH="38" HPOS="850" VPOS="374" ID="st19-104"/><SP/><String HEIGHT="21" CONTENT="2000s" WIDTH="60" HPOS="894" VPOS="374" ID="st19-105"/></TextLine><TextLine HPOS="850" VPOS="416" ID="tl19-16" WIDTH="224" HEIGHT="21"><String HEIGHT="21" CONTENT="High" WIDTH="44" HPOS="850" VPOS="416" ID="st19-106"/><SP/><String HEIGHT="21" CONTENT="real" WIDTH="34" HPOS="901" VPOS="416" ID="st19-107"/><SP/><String HEIGHT="21" CONTENT="exchange" WIDTH="90" HPOS="941" VPOS="416" ID="st19-108"/><SP/><String HEIGHT="21" CONTENT="rate" WIDTH="37" HPOS="1037" VPOS="416" ID="st19-109"/></TextLine><TextLine HPOS="850" VPOS="487" ID="tl19-17" WIDTH="245" HEIGHT="21"><String HEIGHT="21" CONTENT="Increased" WIDTH="88" HPOS="850" VPOS="487" ID="st19-110"/><SP/><String HEIGHT="21" CONTENT="competitiveness" WIDTH="150" HPOS="945" VPOS="487" ID="st19-111"/></TextLine><TextLine HPOS="850" VPOS="529" ID="tl19-18" WIDTH="361" HEIGHT="21"><String HEIGHT="21" CONTENT="Growth" WIDTH="72" HPOS="850" VPOS="529" ID="st19-112"/><SP/><String HEIGHT="21" CONTENT="with" WIDTH="41" HPOS="929" VPOS="529" ID="st19-113"/><SP/><String HEIGHT="21" CONTENT="high" WIDTH="42" HPOS="977" VPOS="529" ID="st19-114"/><SP/><String HEIGHT="21" CONTENT="level" WIDTH="42" HPOS="1025" VPOS="529" ID="st19-115"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="1073" VPOS="529" ID="st19-116"/><SP/><String HEIGHT="21" CONTENT="job" WIDTH="30" HPOS="1099" VPOS="529" ID="st19-117"/><SP/><String HEIGHT="21" CONTENT="creation" WIDTH="76" HPOS="1135" VPOS="529" ID="st19-118"/></TextLine><TextLine HPOS="850" VPOS="600" ID="tl19-19" WIDTH="292" HEIGHT="21"><String HEIGHT="21" CONTENT="Increase" WIDTH="76" HPOS="850" VPOS="600" ID="st19-119"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="932" VPOS="600" ID="st19-120"/><SP/><String HEIGHT="21" CONTENT="formal" WIDTH="61" HPOS="956" VPOS="600" ID="st19-121"/><SP/><String HEIGHT="21" CONTENT="employment" WIDTH="118" HPOS="1024" VPOS="600" ID="st19-122"/></TextLine><TextLine HPOS="850" VPOS="642" ID="tl19-20" WIDTH="567" HEIGHT="21"><String HEIGHT="21" CONTENT="Central" WIDTH="69" HPOS="850" VPOS="642" ID="st19-123"/><SP/><String HEIGHT="21" CONTENT="role" WIDTH="36" HPOS="925" VPOS="642" ID="st19-124"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="967" VPOS="642" ID="st19-125"/><SP/><String HEIGHT="21" CONTENT="labor" WIDTH="48" HPOS="993" VPOS="642" ID="st19-126"/><SP/><String HEIGHT="21" CONTENT="institutions" WIDTH="101" HPOS="1047" VPOS="642" ID="st19-127"/><String HEIGHT="21" CONTENT=":" WIDTH="9" HPOS="1148" VPOS="642" ID="st19-128"/><SP/><String HEIGHT="21" CONTENT="collective" WIDTH="86" HPOS="1163" VPOS="642" ID="st19-129"/><SP/><String HEIGHT="21" CONTENT="bargaining" WIDTH="97" HPOS="1256" VPOS="642" ID="st19-130"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="1353" VPOS="642" ID="st19-131"/><SP/><String HEIGHT="21" CONTENT="mini" WIDTH="39" HPOS="1369" VPOS="642" ID="st19-132" SUBS_TYPE="HypPart1" SUBS_CONTENT="minimum"/><HYP CONTENT="-" WIDTH="9" HPOS="1408" VPOS="642" HEIGHT="21"/></TextLine><TextLine HPOS="850" VPOS="670" ID="tl19-21" WIDTH="320" HEIGHT="21"><String HEIGHT="21" CONTENT="mum" WIDTH="49" HPOS="850" VPOS="670" ID="st19-133" SUBS_TYPE="HypPart2" SUBS_CONTENT="minimum"/><SP/><String HEIGHT="21" CONTENT="wage" WIDTH="46" HPOS="905" VPOS="670" ID="st19-134"/><String HEIGHT="21" CONTENT="," WIDTH="12" HPOS="951" VPOS="670" ID="st19-135"/><SP/><String HEIGHT="21" CONTENT="workplace" WIDTH="97" HPOS="970" VPOS="670" ID="st19-136"/><SP/><String HEIGHT="21" CONTENT="inspection" WIDTH="97" HPOS="1073" VPOS="670" ID="st19-137"/></TextLine><TextLine HPOS="850" VPOS="713" ID="tl19-22" WIDTH="537" HEIGHT="21"><String HEIGHT="21" CONTENT="Development" WIDTH="126" HPOS="850" VPOS="713" ID="st19-138"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="982" VPOS="713" ID="st19-139"/><SP/><String HEIGHT="21" CONTENT="a" WIDTH="11" HPOS="1008" VPOS="713" ID="st19-140"/><SP/><String HEIGHT="21" CONTENT="network" WIDTH="79" HPOS="1025" VPOS="713" ID="st19-141"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="1110" VPOS="713" ID="st19-142"/><SP/><String HEIGHT="21" CONTENT="public" WIDTH="57" HPOS="1136" VPOS="713" ID="st19-143"/><SP/><String HEIGHT="21" CONTENT="employment" WIDTH="119" HPOS="1199" VPOS="713" ID="st19-144"/><SP/><String HEIGHT="21" CONTENT="unions" WIDTH="63" HPOS="1324" VPOS="713" ID="st19-145"/></TextLine><TextLine HPOS="850" VPOS="755" ID="tl19-23" WIDTH="167" HEIGHT="22"><String HEIGHT="22" CONTENT="Drop" WIDTH="46" HPOS="850" VPOS="755" ID="st19-146"/><SP/><String HEIGHT="22" CONTENT="in" WIDTH="17" HPOS="903" VPOS="755" ID="st19-147"/><SP/><String HEIGHT="22" CONTENT="inequality" WIDTH="91" HPOS="926" VPOS="755" ID="st19-148"/></TextLine><TextLine HPOS="850" VPOS="798" ID="tl19-24" WIDTH="367" HEIGHT="21"><String HEIGHT="21" CONTENT="Substantial" WIDTH="104" HPOS="850" VPOS="798" ID="st19-149"/><SP/><String HEIGHT="21" CONTENT="increase" WIDTH="76" HPOS="960" VPOS="798" ID="st19-150"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="1042" VPOS="798" ID="st19-151"/><SP/><String HEIGHT="21" CONTENT="tax" WIDTH="28" HPOS="1066" VPOS="798" ID="st19-152"/><SP/><String HEIGHT="21" CONTENT="to" WIDTH="20" HPOS="1100" VPOS="798" ID="st19-153"/><SP/><String HEIGHT="21" CONTENT="GDP" WIDTH="42" HPOS="1126" VPOS="798" ID="st19-154"/><SP/><String HEIGHT="21" CONTENT="ratio" WIDTH="43" HPOS="1174" VPOS="798" ID="st19-155"/></TextLine><TextLine HPOS="624" VPOS="985" ID="tl19-25" WIDTH="171" HEIGHT="35"><String HEIGHT="35" CONTENT="Conclusion" WIDTH="171" HPOS="624" VPOS="985" ID="st19-156"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl19-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Engaging" WIDTH="100" HPOS="196" VPOS="1065" ID="st19-157"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="307" VPOS="1065" ID="st19-158"/><SP/><String HEIGHT="24" CONTENT="through" WIDTH="86" HPOS="402" VPOS="1065" ID="st19-159"/><SP/><String HEIGHT="24" CONTENT="collective" WIDTH="97" HPOS="498" VPOS="1065" ID="st19-160"/><SP/><String HEIGHT="24" CONTENT="bargaining" WIDTH="114" HPOS="606" VPOS="1065" ID="st19-161"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="730" VPOS="1065" ID="st19-162"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="1065" ID="st19-163"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl19-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="governance" WIDTH="125" HPOS="196" VPOS="1101" ID="st19-164"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="333" VPOS="1101" ID="st19-165"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="367" VPOS="1101" ID="st19-166"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="468" VPOS="1101" ID="st19-167"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="597" VPOS="1101" ID="st19-168"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="51" HPOS="646" VPOS="1101" ID="st19-169"/><SP/><String HEIGHT="24" CONTENT="multiple" WIDTH="87" HPOS="708" VPOS="1101" ID="st19-170"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl19-28" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="benefits" WIDTH="85" HPOS="196" VPOS="1138" ID="st19-171"/><SP/><String HEIGHT="23" CONTENT="for" WIDTH="31" HPOS="290" VPOS="1138" ID="st19-172"/><SP/><String HEIGHT="23" CONTENT="risk" WIDTH="36" HPOS="330" VPOS="1138" ID="st19-173"/><SP/><String HEIGHT="23" CONTENT="mitigation" WIDTH="108" HPOS="375" VPOS="1138" ID="st19-174"/><SP/><String HEIGHT="23" CONTENT="at" WIDTH="21" HPOS="492" VPOS="1138" ID="st19-175"/><SP/><String HEIGHT="23" CONTENT="both" WIDTH="50" HPOS="522" VPOS="1138" ID="st19-176"/><SP/><String HEIGHT="23" CONTENT="firm" WIDTH="43" HPOS="581" VPOS="1138" ID="st19-177"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="633" VPOS="1138" ID="st19-178"/><SP/><String HEIGHT="23" CONTENT="macroeco" WIDTH="100" HPOS="683" VPOS="1138" ID="st19-179" SUBS_TYPE="HypPart1" SUBS_CONTENT="macroeconomic"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="1138" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl19-29" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="nomic" WIDTH="66" HPOS="196" VPOS="1174" ID="st19-180" SUBS_TYPE="HypPart2" SUBS_CONTENT="macroeconomic"/><SP/><String HEIGHT="23" CONTENT="levels" WIDTH="54" HPOS="273" VPOS="1174" ID="st19-181"/><String HEIGHT="23" CONTENT="." WIDTH="9" HPOS="327" VPOS="1174" ID="st19-182"/><SP/><String HEIGHT="23" CONTENT="An" WIDTH="31" HPOS="347" VPOS="1174" ID="st19-183"/><SP/><String HEIGHT="23" CONTENT="engaged" WIDTH="93" HPOS="389" VPOS="1174" ID="st19-184"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="493" VPOS="1174" ID="st19-185"/><SP/><String HEIGHT="23" CONTENT="organized" WIDTH="106" HPOS="544" VPOS="1174" ID="st19-186"/><SP/><String HEIGHT="23" CONTENT="workforce" WIDTH="108" HPOS="661" VPOS="1174" ID="st19-187"/><SP/><String HEIGHT="23" CONTENT="is" WIDTH="15" HPOS="780" VPOS="1174" ID="st19-188"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl19-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="able" WIDTH="45" HPOS="196" VPOS="1210" ID="st19-189"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="247" VPOS="1210" ID="st19-190"/><SP/><String HEIGHT="24" CONTENT="provide" WIDTH="79" HPOS="276" VPOS="1210" ID="st19-191"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="361" VPOS="1210" ID="st19-192"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="372" VPOS="1210" ID="st19-193"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="490" VPOS="1210" ID="st19-194"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="65" HPOS="547" VPOS="1210" ID="st19-195"/><String HEIGHT="24" CONTENT="«" WIDTH="14" HPOS="612" VPOS="1210" ID="st19-196"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="633" VPOS="1210" ID="st19-197"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="683" VPOS="1210" ID="st19-198"/><SP/><String HEIGHT="24" CONTENT="mean" WIDTH="55" HPOS="727" VPOS="1210" ID="st19-199" SUBS_TYPE="HypPart1" SUBS_CONTENT="meaningfully"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="1210" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl19-31" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ingfully" WIDTH="78" HPOS="196" VPOS="1246" ID="st19-200" SUBS_TYPE="HypPart2" SUBS_CONTENT="meaningfully"/><SP/><String HEIGHT="24" CONTENT="supplement" WIDTH="125" HPOS="280" VPOS="1246" ID="st19-201"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="412" VPOS="1246" ID="st19-202"/><SP/><String HEIGHT="24" CONTENT="strengthen" WIDTH="115" HPOS="458" VPOS="1246" ID="st19-203"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="37" HPOS="579" VPOS="1246" ID="st19-204"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="622" VPOS="1246" ID="st19-205"/><SP/><String HEIGHT="24" CONTENT="by" WIDTH="25" HPOS="770" VPOS="1246" ID="st19-206"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl19-32" WIDTH="378" HEIGHT="24"><String HEIGHT="24" CONTENT="firm" WIDTH="43" HPOS="196" VPOS="1282" ID="st19-207"/><SP/><String HEIGHT="24" CONTENT="managers" WIDTH="105" HPOS="246" VPOS="1282" ID="st19-208"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="357" VPOS="1282" ID="st19-209"/><SP/><String HEIGHT="24" CONTENT="regulators" WIDTH="106" HPOS="405" VPOS="1282" ID="st19-210"/><SP/><String HEIGHT="24" CONTENT="alike" WIDTH="46" HPOS="518" VPOS="1282" ID="st19-211"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="564" VPOS="1282" ID="st19-212"/></TextLine><TextLine HPOS="196" VPOS="1354" ID="tl19-33" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Unionized" WIDTH="107" HPOS="196" VPOS="1354" ID="st19-213"/><SP/><String HEIGHT="24" CONTENT="bank" WIDTH="52" HPOS="313" VPOS="1354" ID="st19-214"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="375" VPOS="1354" ID="st19-215"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="469" VPOS="1354" ID="st19-216"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="511" VPOS="1354" ID="st19-217"/><SP/><String HEIGHT="24" CONTENT="able" WIDTH="45" HPOS="575" VPOS="1354" ID="st19-218"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="629" VPOS="1354" ID="st19-219"/><SP/><String HEIGHT="24" CONTENT="identify" WIDTH="79" HPOS="661" VPOS="1354" ID="st19-220"/><SP/><String HEIGHT="24" CONTENT="risks" WIDTH="46" HPOS="749" VPOS="1354" ID="st19-221"/></TextLine><TextLine HPOS="196" VPOS="1390" ID="tl19-34" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="early" WIDTH="45" HPOS="196" VPOS="1390" ID="st19-222"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="241" VPOS="1390" ID="st19-223"/><SP/><String HEIGHT="24" CONTENT="elevate" WIDTH="75" HPOS="260" VPOS="1390" ID="st19-224"/><SP/><String HEIGHT="24" CONTENT="them" WIDTH="56" HPOS="344" VPOS="1390" ID="st19-225"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="409" VPOS="1390" ID="st19-226"/><SP/><String HEIGHT="24" CONTENT="senior" WIDTH="64" HPOS="440" VPOS="1390" ID="st19-227"/><SP/><String HEIGHT="24" CONTENT="leadership" WIDTH="104" HPOS="513" VPOS="1390" ID="st19-228"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="617" VPOS="1390" ID="st19-229"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="637" VPOS="1390" ID="st19-230"/><SP/><String HEIGHT="24" CONTENT="communi" WIDTH="96" HPOS="686" VPOS="1390" ID="st19-231" SUBS_TYPE="HypPart1" SUBS_CONTENT="communicate"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="1390" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl19-35" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="cate" WIDTH="45" HPOS="196" VPOS="1426" ID="st19-232" SUBS_TYPE="HypPart2" SUBS_CONTENT="communicate"/><SP/><String HEIGHT="24" CONTENT="vertically" WIDTH="91" HPOS="246" VPOS="1426" ID="st19-233"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="342" VPOS="1426" ID="st19-234"/><SP/><String HEIGHT="24" CONTENT="horizontally" WIDTH="123" HPOS="388" VPOS="1426" ID="st19-235"/><SP/><String HEIGHT="24" CONTENT="throughout" WIDTH="117" HPOS="516" VPOS="1426" ID="st19-236"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="633" VPOS="1426" ID="st19-237"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="87" HPOS="650" VPOS="1426" ID="st19-238"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="737" VPOS="1426" ID="st19-239"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="755" VPOS="1426" ID="st19-240"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl19-36" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="beyond" WIDTH="80" HPOS="196" VPOS="1463" ID="st19-241"/><SP/><String HEIGHT="23" CONTENT="institutions" WIDTH="113" HPOS="287" VPOS="1463" ID="st19-242"/><String HEIGHT="23" CONTENT="." WIDTH="10" HPOS="400" VPOS="1463" ID="st19-243"/><SP/><String HEIGHT="23" CONTENT="Where" WIDTH="71" HPOS="421" VPOS="1463" ID="st19-244"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="80" HPOS="503" VPOS="1463" ID="st19-245"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="583" VPOS="1463" ID="st19-246"/><SP/><String HEIGHT="23" CONTENT="voices" WIDTH="64" HPOS="606" VPOS="1463" ID="st19-247"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="681" VPOS="1463" ID="st19-248"/><SP/><String HEIGHT="23" CONTENT="been" WIDTH="53" HPOS="742" VPOS="1463" ID="st19-249"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl19-37" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="meaningfully" WIDTH="137" HPOS="196" VPOS="1499" ID="st19-250"/><SP/><String HEIGHT="23" CONTENT="incorporated" WIDTH="136" HPOS="338" VPOS="1499" ID="st19-251"/><SP/><String HEIGHT="23" CONTENT="into" WIDTH="41" HPOS="479" VPOS="1499" ID="st19-252"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="526" VPOS="1499" ID="st19-253"/><SP/><String HEIGHT="23" CONTENT="governance" WIDTH="124" HPOS="565" VPOS="1499" ID="st19-254"/><SP/><String HEIGHT="23" CONTENT="structure" WIDTH="90" HPOS="694" VPOS="1499" ID="st19-255"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="784" VPOS="1499" ID="st19-256"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl19-38" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="they" WIDTH="46" HPOS="196" VPOS="1535" ID="st19-257"/><SP/><String HEIGHT="24" CONTENT="appear" WIDTH="74" HPOS="248" VPOS="1535" ID="st19-258"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="327" VPOS="1535" ID="st19-259"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="355" VPOS="1535" ID="st19-260"/><SP/><String HEIGHT="24" CONTENT="provided" WIDTH="93" HPOS="411" VPOS="1535" ID="st19-261"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="510" VPOS="1535" ID="st19-262"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="90" HPOS="542" VPOS="1535" ID="st19-263"/><SP/><String HEIGHT="24" CONTENT="check" WIDTH="61" HPOS="637" VPOS="1535" ID="st19-264"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="704" VPOS="1535" ID="st19-265"/><SP/><String HEIGHT="24" CONTENT="some" WIDTH="57" HPOS="738" VPOS="1535" ID="st19-266"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl19-39" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="196" VPOS="1571" ID="st19-267"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="226" VPOS="1571" ID="st19-268"/><SP/><String HEIGHT="24" CONTENT="worst" WIDTH="59" HPOS="269" VPOS="1571" ID="st19-269"/><SP/><String HEIGHT="24" CONTENT="tendencies" WIDTH="114" HPOS="336" VPOS="1571" ID="st19-270"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="458" VPOS="1571" ID="st19-271"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="488" VPOS="1571" ID="st19-272"/><String HEIGHT="24" CONTENT="(" WIDTH="9" HPOS="637" VPOS="1571" ID="st19-273"/><String HEIGHT="24" CONTENT="e" WIDTH="9" HPOS="646" VPOS="1571" ID="st19-274"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="655" VPOS="1571" ID="st19-275"/><String HEIGHT="24" CONTENT="g" WIDTH="9" HPOS="664" VPOS="1571" ID="st19-276"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="673" VPOS="1571" ID="st19-277"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="682" VPOS="1571" ID="st19-278"/><SP/><String HEIGHT="24" CONTENT="excessive" WIDTH="96" HPOS="699" VPOS="1571" ID="st19-279"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl19-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="executive" WIDTH="99" HPOS="196" VPOS="1607" ID="st19-280"/><SP/><String HEIGHT="24" CONTENT="compensation" WIDTH="144" HPOS="302" VPOS="1607" ID="st19-281"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="446" VPOS="1607" ID="st19-282"/><SP/><String HEIGHT="24" CONTENT="prioritizing" WIDTH="113" HPOS="467" VPOS="1607" ID="st19-283"/><SP/><String HEIGHT="24" CONTENT="shareholder" WIDTH="124" HPOS="588" VPOS="1607" ID="st19-284"/><SP/><String HEIGHT="24" CONTENT="returns" WIDTH="75" HPOS="720" VPOS="1607" ID="st19-285"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl19-41" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="over" WIDTH="46" HPOS="196" VPOS="1643" ID="st19-286"/><SP/><String HEIGHT="24" CONTENT="necessary" WIDTH="102" HPOS="247" VPOS="1643" ID="st19-287"/><SP/><String HEIGHT="24" CONTENT="reinvestment" WIDTH="129" HPOS="354" VPOS="1643" ID="st19-288"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="483" VPOS="1643" ID="st19-289"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="494" VPOS="1643" ID="st19-290"/><SP/><String HEIGHT="24" CONTENT="Additionally" WIDTH="120" HPOS="510" VPOS="1643" ID="st19-291"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="630" VPOS="1643" ID="st19-292"/><SP/><String HEIGHT="24" CONTENT="there" WIDTH="55" HPOS="646" VPOS="1643" ID="st19-293"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="32" HPOS="707" VPOS="1643" ID="st19-294"/><SP/><String HEIGHT="24" CONTENT="clear" WIDTH="50" HPOS="745" VPOS="1643" ID="st19-295"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl19-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="correlations" WIDTH="124" HPOS="196" VPOS="1679" ID="st19-296"/><SP/><String HEIGHT="24" CONTENT="between" WIDTH="93" HPOS="329" VPOS="1679" ID="st19-297"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="432" VPOS="1679" ID="st19-298"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="509" VPOS="1679" ID="st19-299"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="590" VPOS="1679" ID="st19-300"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="647" VPOS="1679" ID="st19-301"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="669" VPOS="1679" ID="st19-302"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="718" VPOS="1679" ID="st19-303"/><SP/><String HEIGHT="24" CONTENT="gov" WIDTH="36" HPOS="747" VPOS="1679" ID="st19-304" SUBS_TYPE="HypPart1" SUBS_CONTENT="governance"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="1679" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl19-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ernance" WIDTH="86" HPOS="196" VPOS="1715" ID="st19-305" SUBS_TYPE="HypPart2" SUBS_CONTENT="governance"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="289" VPOS="1715" ID="st19-306"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="337" VPOS="1715" ID="st19-307"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="83" HPOS="379" VPOS="1715" ID="st19-308"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="81" HPOS="469" VPOS="1715" ID="st19-309"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="557" VPOS="1715" ID="st19-310"/><SP/><String HEIGHT="24" CONTENT="both" WIDTH="50" HPOS="587" VPOS="1715" ID="st19-311"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="645" VPOS="1715" ID="st19-312"/><SP/><String HEIGHT="24" CONTENT="workforce" WIDTH="108" HPOS="687" VPOS="1715" ID="st19-313"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl19-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1751" ID="st19-314"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="49" HPOS="246" VPOS="1751" ID="st19-315"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="295" VPOS="1751" ID="st19-316"/><SP/><String HEIGHT="24" CONTENT="particularly" WIDTH="117" HPOS="314" VPOS="1751" ID="st19-317"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="440" VPOS="1751" ID="st19-318"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="468" VPOS="1751" ID="st19-319"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="48" HPOS="489" VPOS="1751" ID="st19-320"/><String HEIGHT="24" CONTENT=";" WIDTH="9" HPOS="537" VPOS="1751" ID="st19-321"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="555" VPOS="1751" ID="st19-322"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="70" HPOS="632" VPOS="1751" ID="st19-323"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="711" VPOS="1751" ID="st19-324"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="42" HPOS="753" VPOS="1751" ID="st19-325"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl19-45" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="negatively" WIDTH="107" HPOS="196" VPOS="1788" ID="st19-326"/><SP/><String HEIGHT="23" CONTENT="correlated" WIDTH="107" HPOS="309" VPOS="1788" ID="st19-327"/><SP/><String HEIGHT="23" CONTENT="with" WIDTH="47" HPOS="422" VPOS="1788" ID="st19-328"/><SP/><String HEIGHT="23" CONTENT="income" WIDTH="78" HPOS="475" VPOS="1788" ID="st19-329"/><SP/><String HEIGHT="23" CONTENT="inequality" WIDTH="97" HPOS="559" VPOS="1788" ID="st19-330"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="656" VPOS="1788" ID="st19-331"/><SP/><String HEIGHT="23" CONTENT="both" WIDTH="50" HPOS="672" VPOS="1788" ID="st19-332"/><SP/><String HEIGHT="23" CONTENT="within" WIDTH="67" HPOS="728" VPOS="1788" ID="st19-333"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl19-46" WIDTH="487" HEIGHT="23"><String HEIGHT="23" CONTENT="firms" WIDTH="53" HPOS="196" VPOS="1824" ID="st19-334"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="256" VPOS="1824" ID="st19-335"/><SP/><String HEIGHT="23" CONTENT="within" WIDTH="67" HPOS="303" VPOS="1824" ID="st19-336"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="377" VPOS="1824" ID="st19-337"/><SP/><String HEIGHT="23" CONTENT="labor" WIDTH="54" HPOS="419" VPOS="1824" ID="st19-338"/><SP/><String HEIGHT="23" CONTENT="market" WIDTH="75" HPOS="480" VPOS="1824" ID="st19-339"/><SP/><String HEIGHT="23" CONTENT="as" WIDTH="22" HPOS="562" VPOS="1824" ID="st19-340"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="12" HPOS="591" VPOS="1824" ID="st19-341"/><SP/><String HEIGHT="23" CONTENT="whole" WIDTH="60" HPOS="610" VPOS="1824" ID="st19-342"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="670" VPOS="1824" ID="st19-343"/></TextLine><TextLine HPOS="196" VPOS="1896" ID="tl19-47" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="Nonetheless" WIDTH="126" HPOS="196" VPOS="1896" ID="st19-344"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="322" VPOS="1896" ID="st19-345"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="352" VPOS="1896" ID="st19-346"/><SP/><String HEIGHT="24" CONTENT="United" WIDTH="72" HPOS="404" VPOS="1896" ID="st19-347"/><SP/><String HEIGHT="24" CONTENT="States" WIDTH="65" HPOS="493" VPOS="1896" ID="st19-348"/><SP/><String HEIGHT="24" CONTENT="remains" WIDTH="84" HPOS="575" VPOS="1896" ID="st19-349"/><SP/><String HEIGHT="24" CONTENT="particularly" WIDTH="118" HPOS="677" VPOS="1896" ID="st19-350"/></TextLine><TextLine HPOS="196" VPOS="1932" ID="tl19-48" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="hostile" WIDTH="70" HPOS="196" VPOS="1932" ID="st19-351"/><SP/><String HEIGHT="24" CONTENT="toward" WIDTH="76" HPOS="277" VPOS="1932" ID="st19-352"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="363" VPOS="1932" ID="st19-353"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="443" VPOS="1932" ID="st19-354"/><SP/><String HEIGHT="24" CONTENT="rights" WIDTH="57" HPOS="466" VPOS="1932" ID="st19-355"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="523" VPOS="1932" ID="st19-356"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="543" VPOS="1932" ID="st19-357"/><SP/><String HEIGHT="24" CONTENT="hostility" WIDTH="82" HPOS="567" VPOS="1932" ID="st19-358"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="659" VPOS="1932" ID="st19-359"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="713" VPOS="1932" ID="st19-360"/><SP/><String HEIGHT="24" CONTENT="left" WIDTH="35" HPOS="760" VPOS="1932" ID="st19-361"/></TextLine><TextLine HPOS="196" VPOS="1968" ID="tl19-49" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="bank" WIDTH="54" HPOS="196" VPOS="1968" ID="st19-362"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="265" VPOS="1968" ID="st19-363"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="365" VPOS="1968" ID="st19-364"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="400" VPOS="1968" ID="st19-365"/><SP/><String HEIGHT="24" CONTENT="country" WIDTH="81" HPOS="450" VPOS="1968" ID="st19-366"/><SP/><String HEIGHT="24" CONTENT="without" WIDTH="84" HPOS="546" VPOS="1968" ID="st19-367"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="645" VPOS="1968" ID="st19-368"/><SP/><String HEIGHT="24" CONTENT="meaningful" WIDTH="122" HPOS="673" VPOS="1968" ID="st19-369"/></TextLine><TextLine HPOS="196" VPOS="2004" ID="tl19-50" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="voice" WIDTH="50" HPOS="196" VPOS="2004" ID="st19-370"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="246" VPOS="2004" ID="st19-371"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="41" HPOS="267" VPOS="2004" ID="st19-372"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="318" VPOS="2004" ID="st19-373"/><SP/><String HEIGHT="24" CONTENT="negative" WIDTH="91" HPOS="363" VPOS="2004" ID="st19-374"/><SP/><String HEIGHT="24" CONTENT="implications" WIDTH="126" HPOS="463" VPOS="2004" ID="st19-375"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="30" HPOS="599" VPOS="2004" ID="st19-376"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="639" VPOS="2004" ID="st19-377"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="80" HPOS="683" VPOS="2004" ID="st19-378"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="2004" ID="st19-379"/></TextLine><TextLine HPOS="196" VPOS="2040" ID="tl19-51" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="196" VPOS="2040" ID="st19-380"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="240" VPOS="2040" ID="st19-381"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="250" VPOS="2040" ID="st19-382"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="261" VPOS="2040" ID="st19-383"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="272" VPOS="2040" ID="st19-384"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="292" VPOS="2040" ID="st19-385"/><SP/><String HEIGHT="24" CONTENT="system" WIDTH="68" HPOS="386" VPOS="2040" ID="st19-386"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="454" VPOS="2040" ID="st19-387"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="474" VPOS="2040" ID="st19-388"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="523" VPOS="2040" ID="st19-389"/><SP/><String HEIGHT="24" CONTENT="light" WIDTH="48" HPOS="551" VPOS="2040" ID="st19-390"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="607" VPOS="2040" ID="st19-391"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="638" VPOS="2040" ID="st19-392"/><SP/><String HEIGHT="24" CONTENT="size" WIDTH="39" HPOS="682" VPOS="2040" ID="st19-393"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="729" VPOS="2040" ID="st19-394"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="760" VPOS="2040" ID="st19-395"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl19-52" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="858" VPOS="993" ID="st19-396"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="868" VPOS="993" ID="st19-397"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="879" VPOS="993" ID="st19-398"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="890" VPOS="993" ID="st19-399"/><SP/><String HEIGHT="24" CONTENT="banking" WIDTH="86" HPOS="907" VPOS="993" ID="st19-400"/><SP/><String HEIGHT="24" CONTENT="system" WIDTH="67" HPOS="999" VPOS="993" ID="st19-401"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1066" VPOS="993" ID="st19-402"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1084" VPOS="993" ID="st19-403"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1121" VPOS="993" ID="st19-404"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="65" HPOS="1162" VPOS="993" ID="st19-405"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1233" VPOS="993" ID="st19-406"/><SP/><String HEIGHT="24" CONTENT="system" WIDTH="67" HPOS="1328" VPOS="993" ID="st19-407"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1395" VPOS="993" ID="st19-408"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="1413" VPOS="993" ID="st19-409"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1423" VPOS="993" ID="st19-410"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1434" VPOS="993" ID="st19-411"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1445" VPOS="993" ID="st19-412"/></TextLine><TextLine HPOS="858" VPOS="1029" ID="tl19-53" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="banks" WIDTH="62" HPOS="858" VPOS="1029" ID="st19-413"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="931" VPOS="1029" ID="st19-414"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="982" VPOS="1029" ID="st19-415"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="992" VPOS="1029" ID="st19-416"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="1003" VPOS="1029" ID="st19-417"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1014" VPOS="1029" ID="st19-418"/><SP/><String HEIGHT="24" CONTENT="subsidiaries" WIDTH="121" HPOS="1035" VPOS="1029" ID="st19-419"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1167" VPOS="1029" ID="st19-420"/><SP/><String HEIGHT="24" CONTENT="foreign" WIDTH="76" HPOS="1200" VPOS="1029" ID="st19-421"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="63" HPOS="1286" VPOS="1029" ID="st19-422"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1359" VPOS="1029" ID="st19-423"/><SP/><String HEIGHT="24" CONTENT="op" WIDTH="24" HPOS="1420" VPOS="1029" ID="st19-424" SUBS_TYPE="HypPart1" SUBS_CONTENT="opposed"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1029" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1065" ID="tl19-54" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="posed" WIDTH="64" HPOS="858" VPOS="1065" ID="st19-425" SUBS_TYPE="HypPart2" SUBS_CONTENT="opposed"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="931" VPOS="1065" ID="st19-426"/><String HEIGHT="24" CONTENT="’" WIDTH="12" HPOS="1011" VPOS="1065" ID="st19-427"/><SP/><String HEIGHT="24" CONTENT="efforts" WIDTH="69" HPOS="1032" VPOS="1065" ID="st19-428"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1111" VPOS="1065" ID="st19-429"/><SP/><String HEIGHT="24" CONTENT="unionize" WIDTH="86" HPOS="1143" VPOS="1065" ID="st19-430"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1229" VPOS="1065" ID="st19-431"/><SP/><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="1250" VPOS="1065" ID="st19-432"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1309" VPOS="1065" ID="st19-433"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="1339" VPOS="1065" ID="st19-434"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl19-55" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="858" VPOS="1101" ID="st19-435"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="912" VPOS="1101" ID="st19-436"/><SP/><String HEIGHT="24" CONTENT="positive" WIDTH="81" HPOS="972" VPOS="1101" ID="st19-437"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="1064" VPOS="1101" ID="st19-438"/><SP/><String HEIGHT="24" CONTENT="relations" WIDTH="90" HPOS="1129" VPOS="1101" ID="st19-439"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="1229" VPOS="1101" ID="st19-440"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="1287" VPOS="1101" ID="st19-441"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1369" VPOS="1101" ID="st19-442"/><SP/><String HEIGHT="24" CONTENT="other" WIDTH="57" HPOS="1399" VPOS="1101" ID="st19-443"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl19-56" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="countries" WIDTH="93" HPOS="858" VPOS="1138" ID="st19-444"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="951" VPOS="1138" ID="st19-445"/><SP/><String HEIGHT="23" CONTENT="Even" WIDTH="50" HPOS="973" VPOS="1138" ID="st19-446"/><SP/><String HEIGHT="23" CONTENT="as" WIDTH="22" HPOS="1034" VPOS="1138" ID="st19-447"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="1068" VPOS="1138" ID="st19-448"/><SP/><String HEIGHT="23" CONTENT="risks" WIDTH="46" HPOS="1113" VPOS="1138" ID="st19-449"/><SP/><String HEIGHT="23" CONTENT="created" WIDTH="79" HPOS="1170" VPOS="1138" ID="st19-450"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="1260" VPOS="1138" ID="st19-451"/><SP/><String HEIGHT="23" CONTENT="financialization" WIDTH="160" HPOS="1296" VPOS="1138" ID="st19-452"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl19-57" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="continue" WIDTH="93" HPOS="858" VPOS="1174" ID="st19-453"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="959" VPOS="1174" ID="st19-454"/><SP/><String HEIGHT="23" CONTENT="grow" WIDTH="55" HPOS="989" VPOS="1174" ID="st19-455"/><String HEIGHT="23" CONTENT="(" WIDTH="9" HPOS="1052" VPOS="1174" ID="st19-456"/><String HEIGHT="23" CONTENT="e" WIDTH="9" HPOS="1061" VPOS="1174" ID="st19-457"/><String HEIGHT="23" CONTENT="." WIDTH="9" HPOS="1070" VPOS="1174" ID="st19-458"/><String HEIGHT="23" CONTENT="g" WIDTH="9" HPOS="1079" VPOS="1174" ID="st19-459"/><String HEIGHT="23" CONTENT="." WIDTH="9" HPOS="1088" VPOS="1174" ID="st19-460"/><String HEIGHT="23" CONTENT="," WIDTH="9" HPOS="1097" VPOS="1174" ID="st19-461"/><SP/><String HEIGHT="23" CONTENT="deregulation" WIDTH="130" HPOS="1114" VPOS="1174" ID="st19-462"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1244" VPOS="1174" ID="st19-463"/><SP/><String HEIGHT="23" CONTENT="income" WIDTH="78" HPOS="1263" VPOS="1174" ID="st19-464"/><SP/><String HEIGHT="23" CONTENT="inequality" WIDTH="97" HPOS="1349" VPOS="1174" ID="st19-465"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1446" VPOS="1174" ID="st19-466"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl19-58" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="etc" WIDTH="26" HPOS="858" VPOS="1210" ID="st19-467"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="884" VPOS="1210" ID="st19-468"/><String HEIGHT="24" CONTENT=")" WIDTH="9" HPOS="893" VPOS="1210" ID="st19-469"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="902" VPOS="1210" ID="st19-470"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="917" VPOS="1210" ID="st19-471"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="927" VPOS="1210" ID="st19-472"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="938" VPOS="1210" ID="st19-473"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="949" VPOS="1210" ID="st19-474"/><SP/><String HEIGHT="24" CONTENT="banks" WIDTH="62" HPOS="967" VPOS="1210" ID="st19-475"/><SP/><String HEIGHT="24" CONTENT="allow" WIDTH="57" HPOS="1036" VPOS="1210" ID="st19-476"/><SP/><String HEIGHT="24" CONTENT="no" WIDTH="27" HPOS="1100" VPOS="1210" ID="st19-477"/><SP/><String HEIGHT="24" CONTENT="meaningful" WIDTH="121" HPOS="1134" VPOS="1210" ID="st19-478"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="39" HPOS="1262" VPOS="1210" ID="st19-479"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1308" VPOS="1210" ID="st19-480"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1345" VPOS="1210" ID="st19-481"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="1210" ID="st19-482"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl19-59" WIDTH="294" HEIGHT="24"><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="858" VPOS="1246" ID="st19-483"/><SP/><String HEIGHT="24" CONTENT="governance" WIDTH="124" HPOS="913" VPOS="1246" ID="st19-484"/><SP/><String HEIGHT="24" CONTENT="processes" WIDTH="97" HPOS="1044" VPOS="1246" ID="st19-485"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1141" VPOS="1246" ID="st19-486"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl19-60" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Given" WIDTH="61" HPOS="858" VPOS="1318" ID="st19-487"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="931" VPOS="1318" ID="st19-488"/><SP/><String HEIGHT="24" CONTENT="complexity" WIDTH="114" HPOS="978" VPOS="1318" ID="st19-489"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1104" VPOS="1318" ID="st19-490"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="90" HPOS="1138" VPOS="1318" ID="st19-491"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="1240" VPOS="1318" ID="st19-492"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1369" VPOS="1318" ID="st19-493"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="1318" ID="st19-494"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl19-61" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="persistent" WIDTH="103" HPOS="858" VPOS="1354" ID="st19-495"/><SP/><String HEIGHT="24" CONTENT="difficulties" WIDTH="108" HPOS="968" VPOS="1354" ID="st19-496"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1083" VPOS="1354" ID="st19-497"/><SP/><String HEIGHT="24" CONTENT="overseeing" WIDTH="114" HPOS="1110" VPOS="1354" ID="st19-498"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1231" VPOS="1354" ID="st19-499"/><SP/><String HEIGHT="24" CONTENT="managing" WIDTH="107" HPOS="1279" VPOS="1354" ID="st19-500"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1393" VPOS="1354" ID="st19-501"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1437" VPOS="1354" ID="st19-502"/></TextLine><TextLine HPOS="858" VPOS="1390" ID="tl19-62" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1390" ID="st19-503"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="59" HPOS="902" VPOS="1390" ID="st19-504"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="961" VPOS="1390" ID="st19-505"/><SP/><String HEIGHT="24" CONTENT="policy" WIDTH="61" HPOS="981" VPOS="1390" ID="st19-506"/><SP/><String HEIGHT="24" CONTENT="makers" WIDTH="76" HPOS="1052" VPOS="1390" ID="st19-507"/><SP/><String HEIGHT="24" CONTENT="should" WIDTH="71" HPOS="1138" VPOS="1390" ID="st19-508"/><SP/><String HEIGHT="24" CONTENT="consider" WIDTH="89" HPOS="1218" VPOS="1390" ID="st19-509"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1317" VPOS="1390" ID="st19-510"/><SP/><String HEIGHT="24" CONTENT="potential" WIDTH="94" HPOS="1362" VPOS="1390" ID="st19-511"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl19-63" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="858" VPOS="1426" ID="st19-512"/><SP/><String HEIGHT="24" CONTENT="empowering" WIDTH="135" HPOS="889" VPOS="1426" ID="st19-513"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="1034" VPOS="1426" ID="st19-514"/><SP/><String HEIGHT="24" CONTENT="voice" WIDTH="54" HPOS="1118" VPOS="1426" ID="st19-515"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1182" VPOS="1426" ID="st19-516"/><SP/><String HEIGHT="24" CONTENT="form" WIDTH="52" HPOS="1213" VPOS="1426" ID="st19-517"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="1274" VPOS="1426" ID="st19-518"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="1285" VPOS="1426" ID="st19-519"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1405" VPOS="1426" ID="st19-520"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl19-64" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="below" WIDTH="60" HPOS="858" VPOS="1463" ID="st19-521"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="918" VPOS="1463" ID="st19-522"/><String HEIGHT="23" CONTENT="«" WIDTH="13" HPOS="930" VPOS="1463" ID="st19-523"/><SP/><String HEIGHT="23" CONTENT="There" WIDTH="59" HPOS="952" VPOS="1463" ID="st19-524"/><SP/><String HEIGHT="23" CONTENT="are" WIDTH="33" HPOS="1021" VPOS="1463" ID="st19-525"/><SP/><String HEIGHT="23" CONTENT="several" WIDTH="72" HPOS="1064" VPOS="1463" ID="st19-526"/><SP/><String HEIGHT="23" CONTENT="specific" WIDTH="78" HPOS="1145" VPOS="1463" ID="st19-527"/><SP/><String HEIGHT="23" CONTENT="ways" WIDTH="53" HPOS="1233" VPOS="1463" ID="st19-528"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1295" VPOS="1463" ID="st19-529"/><SP/><String HEIGHT="23" CONTENT="support" WIDTH="82" HPOS="1327" VPOS="1463" ID="st19-530"/><SP/><String HEIGHT="23" CONTENT="this" WIDTH="37" HPOS="1419" VPOS="1463" ID="st19-531"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl19-65" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="objective" WIDTH="95" HPOS="858" VPOS="1499" ID="st19-532"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="44" HPOS="964" VPOS="1499" ID="st19-533"/><SP/><String HEIGHT="23" CONTENT="can" WIDTH="38" HPOS="1019" VPOS="1499" ID="st19-534"/><SP/><String HEIGHT="23" CONTENT="be" WIDTH="26" HPOS="1069" VPOS="1499" ID="st19-535"/><SP/><String HEIGHT="23" CONTENT="implemented" WIDTH="141" HPOS="1107" VPOS="1499" ID="st19-536"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="1260" VPOS="1499" ID="st19-537"/><SP/><String HEIGHT="23" CONTENT="firm" WIDTH="44" HPOS="1296" VPOS="1499" ID="st19-538"/><SP/><String HEIGHT="23" CONTENT="managers" WIDTH="105" HPOS="1351" VPOS="1499" ID="st19-539"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl19-66" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1535" ID="st19-540"/><SP/><String HEIGHT="24" CONTENT="directors" WIDTH="88" HPOS="905" VPOS="1535" ID="st19-541"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="993" VPOS="1535" ID="st19-542"/><SP/><String HEIGHT="24" CONTENT="policy" WIDTH="61" HPOS="1010" VPOS="1535" ID="st19-543"/><SP/><String HEIGHT="24" CONTENT="makers" WIDTH="76" HPOS="1078" VPOS="1535" ID="st19-544"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1161" VPOS="1535" ID="st19-545"/><SP/><String HEIGHT="24" CONTENT="all" WIDTH="23" HPOS="1189" VPOS="1535" ID="st19-546"/><SP/><String HEIGHT="24" CONTENT="levels" WIDTH="54" HPOS="1219" VPOS="1535" ID="st19-547"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="1273" VPOS="1535" ID="st19-548"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1290" VPOS="1535" ID="st19-549"/><SP/><String HEIGHT="24" CONTENT="multilateral" WIDTH="119" HPOS="1337" VPOS="1535" ID="st19-550"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl19-67" WIDTH="597" HEIGHT="24"><String HEIGHT="24" CONTENT="institutions" WIDTH="113" HPOS="858" VPOS="1571" ID="st19-551"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="971" VPOS="1571" ID="st19-552"/><SP/><String HEIGHT="24" CONTENT="among" WIDTH="75" HPOS="988" VPOS="1571" ID="st19-553"/><SP/><String HEIGHT="24" CONTENT="others" WIDTH="63" HPOS="1070" VPOS="1571" ID="st19-554"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1133" VPOS="1571" ID="st19-555"/><SP/><String HEIGHT="24" CONTENT="Some" WIDTH="60" HPOS="1151" VPOS="1571" ID="st19-556"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1218" VPOS="1571" ID="st19-557"/><SP/><String HEIGHT="24" CONTENT="those" WIDTH="58" HPOS="1247" VPOS="1571" ID="st19-558"/><SP/><String HEIGHT="24" CONTENT="ways" WIDTH="53" HPOS="1312" VPOS="1571" ID="st19-559"/><SP/><String HEIGHT="24" CONTENT="include" WIDTH="72" HPOS="1372" VPOS="1571" ID="st19-560"/><String HEIGHT="24" CONTENT=":" WIDTH="11" HPOS="1444" VPOS="1571" ID="st19-561"/></TextLine><TextLine HPOS="858" VPOS="1645" ID="tl19-68" WIDTH="12" HEIGHT="16"><String HEIGHT="16" CONTENT="" WIDTH="12" HPOS="858" VPOS="1645" ID="st19-562"/></TextLine><TextLine HPOS="870" VPOS="1646" ID="tl19-69" WIDTH="5" HEIGHT="16"><String HEIGHT="16" CONTENT="" WIDTH="5" HPOS="870" VPOS="1646" ID="st19-563"/></TextLine><TextLine HPOS="889" VPOS="1643" ID="tl19-70" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="Adopting" WIDTH="100" HPOS="889" VPOS="1643" ID="st19-564"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1000" VPOS="1643" ID="st19-565"/><SP/><String HEIGHT="24" CONTENT="policy" WIDTH="62" HPOS="1023" VPOS="1643" ID="st19-566"/><SP/><String HEIGHT="24" CONTENT="preference" WIDTH="114" HPOS="1095" VPOS="1643" ID="st19-567"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1220" VPOS="1643" ID="st19-568"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="85" HPOS="1261" VPOS="1643" ID="st19-569"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1357" VPOS="1643" ID="st19-570"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="1390" VPOS="1643" ID="st19-571"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="20" HPOS="1427" VPOS="1643" ID="st19-572" SUBS_TYPE="HypPart1" SUBS_CONTENT="organized"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1643" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl19-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ganized" WIDTH="83" HPOS="858" VPOS="1679" ID="st19-573" SUBS_TYPE="HypPart2" SUBS_CONTENT="organized"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="948" VPOS="1679" ID="st19-574"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="66" HPOS="974" VPOS="1679" ID="st19-575"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1040" VPOS="1679" ID="st19-576"/><SP/><String HEIGHT="24" CONTENT="Employers" WIDTH="108" HPOS="1059" VPOS="1679" ID="st19-577"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1174" VPOS="1679" ID="st19-578"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1200" VPOS="1679" ID="st19-579"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1241" VPOS="1679" ID="st19-580"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="64" HPOS="1337" VPOS="1679" ID="st19-581"/><SP/><String HEIGHT="24" CONTENT="ben" WIDTH="36" HPOS="1408" VPOS="1679" ID="st19-582" SUBS_TYPE="HypPart1" SUBS_CONTENT="benefit"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="1679" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl19-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="efit" WIDTH="35" HPOS="858" VPOS="1715" ID="st19-583" SUBS_TYPE="HypPart2" SUBS_CONTENT="benefit"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="907" VPOS="1715" ID="st19-584"/><SP/><String HEIGHT="24" CONTENT="consultation" WIDTH="132" HPOS="972" VPOS="1715" ID="st19-585"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1118" VPOS="1715" ID="st19-586"/><SP/><String HEIGHT="24" CONTENT="communication" WIDTH="167" HPOS="1172" VPOS="1715" ID="st19-587"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1353" VPOS="1715" ID="st19-588"/><SP/><String HEIGHT="24" CONTENT="em" WIDTH="28" HPOS="1414" VPOS="1715" ID="st19-589" SUBS_TYPE="HypPart1" SUBS_CONTENT="employees"/><HYP CONTENT="-" WIDTH="14" HPOS="1442" VPOS="1715" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl19-73" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ployees" WIDTH="80" HPOS="858" VPOS="1751" ID="st19-590" SUBS_TYPE="HypPart2" SUBS_CONTENT="employees"/><SP/><String HEIGHT="24" CONTENT="regarding" WIDTH="103" HPOS="950" VPOS="1751" ID="st19-591"/><SP/><String HEIGHT="24" CONTENT="firm" WIDTH="44" HPOS="1065" VPOS="1751" ID="st19-592"/><SP/><String HEIGHT="24" CONTENT="operations" WIDTH="110" HPOS="1121" VPOS="1751" ID="st19-593"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1231" VPOS="1751" ID="st19-594"/><SP/><String HEIGHT="24" CONTENT="without" WIDTH="84" HPOS="1254" VPOS="1751" ID="st19-595"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1351" VPOS="1751" ID="st19-596"/><SP/><String HEIGHT="24" CONTENT="many" WIDTH="59" HPOS="1398" VPOS="1751" ID="st19-597"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl19-74" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="filters" WIDTH="59" HPOS="858" VPOS="1788" ID="st19-598"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="930" VPOS="1788" ID="st19-599"/><SP/><String HEIGHT="23" CONTENT="middle" WIDTH="73" HPOS="966" VPOS="1788" ID="st19-600"/><SP/><String HEIGHT="23" CONTENT="management" WIDTH="136" HPOS="1052" VPOS="1788" ID="st19-601"/><String HEIGHT="23" CONTENT="." WIDTH="14" HPOS="1188" VPOS="1788" ID="st19-602"/><SP/><String HEIGHT="23" CONTENT="Strong" WIDTH="71" HPOS="1215" VPOS="1788" ID="st19-603"/><SP/><String HEIGHT="23" CONTENT="unions" WIDTH="71" HPOS="1300" VPOS="1788" ID="st19-604"/><SP/><String HEIGHT="23" CONTENT="enable" WIDTH="71" HPOS="1385" VPOS="1788" ID="st19-605"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl19-75" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="858" VPOS="1824" ID="st19-606"/><SP/><String HEIGHT="23" CONTENT="workforce" WIDTH="109" HPOS="906" VPOS="1824" ID="st19-607"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="1029" VPOS="1824" ID="st19-608"/><SP/><String HEIGHT="23" CONTENT="formulate" WIDTH="105" HPOS="1065" VPOS="1824" ID="st19-609"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="1183" VPOS="1824" ID="st19-610"/><SP/><String HEIGHT="23" CONTENT="express" WIDTH="78" HPOS="1237" VPOS="1824" ID="st19-611"/><SP/><String HEIGHT="23" CONTENT="views" WIDTH="59" HPOS="1329" VPOS="1824" ID="st19-612"/><SP/><String HEIGHT="23" CONTENT="inde" WIDTH="44" HPOS="1401" VPOS="1824" ID="st19-613" SUBS_TYPE="HypPart1" SUBS_CONTENT="independently"/><HYP CONTENT="-" WIDTH="11" HPOS="1445" VPOS="1824" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl19-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="pendently" WIDTH="106" HPOS="858" VPOS="1860" ID="st19-614" SUBS_TYPE="HypPart2" SUBS_CONTENT="independently"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="977" VPOS="1860" ID="st19-615"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="136" HPOS="1012" VPOS="1860" ID="st19-616"/><String HEIGHT="24" CONTENT="." WIDTH="14" HPOS="1148" VPOS="1860" ID="st19-617"/><SP/><String HEIGHT="24" CONTENT="Additional" WIDTH="111" HPOS="1174" VPOS="1860" ID="st19-618"/><SP/><String HEIGHT="24" CONTENT="research" WIDTH="89" HPOS="1298" VPOS="1860" ID="st19-619"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="1399" VPOS="1860" ID="st19-620"/><SP/><String HEIGHT="24" CONTENT="re" WIDTH="19" HPOS="1428" VPOS="1860" ID="st19-621" SUBS_TYPE="HypPart1" SUBS_CONTENT="required"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1860" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl19-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="quired" WIDTH="67" HPOS="858" VPOS="1896" ID="st19-622" SUBS_TYPE="HypPart2" SUBS_CONTENT="required"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="935" VPOS="1896" ID="st19-623"/><SP/><String HEIGHT="24" CONTENT="identify" WIDTH="80" HPOS="967" VPOS="1896" ID="st19-624"/><SP/><String HEIGHT="24" CONTENT="structures" WIDTH="104" HPOS="1056" VPOS="1896" ID="st19-625"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1170" VPOS="1896" ID="st19-626"/><SP/><String HEIGHT="24" CONTENT="best" WIDTH="44" HPOS="1223" VPOS="1896" ID="st19-627"/><SP/><String HEIGHT="24" CONTENT="ensure" WIDTH="71" HPOS="1277" VPOS="1896" ID="st19-628"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1357" VPOS="1896" ID="st19-629"/><SP/><String HEIGHT="24" CONTENT="inde" WIDTH="44" HPOS="1402" VPOS="1896" ID="st19-630" SUBS_TYPE="HypPart1" SUBS_CONTENT="independence"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1896" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1932" ID="tl19-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="pendence" WIDTH="104" HPOS="858" VPOS="1932" ID="st19-631" SUBS_TYPE="HypPart2" SUBS_CONTENT="independence"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="969" VPOS="1932" ID="st19-632"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="999" VPOS="1932" ID="st19-633"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="1041" VPOS="1932" ID="st19-634"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1119" VPOS="1932" ID="st19-635"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="141" HPOS="1178" VPOS="1932" ID="st19-636"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1327" VPOS="1932" ID="st19-637"/><SP/><String HEIGHT="24" CONTENT="maximize" WIDTH="100" HPOS="1356" VPOS="1932" ID="st19-638"/></TextLine><TextLine HPOS="858" VPOS="1968" ID="tl19-79" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="858" VPOS="1968" ID="st19-639"/><SP/><String HEIGHT="24" CONTENT="chances" WIDTH="85" HPOS="908" VPOS="1968" ID="st19-640"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1008" VPOS="1968" ID="st19-641"/><SP/><String HEIGHT="24" CONTENT="successful" WIDTH="107" HPOS="1045" VPOS="1968" ID="st19-642"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="1167" VPOS="1968" ID="st19-643"/><String HEIGHT="24" CONTENT="regulation" WIDTH="112" HPOS="1178" VPOS="1968" ID="st19-644"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="52" HPOS="1304" VPOS="1968" ID="st19-645"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="60" HPOS="1371" VPOS="1968" ID="st19-646"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1431" VPOS="1968" ID="st19-647"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="1443" VPOS="1968" ID="st19-648"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl19-80" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="18" WIDTH="32" HPOS="810" VPOS="2254" ID="st19-649"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="20" ID="p840459" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840459" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840459" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl20-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st20-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st20-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st20-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st20-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st20-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st20-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st20-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st20-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st20-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st20-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st20-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st20-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st20-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st20-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st20-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st20-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st20-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st20-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st20-18"/></TextLine><TextLine HPOS="196" VPOS="309" ID="tl20-1" WIDTH="13" HEIGHT="16"><String HEIGHT="16" CONTENT="" WIDTH="13" HPOS="196" VPOS="309" ID="st20-19"/></TextLine><TextLine HPOS="209" VPOS="310" ID="tl20-2" WIDTH="4" HEIGHT="16"><String HEIGHT="16" CONTENT="" WIDTH="4" HPOS="209" VPOS="310" ID="st20-20"/></TextLine><TextLine HPOS="228" VPOS="307" ID="tl20-3" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="Ensure" WIDTH="71" HPOS="228" VPOS="307" ID="st20-21"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="307" VPOS="307" ID="st20-22"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="399" VPOS="307" ID="st20-23"/><SP/><String HEIGHT="24" CONTENT="exercise" WIDTH="84" HPOS="444" VPOS="307" ID="st20-24"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="48" HPOS="536" VPOS="307" ID="st20-25"/><SP/><String HEIGHT="24" CONTENT="rights" WIDTH="60" HPOS="592" VPOS="307" ID="st20-26"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="660" VPOS="307" ID="st20-27"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="690" VPOS="307" ID="st20-28"/><SP/><String HEIGHT="24" CONTENT="organ" WIDTH="60" HPOS="724" VPOS="307" ID="st20-29" SUBS_TYPE="HypPart1" SUBS_CONTENT="organized"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="307" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="343" ID="tl20-4" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ized" WIDTH="43" HPOS="196" VPOS="343" ID="st20-30" SUBS_TYPE="HypPart2" SUBS_CONTENT="organized"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="249" VPOS="343" ID="st20-31"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="278" VPOS="343" ID="st20-32"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="359" VPOS="343" ID="st20-33"/><SP/><String HEIGHT="24" CONTENT="collectively" WIDTH="114" HPOS="409" VPOS="343" ID="st20-34"/><SP/><String HEIGHT="24" CONTENT="bargain" WIDTH="77" HPOS="532" VPOS="343" ID="st20-35"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="609" VPOS="343" ID="st20-36"/><SP/><String HEIGHT="24" CONTENT="At" WIDTH="25" HPOS="630" VPOS="343" ID="st20-37"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="664" VPOS="343" ID="st20-38"/><SP/><String HEIGHT="24" CONTENT="minimum" WIDTH="95" HPOS="686" VPOS="343" ID="st20-39"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="781" VPOS="343" ID="st20-40"/></TextLine><TextLine HPOS="196" VPOS="379" ID="tl20-5" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="196" VPOS="379" ID="st20-41"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="294" VPOS="379" ID="st20-42"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="355" VPOS="379" ID="st20-43"/><SP/><String HEIGHT="24" CONTENT="significant" WIDTH="109" HPOS="411" VPOS="379" ID="st20-44"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="65" HPOS="529" VPOS="379" ID="st20-45"/><SP/><String HEIGHT="24" CONTENT="operations" WIDTH="112" HPOS="603" VPOS="379" ID="st20-46"/><SP/><String HEIGHT="24" CONTENT="should" WIDTH="71" HPOS="724" VPOS="379" ID="st20-47"/></TextLine><TextLine HPOS="196" VPOS="415" ID="tl20-6" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="operate" WIDTH="83" HPOS="196" VPOS="415" ID="st20-48"/><SP/><String HEIGHT="24" CONTENT="within" WIDTH="67" HPOS="290" VPOS="415" ID="st20-49"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="369" VPOS="415" ID="st20-50"/><SP/><String HEIGHT="24" CONTENT="framework" WIDTH="117" HPOS="415" VPOS="415" ID="st20-51"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="543" VPOS="415" ID="st20-52"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="577" VPOS="415" ID="st20-53"/><SP/><String HEIGHT="24" CONTENT="ILO" WIDTH="29" HPOS="623" VPOS="415" ID="st20-54"/><String HEIGHT="24" CONTENT="’" WIDTH="10" HPOS="652" VPOS="415" ID="st20-55"/><String HEIGHT="24" CONTENT="s" WIDTH="10" HPOS="662" VPOS="415" ID="st20-56"/><SP/><String HEIGHT="24" CONTENT="core" WIDTH="46" HPOS="683" VPOS="415" ID="st20-57"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="55" HPOS="740" VPOS="415" ID="st20-58"/></TextLine><TextLine HPOS="196" VPOS="451" ID="tl20-7" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="standards" WIDTH="98" HPOS="196" VPOS="451" ID="st20-59"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="294" VPOS="451" ID="st20-60"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="310" VPOS="451" ID="st20-61"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="335" VPOS="451" ID="st20-62"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="375" VPOS="451" ID="st20-63"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="385" VPOS="451" ID="st20-64"/><String HEIGHT="24" CONTENT="S" WIDTH="10" HPOS="395" VPOS="451" ID="st20-65"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="405" VPOS="451" ID="st20-66"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="415" VPOS="451" ID="st20-67"/><SP/><String HEIGHT="24" CONTENT="existing" WIDTH="80" HPOS="430" VPOS="451" ID="st20-68"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="516" VPOS="451" ID="st20-69"/><SP/><String HEIGHT="24" CONTENT="law" WIDTH="37" HPOS="575" VPOS="451" ID="st20-70"/><SP/><String HEIGHT="24" CONTENT="does" WIDTH="50" HPOS="618" VPOS="451" ID="st20-71"/><SP/><String HEIGHT="24" CONTENT="little" WIDTH="45" HPOS="673" VPOS="451" ID="st20-72"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="724" VPOS="451" ID="st20-73"/><SP/><String HEIGHT="24" CONTENT="pro" WIDTH="33" HPOS="751" VPOS="451" ID="st20-74" SUBS_TYPE="HypPart1" SUBS_CONTENT="protect"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="451" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="488" ID="tl20-8" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="tect" WIDTH="41" HPOS="196" VPOS="488" ID="st20-75" SUBS_TYPE="HypPart2" SUBS_CONTENT="protect"/><SP/><String HEIGHT="23" CONTENT="employees" WIDTH="107" HPOS="247" VPOS="488" ID="st20-76"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="354" VPOS="488" ID="st20-77"/><SP/><String HEIGHT="23" CONTENT="fundamental" WIDTH="136" HPOS="376" VPOS="488" ID="st20-78"/><SP/><String HEIGHT="23" CONTENT="human" WIDTH="75" HPOS="523" VPOS="488" ID="st20-79"/><SP/><String HEIGHT="23" CONTENT="rights" WIDTH="60" HPOS="608" VPOS="488" ID="st20-80"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="678" VPOS="488" ID="st20-81"/><SP/><String HEIGHT="23" CONTENT="allows" WIDTH="67" HPOS="728" VPOS="488" ID="st20-82"/></TextLine><TextLine HPOS="196" VPOS="524" ID="tl20-9" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="employers" WIDTH="109" HPOS="196" VPOS="524" ID="st20-83"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="315" VPOS="524" ID="st20-84"/><SP/><String HEIGHT="23" CONTENT="undermine" WIDTH="115" HPOS="347" VPOS="524" ID="st20-85"/><SP/><String HEIGHT="23" CONTENT="collective" WIDTH="97" HPOS="473" VPOS="524" ID="st20-86"/><SP/><String HEIGHT="23" CONTENT="action" WIDTH="61" HPOS="580" VPOS="524" ID="st20-87"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="641" VPOS="524" ID="st20-88"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="662" VPOS="524" ID="st20-89"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="694" VPOS="524" ID="st20-90"/><SP/><String HEIGHT="23" CONTENT="point" WIDTH="56" HPOS="739" VPOS="524" ID="st20-91"/></TextLine><TextLine HPOS="196" VPOS="560" ID="tl20-10" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="196" VPOS="560" ID="st20-92"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="245" VPOS="560" ID="st20-93"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="265" VPOS="560" ID="st20-94"/><SP/><String HEIGHT="24" CONTENT="become" WIDTH="85" HPOS="307" VPOS="560" ID="st20-95"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="397" VPOS="560" ID="st20-96"/><SP/><String HEIGHT="24" CONTENT="science" WIDTH="72" HPOS="416" VPOS="560" ID="st20-97"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="488" VPOS="560" ID="st20-98"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="505" VPOS="560" ID="st20-99"/><SP/><String HEIGHT="24" CONTENT="light" WIDTH="47" HPOS="530" VPOS="560" ID="st20-100"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="583" VPOS="560" ID="st20-101"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="611" VPOS="560" ID="st20-102"/><SP/><String HEIGHT="24" CONTENT="shortcomings" WIDTH="143" HPOS="652" VPOS="560" ID="st20-103"/></TextLine><TextLine HPOS="196" VPOS="596" ID="tl20-11" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="196" VPOS="596" ID="st20-104"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="227" VPOS="596" ID="st20-105"/><SP/><String HEIGHT="24" CONTENT="protections" WIDTH="119" HPOS="310" VPOS="596" ID="st20-106"/><SP/><String HEIGHT="24" CONTENT="under" WIDTH="62" HPOS="438" VPOS="596" ID="st20-107"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="509" VPOS="596" ID="st20-108"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="519" VPOS="596" ID="st20-109"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="530" VPOS="596" ID="st20-110"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="541" VPOS="596" ID="st20-111"/><SP/><String HEIGHT="24" CONTENT="law" WIDTH="37" HPOS="560" VPOS="596" ID="st20-112"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="606" VPOS="596" ID="st20-113"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="654" VPOS="596" ID="st20-114"/><SP/><String HEIGHT="24" CONTENT="pervasive" WIDTH="97" HPOS="698" VPOS="596" ID="st20-115"/></TextLine><TextLine HPOS="196" VPOS="632" ID="tl20-12" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="hostility" WIDTH="82" HPOS="196" VPOS="632" ID="st20-116"/><SP/><String HEIGHT="24" CONTENT="toward" WIDTH="76" HPOS="284" VPOS="632" ID="st20-117"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="366" VPOS="632" ID="st20-118"/><SP/><String HEIGHT="24" CONTENT="organization" WIDTH="134" HPOS="447" VPOS="632" ID="st20-119"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="586" VPOS="632" ID="st20-120"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="612" VPOS="632" ID="st20-121"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="622" VPOS="632" ID="st20-122"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="633" VPOS="632" ID="st20-123"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="644" VPOS="632" ID="st20-124"/><SP/><String HEIGHT="24" CONTENT="business" WIDTH="89" HPOS="661" VPOS="632" ID="st20-125"/><SP/><String HEIGHT="24" CONTENT="cul" WIDTH="30" HPOS="756" VPOS="632" ID="st20-126" SUBS_TYPE="HypPart1" SUBS_CONTENT="culture"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="632" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="668" ID="tl20-13" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ture" WIDTH="40" HPOS="196" VPOS="668" ID="st20-127" SUBS_TYPE="HypPart2" SUBS_CONTENT="culture"/><String HEIGHT="24" CONTENT="," WIDTH="10" HPOS="236" VPOS="668" ID="st20-128"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="65" HPOS="252" VPOS="668" ID="st20-129"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="324" VPOS="668" ID="st20-130"/><SP/><String HEIGHT="24" CONTENT="should" WIDTH="71" HPOS="383" VPOS="668" ID="st20-131"/><SP/><String HEIGHT="24" CONTENT="take" WIDTH="46" HPOS="460" VPOS="668" ID="st20-132"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="512" VPOS="668" ID="st20-133"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="531" VPOS="668" ID="st20-134"/><SP/><String HEIGHT="24" CONTENT="proactive" WIDTH="97" HPOS="592" VPOS="668" ID="st20-135"/><SP/><String HEIGHT="24" CONTENT="approach" WIDTH="100" HPOS="695" VPOS="668" ID="st20-136"/></TextLine><TextLine HPOS="196" VPOS="704" ID="tl20-14" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="196" VPOS="704" ID="st20-137"/><SP/><String HEIGHT="24" CONTENT="encouraging" WIDTH="133" HPOS="224" VPOS="704" ID="st20-138"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="362" VPOS="704" ID="st20-139"/><SP/><String HEIGHT="24" CONTENT="voice" WIDTH="50" HPOS="443" VPOS="704" ID="st20-140"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="493" VPOS="704" ID="st20-141"/><SP/><String HEIGHT="24" CONTENT="For" WIDTH="33" HPOS="509" VPOS="704" ID="st20-142"/><SP/><String HEIGHT="24" CONTENT="example" WIDTH="83" HPOS="548" VPOS="704" ID="st20-143"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="631" VPOS="704" ID="st20-144"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="648" VPOS="704" ID="st20-145"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="742" VPOS="704" ID="st20-146"/></TextLine><TextLine HPOS="196" VPOS="740" ID="tl20-15" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="operating" WIDTH="103" HPOS="196" VPOS="740" ID="st20-147"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="306" VPOS="740" ID="st20-148"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="332" VPOS="740" ID="st20-149"/><SP/><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="374" VPOS="740" ID="st20-150"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="384" VPOS="740" ID="st20-151"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="395" VPOS="740" ID="st20-152"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="406" VPOS="740" ID="st20-153"/><SP/><String HEIGHT="24" CONTENT="could" WIDTH="59" HPOS="423" VPOS="740" ID="st20-154"/><SP/><String HEIGHT="24" CONTENT="adopt" WIDTH="62" HPOS="489" VPOS="740" ID="st20-155"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="558" VPOS="740" ID="st20-156"/><SP/><String HEIGHT="24" CONTENT="position" WIDTH="85" HPOS="577" VPOS="740" ID="st20-157"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="669" VPOS="740" ID="st20-158"/><String HEIGHT="24" CONTENT="»" WIDTH="10" HPOS="698" VPOS="740" ID="st20-159"/><String HEIGHT="24" CONTENT="neutral" WIDTH="77" HPOS="708" VPOS="740" ID="st20-160" SUBS_TYPE="HypPart1" SUBS_CONTENT="neutrality"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="740" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="776" ID="tl20-16" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ity" WIDTH="29" HPOS="196" VPOS="776" ID="st20-161" SUBS_TYPE="HypPart2" SUBS_CONTENT="neutrality"/><String HEIGHT="24" CONTENT="«" WIDTH="10" HPOS="225" VPOS="776" ID="st20-162"/><SP/><String HEIGHT="24" CONTENT="toward" WIDTH="76" HPOS="241" VPOS="776" ID="st20-163"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="323" VPOS="776" ID="st20-164"/><SP/><String HEIGHT="24" CONTENT="organizing" WIDTH="109" HPOS="404" VPOS="776" ID="st20-165"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="513" VPOS="776" ID="st20-166"/><SP/><String HEIGHT="24" CONTENT="Governmental" WIDTH="151" HPOS="530" VPOS="776" ID="st20-167"/><SP/><String HEIGHT="24" CONTENT="actors" WIDTH="64" HPOS="687" VPOS="776" ID="st20-168"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="757" VPOS="776" ID="st20-169"/></TextLine><TextLine HPOS="196" VPOS="813" ID="tl20-17" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="support" WIDTH="82" HPOS="196" VPOS="813" ID="st20-170"/><SP/><String HEIGHT="23" CONTENT="policies" WIDTH="78" HPOS="288" VPOS="813" ID="st20-171"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="376" VPOS="813" ID="st20-172"/><SP/><String HEIGHT="23" CONTENT="facilitate" WIDTH="90" HPOS="429" VPOS="813" ID="st20-173"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="80" HPOS="529" VPOS="813" ID="st20-174"/><String HEIGHT="23" CONTENT="’" WIDTH="12" HPOS="609" VPOS="813" ID="st20-175"/><SP/><String HEIGHT="23" CONTENT="freedom" WIDTH="90" HPOS="631" VPOS="813" ID="st20-176"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="731" VPOS="813" ID="st20-177"/><SP/><String HEIGHT="23" CONTENT="ex" WIDTH="22" HPOS="763" VPOS="813" ID="st20-178" SUBS_TYPE="HypPart1" SUBS_CONTENT="expression"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="813" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="849" ID="tl20-18" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="pression" WIDTH="83" HPOS="196" VPOS="849" ID="st20-179" SUBS_TYPE="HypPart2" SUBS_CONTENT="expression"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="279" VPOS="849" ID="st20-180"/><SP/><String HEIGHT="23" CONTENT="organization" WIDTH="129" HPOS="299" VPOS="849" ID="st20-181"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="428" VPOS="849" ID="st20-182"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="447" VPOS="849" ID="st20-183"/><SP/><String HEIGHT="23" CONTENT="collective" WIDTH="97" HPOS="496" VPOS="849" ID="st20-184"/><SP/><String HEIGHT="23" CONTENT="bargaining" WIDTH="110" HPOS="602" VPOS="849" ID="st20-185"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="712" VPOS="849" ID="st20-186"/><SP/><String HEIGHT="23" CONTENT="rather" WIDTH="64" HPOS="731" VPOS="849" ID="st20-187"/></TextLine><TextLine HPOS="196" VPOS="885" ID="tl20-19" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="than" WIDTH="49" HPOS="196" VPOS="885" ID="st20-188"/><SP/><String HEIGHT="24" CONTENT="undermine" WIDTH="115" HPOS="254" VPOS="885" ID="st20-189"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="378" VPOS="885" ID="st20-190"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="401" VPOS="885" ID="st20-191"/><SP/><String HEIGHT="24" CONTENT="policies" WIDTH="78" HPOS="457" VPOS="885" ID="st20-192"/><SP/><String HEIGHT="24" CONTENT="such" WIDTH="49" HPOS="544" VPOS="885" ID="st20-193"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="602" VPOS="885" ID="st20-194"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="633" VPOS="885" ID="st20-195"/><SP/><String HEIGHT="24" CONTENT="deceptively" WIDTH="118" HPOS="677" VPOS="885" ID="st20-196"/></TextLine><TextLine HPOS="196" VPOS="921" ID="tl20-20" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="named" WIDTH="74" HPOS="196" VPOS="921" ID="st20-197"/><String HEIGHT="24" CONTENT="»" WIDTH="10" HPOS="278" VPOS="921" ID="st20-198"/><String HEIGHT="24" CONTENT="right" WIDTH="54" HPOS="288" VPOS="921" ID="st20-199"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="350" VPOS="921" ID="st20-200"/><SP/><String HEIGHT="24" CONTENT="work" WIDTH="54" HPOS="381" VPOS="921" ID="st20-201"/><String HEIGHT="24" CONTENT="«" WIDTH="14" HPOS="435" VPOS="921" ID="st20-202"/><SP/><String HEIGHT="24" CONTENT="laws" WIDTH="47" HPOS="457" VPOS="921" ID="st20-203"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="512" VPOS="921" ID="st20-204"/><SP/><String HEIGHT="24" CONTENT="undermine" WIDTH="115" HPOS="564" VPOS="921" ID="st20-205"/><SP/><String HEIGHT="24" CONTENT="core" WIDTH="45" HPOS="687" VPOS="921" ID="st20-206"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="741" VPOS="921" ID="st20-207"/></TextLine><TextLine HPOS="196" VPOS="957" ID="tl20-21" WIDTH="110" HEIGHT="24"><String HEIGHT="24" CONTENT="standards" WIDTH="99" HPOS="196" VPOS="957" ID="st20-208"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="295" VPOS="957" ID="st20-209"/></TextLine><TextLine HPOS="306" VPOS="956" ID="tl20-22" WIDTH="16" HEIGHT="14"><String HEIGHT="14" CONTENT="12" WIDTH="16" HPOS="306" VPOS="956" ID="st20-210"/></TextLine><TextLine HPOS="196" VPOS="1031" ID="tl20-23" WIDTH="13" HEIGHT="16"><String HEIGHT="16" CONTENT="" WIDTH="13" HPOS="196" VPOS="1031" ID="st20-211"/></TextLine><TextLine HPOS="209" VPOS="1032" ID="tl20-24" WIDTH="4" HEIGHT="16"><String HEIGHT="16" CONTENT="" WIDTH="4" HPOS="209" VPOS="1032" ID="st20-212"/></TextLine><TextLine HPOS="228" VPOS="1029" ID="tl20-25" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="Including" WIDTH="97" HPOS="228" VPOS="1029" ID="st20-213"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="333" VPOS="1029" ID="st20-214"/><SP/><String HEIGHT="24" CONTENT="voices" WIDTH="64" HPOS="415" VPOS="1029" ID="st20-215"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="487" VPOS="1029" ID="st20-216"/><SP/><String HEIGHT="24" CONTENT="governance" WIDTH="124" HPOS="514" VPOS="1029" ID="st20-217"/><SP/><String HEIGHT="24" CONTENT="solutions" WIDTH="91" HPOS="645" VPOS="1029" ID="st20-218"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="736" VPOS="1029" ID="st20-219"/><SP/><String HEIGHT="24" CONTENT="For" WIDTH="30" HPOS="755" VPOS="1029" ID="st20-220" SUBS_TYPE="HypPart1" SUBS_CONTENT="Formally"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1029" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1065" ID="tl20-26" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="mally" WIDTH="56" HPOS="196" VPOS="1065" ID="st20-221" SUBS_TYPE="HypPart2" SUBS_CONTENT="Formally"/><SP/><String HEIGHT="24" CONTENT="providing" WIDTH="99" HPOS="259" VPOS="1065" ID="st20-222"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="365" VPOS="1065" ID="st20-223"/><SP/><String HEIGHT="24" CONTENT="voice" WIDTH="54" HPOS="384" VPOS="1065" ID="st20-224"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="445" VPOS="1065" ID="st20-225"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="84" HPOS="483" VPOS="1065" ID="st20-226"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="574" VPOS="1065" ID="st20-227"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="600" VPOS="1065" ID="st20-228"/><SP/><String HEIGHT="24" CONTENT="governance" WIDTH="124" HPOS="642" VPOS="1065" ID="st20-229"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="773" VPOS="1065" ID="st20-230"/></TextLine><TextLine HPOS="196" VPOS="1101" ID="tl20-27" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="196" VPOS="1101" ID="st20-231"/><SP/><String HEIGHT="24" CONTENT="institution" WIDTH="107" HPOS="230" VPOS="1101" ID="st20-232"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="344" VPOS="1101" ID="st20-233"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="387" VPOS="1101" ID="st20-234"/><SP/><String HEIGHT="24" CONTENT="shown" WIDTH="71" HPOS="447" VPOS="1101" ID="st20-235"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="525" VPOS="1101" ID="st20-236"/><SP/><String HEIGHT="24" CONTENT="provide" WIDTH="78" HPOS="555" VPOS="1101" ID="st20-237"/><SP/><String HEIGHT="24" CONTENT="multiple" WIDTH="87" HPOS="640" VPOS="1101" ID="st20-238"/><SP/><String HEIGHT="24" CONTENT="bene" WIDTH="49" HPOS="734" VPOS="1101" ID="st20-239" SUBS_TYPE="HypPart1" SUBS_CONTENT="benefits"/><HYP CONTENT="-" WIDTH="12" HPOS="783" VPOS="1101" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1138" ID="tl20-28" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="fits" WIDTH="32" HPOS="196" VPOS="1138" ID="st20-240" SUBS_TYPE="HypPart2" SUBS_CONTENT="benefits"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="234" VPOS="1138" ID="st20-241"/><SP/><String HEIGHT="23" CONTENT="accrue" WIDTH="70" HPOS="282" VPOS="1138" ID="st20-242"/><SP/><String HEIGHT="23" CONTENT="not" WIDTH="36" HPOS="357" VPOS="1138" ID="st20-243"/><SP/><String HEIGHT="23" CONTENT="just" WIDTH="37" HPOS="399" VPOS="1138" ID="st20-244"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="442" VPOS="1138" ID="st20-245"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="80" HPOS="469" VPOS="1138" ID="st20-246"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="549" VPOS="1138" ID="st20-247"/><SP/><String HEIGHT="23" CONTENT="but" WIDTH="37" HPOS="566" VPOS="1138" ID="st20-248"/><SP/><String HEIGHT="23" CONTENT="also" WIDTH="42" HPOS="608" VPOS="1138" ID="st20-249"/><SP/><String HEIGHT="23" CONTENT="to" WIDTH="22" HPOS="655" VPOS="1138" ID="st20-250"/><SP/><String HEIGHT="23" CONTENT="sharehold" WIDTH="101" HPOS="683" VPOS="1138" ID="st20-251" SUBS_TYPE="HypPart1" SUBS_CONTENT="shareholders"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1138" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1174" ID="tl20-29" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="ers" WIDTH="28" HPOS="196" VPOS="1174" ID="st20-252" SUBS_TYPE="HypPart2" SUBS_CONTENT="shareholders"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="224" VPOS="1174" ID="st20-253"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="244" VPOS="1174" ID="st20-254"/><SP/><String HEIGHT="23" CONTENT="firm" WIDTH="40" HPOS="289" VPOS="1174" ID="st20-255"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="329" VPOS="1174" ID="st20-256"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="350" VPOS="1174" ID="st20-257"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="400" VPOS="1174" ID="st20-258"/><SP/><String HEIGHT="23" CONTENT="broader" WIDTH="82" HPOS="446" VPOS="1174" ID="st20-259"/><SP/><String HEIGHT="23" CONTENT="economy" WIDTH="89" HPOS="539" VPOS="1174" ID="st20-260"/><String HEIGHT="23" CONTENT="." WIDTH="13" HPOS="628" VPOS="1174" ID="st20-261"/><SP/><String HEIGHT="23" CONTENT="Two" WIDTH="44" HPOS="651" VPOS="1174" ID="st20-262"/><SP/><String HEIGHT="23" CONTENT="effective" WIDTH="90" HPOS="705" VPOS="1174" ID="st20-263"/></TextLine><TextLine HPOS="196" VPOS="1210" ID="tl20-30" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="existing" WIDTH="81" HPOS="196" VPOS="1210" ID="st20-264"/><SP/><String HEIGHT="24" CONTENT="models" WIDTH="77" HPOS="289" VPOS="1210" ID="st20-265"/><SP/><String HEIGHT="24" CONTENT="include" WIDTH="77" HPOS="377" VPOS="1210" ID="st20-266"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="466" VPOS="1210" ID="st20-267"/><SP/><String HEIGHT="24" CONTENT="German" WIDTH="87" HPOS="512" VPOS="1210" ID="st20-268"/><SP/><String HEIGHT="24" CONTENT="co" WIDTH="23" HPOS="610" VPOS="1210" ID="st20-269"/><String HEIGHT="24" CONTENT="-" WIDTH="11" HPOS="633" VPOS="1210" ID="st20-270"/><String HEIGHT="24" CONTENT="determination" WIDTH="151" HPOS="644" VPOS="1210" ID="st20-271"/></TextLine><TextLine HPOS="196" VPOS="1246" ID="tl20-31" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="model" WIDTH="67" HPOS="196" VPOS="1246" ID="st20-272"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="274" VPOS="1246" ID="st20-273"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="325" VPOS="1246" ID="st20-274"/><SP/><String HEIGHT="24" CONTENT="European" WIDTH="101" HPOS="371" VPOS="1246" ID="st20-275"/><SP/><String HEIGHT="24" CONTENT="Works" WIDTH="68" HPOS="483" VPOS="1246" ID="st20-276"/><SP/><String HEIGHT="24" CONTENT="Council" WIDTH="80" HPOS="562" VPOS="1246" ID="st20-277"/><SP/><String HEIGHT="24" CONTENT="model" WIDTH="67" HPOS="653" VPOS="1246" ID="st20-278"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="731" VPOS="1246" ID="st20-279"/><String HEIGHT="24" CONTENT="espe" WIDTH="44" HPOS="741" VPOS="1246" ID="st20-280" SUBS_TYPE="HypPart1" SUBS_CONTENT="especially"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1246" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1282" ID="tl20-32" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="cially" WIDTH="52" HPOS="196" VPOS="1282" ID="st20-281" SUBS_TYPE="HypPart2" SUBS_CONTENT="especially"/><SP/><String HEIGHT="24" CONTENT="effective" WIDTH="90" HPOS="255" VPOS="1282" ID="st20-282"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="352" VPOS="1282" ID="st20-283"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="379" VPOS="1282" ID="st20-284"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="420" VPOS="1282" ID="st20-285"/><String HEIGHT="24" CONTENT="Nordic" WIDTH="72" HPOS="431" VPOS="1282" ID="st20-286"/><SP/><String HEIGHT="24" CONTENT="Model" WIDTH="68" HPOS="511" VPOS="1282" ID="st20-287"/><String HEIGHT="24" CONTENT="«" WIDTH="14" HPOS="579" VPOS="1282" ID="st20-288"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="600" VPOS="1282" ID="st20-289"/><SP/><String HEIGHT="24" CONTENT="which" WIDTH="64" HPOS="626" VPOS="1282" ID="st20-290"/><SP/><String HEIGHT="24" CONTENT="there" WIDTH="56" HPOS="697" VPOS="1282" ID="st20-291"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="15" HPOS="760" VPOS="1282" ID="st20-292"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="782" VPOS="1282" ID="st20-293"/></TextLine><TextLine HPOS="196" VPOS="1318" ID="tl20-33" WIDTH="355" HEIGHT="24"><String HEIGHT="24" CONTENT="high" WIDTH="48" HPOS="196" VPOS="1318" ID="st20-294"/><SP/><String HEIGHT="24" CONTENT="level" WIDTH="47" HPOS="251" VPOS="1318" ID="st20-295"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="305" VPOS="1318" ID="st20-296"/><SP/><String HEIGHT="24" CONTENT="union" WIDTH="61" HPOS="334" VPOS="1318" ID="st20-297"/><SP/><String HEIGHT="24" CONTENT="engagement" WIDTH="124" HPOS="402" VPOS="1318" ID="st20-298"/><String HEIGHT="24" CONTENT=")" WIDTH="12" HPOS="526" VPOS="1318" ID="st20-299"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="538" VPOS="1318" ID="st20-300"/></TextLine><TextLine HPOS="196" VPOS="1392" ID="tl20-34" WIDTH="13" HEIGHT="17"><String HEIGHT="17" CONTENT="" WIDTH="13" HPOS="196" VPOS="1392" ID="st20-301"/></TextLine><TextLine HPOS="209" VPOS="1393" ID="tl20-35" WIDTH="4" HEIGHT="16"><String HEIGHT="16" CONTENT="" WIDTH="4" HPOS="209" VPOS="1393" ID="st20-302"/></TextLine><TextLine HPOS="228" VPOS="1390" ID="tl20-36" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="Supporting" WIDTH="118" HPOS="228" VPOS="1390" ID="st20-303"/><SP/><String HEIGHT="24" CONTENT="research" WIDTH="89" HPOS="356" VPOS="1390" ID="st20-304"/><SP/><String HEIGHT="24" CONTENT="into" WIDTH="41" HPOS="455" VPOS="1390" ID="st20-305"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="506" VPOS="1390" ID="st20-306"/><SP/><String HEIGHT="24" CONTENT="positive" WIDTH="81" HPOS="551" VPOS="1390" ID="st20-307"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="642" VPOS="1390" ID="st20-308"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="692" VPOS="1390" ID="st20-309"/><SP/><String HEIGHT="24" CONTENT="quality" WIDTH="71" HPOS="724" VPOS="1390" ID="st20-310"/></TextLine><TextLine HPOS="196" VPOS="1426" ID="tl20-37" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="jobs" WIDTH="44" HPOS="196" VPOS="1426" ID="st20-311"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="251" VPOS="1426" ID="st20-312"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="303" VPOS="1426" ID="st20-313"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="55" HPOS="382" VPOS="1426" ID="st20-314"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="115" HPOS="448" VPOS="1426" ID="st20-315"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="563" VPOS="1426" ID="st20-316"/><SP/><String HEIGHT="24" CONTENT="This" WIDTH="42" HPOS="584" VPOS="1426" ID="st20-317"/><SP/><String HEIGHT="24" CONTENT="paper" WIDTH="61" HPOS="637" VPOS="1426" ID="st20-318"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="710" VPOS="1426" ID="st20-319"/><SP/><String HEIGHT="24" CONTENT="laid" WIDTH="38" HPOS="757" VPOS="1426" ID="st20-320"/></TextLine><TextLine HPOS="196" VPOS="1463" ID="tl20-38" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="out" WIDTH="36" HPOS="196" VPOS="1463" ID="st20-321"/><SP/><String HEIGHT="23" CONTENT="several" WIDTH="73" HPOS="243" VPOS="1463" ID="st20-322"/><SP/><String HEIGHT="23" CONTENT="ways" WIDTH="52" HPOS="327" VPOS="1463" ID="st20-323"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="390" VPOS="1463" ID="st20-324"/><SP/><String HEIGHT="23" CONTENT="instances" WIDTH="97" HPOS="442" VPOS="1463" ID="st20-325"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="550" VPOS="1463" ID="st20-326"/><SP/><String HEIGHT="23" CONTENT="which" WIDTH="64" HPOS="580" VPOS="1463" ID="st20-327"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="655" VPOS="1463" ID="st20-328"/><SP/><String HEIGHT="23" CONTENT="presence" WIDTH="94" HPOS="701" VPOS="1463" ID="st20-329"/></TextLine><TextLine HPOS="196" VPOS="1499" ID="tl20-39" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="196" VPOS="1499" ID="st20-330"/><SP/><String HEIGHT="23" CONTENT="strong" WIDTH="67" HPOS="229" VPOS="1499" ID="st20-331"/><SP/><String HEIGHT="23" CONTENT="labor" WIDTH="54" HPOS="307" VPOS="1499" ID="st20-332"/><SP/><String HEIGHT="23" CONTENT="institutions" WIDTH="117" HPOS="371" VPOS="1499" ID="st20-333"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="498" VPOS="1499" ID="st20-334"/><SP/><String HEIGHT="23" CONTENT="supported" WIDTH="108" HPOS="558" VPOS="1499" ID="st20-335"/><SP/><String HEIGHT="23" CONTENT="better" WIDTH="64" HPOS="676" VPOS="1499" ID="st20-336"/><SP/><String HEIGHT="23" CONTENT="out" WIDTH="34" HPOS="750" VPOS="1499" ID="st20-337" SUBS_TYPE="HypPart1" SUBS_CONTENT="outcomes"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1499" HEIGHT="23"/></TextLine><TextLine HPOS="196" VPOS="1535" ID="tl20-40" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="comes" WIDTH="68" HPOS="196" VPOS="1535" ID="st20-338" SUBS_TYPE="HypPart2" SUBS_CONTENT="outcomes"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="271" VPOS="1535" ID="st20-339"/><SP/><String HEIGHT="24" CONTENT="multiple" WIDTH="86" HPOS="309" VPOS="1535" ID="st20-340"/><SP/><String HEIGHT="24" CONTENT="stakeholders" WIDTH="129" HPOS="402" VPOS="1535" ID="st20-341"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="531" VPOS="1535" ID="st20-342"/><SP/><String HEIGHT="24" CONTENT="yet" WIDTH="32" HPOS="549" VPOS="1535" ID="st20-343"/><SP/><String HEIGHT="24" CONTENT="research" WIDTH="88" HPOS="588" VPOS="1535" ID="st20-344"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="682" VPOS="1535" ID="st20-345"/><SP/><String HEIGHT="24" CONTENT="this" WIDTH="37" HPOS="709" VPOS="1535" ID="st20-346"/><SP/><String HEIGHT="24" CONTENT="pol" WIDTH="32" HPOS="753" VPOS="1535" ID="st20-347" SUBS_TYPE="HypPart1" SUBS_CONTENT="policy"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="1535" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1571" ID="tl20-41" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="icy" WIDTH="28" HPOS="196" VPOS="1571" ID="st20-348" SUBS_TYPE="HypPart2" SUBS_CONTENT="policy"/><SP/><String HEIGHT="24" CONTENT="space" WIDTH="59" HPOS="232" VPOS="1571" ID="st20-349"/><SP/><String HEIGHT="24" CONTENT="remains" WIDTH="83" HPOS="299" VPOS="1571" ID="st20-350"/><SP/><String HEIGHT="24" CONTENT="scant" WIDTH="52" HPOS="389" VPOS="1571" ID="st20-351"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="441" VPOS="1571" ID="st20-352"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="459" VPOS="1571" ID="st20-353"/><SP/><String HEIGHT="24" CONTENT="neoliberal" WIDTH="104" HPOS="506" VPOS="1571" ID="st20-354"/><SP/><String HEIGHT="24" CONTENT="brand" WIDTH="63" HPOS="617" VPOS="1571" ID="st20-355"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="687" VPOS="1571" ID="st20-356"/><SP/><String HEIGHT="24" CONTENT="capital" WIDTH="69" HPOS="717" VPOS="1571" ID="st20-357" SUBS_TYPE="HypPart1" SUBS_CONTENT="capitalism"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="1571" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1607" ID="tl20-42" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="ism" WIDTH="36" HPOS="196" VPOS="1607" ID="st20-358" SUBS_TYPE="HypPart2" SUBS_CONTENT="capitalism"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="241" VPOS="1607" ID="st20-359"/><SP/><String HEIGHT="24" CONTENT="grown" WIDTH="69" HPOS="285" VPOS="1607" ID="st20-360"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="362" VPOS="1607" ID="st20-361"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="421" VPOS="1607" ID="st20-362"/><SP/><String HEIGHT="24" CONTENT="theory" WIDTH="68" HPOS="442" VPOS="1607" ID="st20-363"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="23" HPOS="518" VPOS="1607" ID="st20-364"/><SP/><String HEIGHT="24" CONTENT="finance" WIDTH="78" HPOS="549" VPOS="1607" ID="st20-365"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="635" VPOS="1607" ID="st20-366"/><SP/><String HEIGHT="24" CONTENT="an" WIDTH="27" HPOS="665" VPOS="1607" ID="st20-367"/><SP/><String HEIGHT="24" CONTENT="ideology" WIDTH="84" HPOS="700" VPOS="1607" ID="st20-368"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="784" VPOS="1607" ID="st20-369"/></TextLine><TextLine HPOS="196" VPOS="1643" ID="tl20-43" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="even" WIDTH="50" HPOS="196" VPOS="1643" ID="st20-370"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="257" VPOS="1643" ID="st20-371"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="289" VPOS="1643" ID="st20-372"/><SP/><String HEIGHT="24" CONTENT="empirical" WIDTH="96" HPOS="334" VPOS="1643" ID="st20-373"/><SP/><String HEIGHT="24" CONTENT="basis" WIDTH="51" HPOS="440" VPOS="1643" ID="st20-374"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="501" VPOS="1643" ID="st20-375"/><SP/><String HEIGHT="24" CONTENT="many" WIDTH="58" HPOS="542" VPOS="1643" ID="st20-376"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="611" VPOS="1643" ID="st20-377"/><SP/><String HEIGHT="24" CONTENT="its" WIDTH="24" HPOS="643" VPOS="1643" ID="st20-378"/><SP/><String HEIGHT="24" CONTENT="fundamen" WIDTH="105" HPOS="677" VPOS="1643" ID="st20-379" SUBS_TYPE="HypPart1" SUBS_CONTENT="fundamental"/><HYP CONTENT="-" WIDTH="13" HPOS="782" VPOS="1643" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1679" ID="tl20-44" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="tal" WIDTH="27" HPOS="196" VPOS="1679" ID="st20-380" SUBS_TYPE="HypPart2" SUBS_CONTENT="fundamental"/><SP/><String HEIGHT="24" CONTENT="assumptions" WIDTH="132" HPOS="231" VPOS="1679" ID="st20-381"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="372" VPOS="1679" ID="st20-382"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="417" VPOS="1679" ID="st20-383"/><SP/><String HEIGHT="24" CONTENT="eroded" WIDTH="70" HPOS="478" VPOS="1679" ID="st20-384"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="548" VPOS="1679" ID="st20-385"/><SP/><String HEIGHT="24" CONTENT="There" WIDTH="60" HPOS="568" VPOS="1679" ID="st20-386"/><SP/><String HEIGHT="24" CONTENT="is" WIDTH="16" HPOS="636" VPOS="1679" ID="st20-387"/><SP/><String HEIGHT="24" CONTENT="growing" WIDTH="89" HPOS="660" VPOS="1679" ID="st20-388"/><SP/><String HEIGHT="24" CONTENT="evi" WIDTH="29" HPOS="757" VPOS="1679" ID="st20-389" SUBS_TYPE="HypPart1" SUBS_CONTENT="evidence"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="1679" HEIGHT="24"/></TextLine><TextLine HPOS="196" VPOS="1715" ID="tl20-45" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="dence" WIDTH="59" HPOS="196" VPOS="1715" ID="st20-390" SUBS_TYPE="HypPart2" SUBS_CONTENT="evidence"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="255" VPOS="1715" ID="st20-391"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="28" HPOS="278" VPOS="1715" ID="st20-392"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="317" VPOS="1715" ID="st20-393"/><SP/><String HEIGHT="24" CONTENT="other" WIDTH="57" HPOS="362" VPOS="1715" ID="st20-394"/><SP/><String HEIGHT="24" CONTENT="hand" WIDTH="48" HPOS="430" VPOS="1715" ID="st20-395"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="478" VPOS="1715" ID="st20-396"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="502" VPOS="1715" ID="st20-397"/><SP/><String HEIGHT="24" CONTENT="good" WIDTH="55" HPOS="556" VPOS="1715" ID="st20-398"/><SP/><String HEIGHT="24" CONTENT="jobs" WIDTH="43" HPOS="622" VPOS="1715" ID="st20-399"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="676" VPOS="1715" ID="st20-400"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="68" HPOS="727" VPOS="1715" ID="st20-401"/></TextLine><TextLine HPOS="196" VPOS="1751" ID="tl20-46" WIDTH="599" HEIGHT="24"><String HEIGHT="24" CONTENT="labor" WIDTH="55" HPOS="196" VPOS="1751" ID="st20-402"/><SP/><String HEIGHT="24" CONTENT="institutions" WIDTH="117" HPOS="263" VPOS="1751" ID="st20-403"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="392" VPOS="1751" ID="st20-404"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="83" HPOS="441" VPOS="1751" ID="st20-405"/><SP/><String HEIGHT="24" CONTENT="macroeconomic" WIDTH="170" HPOS="535" VPOS="1751" ID="st20-406"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="78" HPOS="717" VPOS="1751" ID="st20-407"/></TextLine><TextLine HPOS="196" VPOS="1788" ID="tl20-47" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="and" WIDTH="41" HPOS="196" VPOS="1788" ID="st20-408"/><SP/><String HEIGHT="23" CONTENT="stability" WIDTH="81" HPOS="243" VPOS="1788" ID="st20-409"/><String HEIGHT="23" CONTENT="(" WIDTH="9" HPOS="331" VPOS="1788" ID="st20-410"/><String HEIGHT="23" CONTENT="e" WIDTH="9" HPOS="340" VPOS="1788" ID="st20-411"/><String HEIGHT="23" CONTENT="." WIDTH="9" HPOS="349" VPOS="1788" ID="st20-412"/><String HEIGHT="23" CONTENT="g" WIDTH="9" HPOS="358" VPOS="1788" ID="st20-413"/><String HEIGHT="23" CONTENT="." WIDTH="9" HPOS="367" VPOS="1788" ID="st20-414"/><String HEIGHT="23" CONTENT="," WIDTH="9" HPOS="376" VPOS="1788" ID="st20-415"/><SP/><String HEIGHT="23" CONTENT="by" WIDTH="25" HPOS="392" VPOS="1788" ID="st20-416"/><SP/><String HEIGHT="23" CONTENT="supporting" WIDTH="116" HPOS="423" VPOS="1788" ID="st20-417"/><SP/><String HEIGHT="23" CONTENT="aggregate" WIDTH="107" HPOS="546" VPOS="1788" ID="st20-418"/><SP/><String HEIGHT="23" CONTENT="demand" WIDTH="88" HPOS="660" VPOS="1788" ID="st20-419"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="755" VPOS="1788" ID="st20-420"/></TextLine><TextLine HPOS="196" VPOS="1824" ID="tl20-48" WIDTH="599" HEIGHT="23"><String HEIGHT="23" CONTENT="stabilizing" WIDTH="106" HPOS="196" VPOS="1824" ID="st20-421"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="310" VPOS="1824" ID="st20-422"/><SP/><String HEIGHT="23" CONTENT="workforce" WIDTH="108" HPOS="353" VPOS="1824" ID="st20-423"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="469" VPOS="1824" ID="st20-424"/><SP/><String HEIGHT="23" CONTENT="a" WIDTH="13" HPOS="496" VPOS="1824" ID="st20-425"/><SP/><String HEIGHT="23" CONTENT="crisis" WIDTH="48" HPOS="517" VPOS="1824" ID="st20-426"/><String HEIGHT="23" CONTENT=")" WIDTH="8" HPOS="565" VPOS="1824" ID="st20-427"/><String HEIGHT="23" CONTENT="." WIDTH="8" HPOS="573" VPOS="1824" ID="st20-428"/><SP/><String HEIGHT="23" CONTENT="Additional" WIDTH="110" HPOS="589" VPOS="1824" ID="st20-429"/><SP/><String HEIGHT="23" CONTENT="research" WIDTH="88" HPOS="707" VPOS="1824" ID="st20-430"/></TextLine><TextLine HPOS="196" VPOS="1883" ID="tl20-49" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="12" WIDTH="16" HPOS="196" VPOS="1883" ID="st20-431"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="212" VPOS="1883" ID="st20-432"/><String HEIGHT="18" CONTENT=" " WIDTH="8" HPOS="220" VPOS="1883" ID="st20-433"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="233" VPOS="1883" ID="st20-434"/><SP/><String HEIGHT="18" CONTENT="misleading" WIDTH="88" HPOS="268" VPOS="1883" ID="st20-435"/><String HEIGHT="18" CONTENT="»" WIDTH="8" HPOS="360" VPOS="1883" ID="st20-436"/><String HEIGHT="18" CONTENT="right" WIDTH="42" HPOS="368" VPOS="1883" ID="st20-437"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="18" HPOS="414" VPOS="1883" ID="st20-438"/><SP/><String HEIGHT="18" CONTENT="work" WIDTH="42" HPOS="436" VPOS="1883" ID="st20-439"/><String HEIGHT="18" CONTENT="«" WIDTH="11" HPOS="478" VPOS="1883" ID="st20-440"/><SP/><String HEIGHT="18" CONTENT="label" WIDTH="39" HPOS="493" VPOS="1883" ID="st20-441"/><SP/><String HEIGHT="18" CONTENT="refers" WIDTH="46" HPOS="536" VPOS="1883" ID="st20-442"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="18" HPOS="586" VPOS="1883" ID="st20-443"/><SP/><String HEIGHT="18" CONTENT="state" WIDTH="40" HPOS="608" VPOS="1883" ID="st20-444"/><SP/><String HEIGHT="18" CONTENT="laws" WIDTH="37" HPOS="652" VPOS="1883" ID="st20-445"/><SP/><String HEIGHT="18" CONTENT="that" WIDTH="33" HPOS="693" VPOS="1883" ID="st20-446"/><SP/><String HEIGHT="18" CONTENT="prohibit" WIDTH="64" HPOS="731" VPOS="1883" ID="st20-447"/></TextLine><TextLine HPOS="196" VPOS="1906" ID="tl20-50" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="employers" WIDTH="85" HPOS="196" VPOS="1906" ID="st20-448"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="288" VPOS="1906" ID="st20-449"/><SP/><String HEIGHT="19" CONTENT="unions" WIDTH="55" HPOS="326" VPOS="1906" ID="st20-450"/><SP/><String HEIGHT="19" CONTENT="from" WIDTH="40" HPOS="388" VPOS="1906" ID="st20-451"/><SP/><String HEIGHT="19" CONTENT="agreeing" WIDTH="72" HPOS="435" VPOS="1906" ID="st20-452"/><SP/><String HEIGHT="19" CONTENT="that" WIDTH="34" HPOS="514" VPOS="1906" ID="st20-453"/><SP/><String HEIGHT="19" CONTENT="all" WIDTH="18" HPOS="555" VPOS="1906" ID="st20-454"/><SP/><String HEIGHT="19" CONTENT="represented" WIDTH="98" HPOS="580" VPOS="1906" ID="st20-455"/><SP/><String HEIGHT="19" CONTENT="workers" WIDTH="66" HPOS="685" VPOS="1906" ID="st20-456"/><SP/><String HEIGHT="19" CONTENT="shall" WIDTH="37" HPOS="758" VPOS="1906" ID="st20-457"/></TextLine><TextLine HPOS="196" VPOS="1929" ID="tl20-51" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="pay" WIDTH="30" HPOS="196" VPOS="1929" ID="st20-458"/><SP/><String HEIGHT="19" CONTENT="union" WIDTH="47" HPOS="232" VPOS="1929" ID="st20-459"/><SP/><String HEIGHT="19" CONTENT="dues" WIDTH="39" HPOS="286" VPOS="1929" ID="st20-460"/><SP/><String HEIGHT="19" CONTENT="if" WIDTH="11" HPOS="331" VPOS="1929" ID="st20-461"/><SP/><String HEIGHT="19" CONTENT="they" WIDTH="35" HPOS="348" VPOS="1929" ID="st20-462"/><SP/><String HEIGHT="19" CONTENT="are" WIDTH="25" HPOS="390" VPOS="1929" ID="st20-463"/><SP/><String HEIGHT="19" CONTENT="members" WIDTH="71" HPOS="422" VPOS="1929" ID="st20-464"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="493" VPOS="1929" ID="st20-465"/><SP/><String HEIGHT="19" CONTENT="or" WIDTH="17" HPOS="510" VPOS="1929" ID="st20-466"/><SP/><String HEIGHT="19" CONTENT="pay" WIDTH="29" HPOS="534" VPOS="1929" ID="st20-467"/><SP/><String HEIGHT="19" CONTENT="agency" WIDTH="58" HPOS="569" VPOS="1929" ID="st20-468"/><SP/><String HEIGHT="19" CONTENT="fees" WIDTH="33" HPOS="634" VPOS="1929" ID="st20-469"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="673" VPOS="1929" ID="st20-470"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="697" VPOS="1929" ID="st20-471"/><SP/><String HEIGHT="19" CONTENT="union" WIDTH="48" HPOS="730" VPOS="1929" ID="st20-472"/><SP/><String HEIGHT="19" CONTENT="if" WIDTH="11" HPOS="784" VPOS="1929" ID="st20-473"/></TextLine><TextLine HPOS="196" VPOS="1953" ID="tl20-52" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="they" WIDTH="36" HPOS="196" VPOS="1953" ID="st20-474"/><SP/><String HEIGHT="18" CONTENT="are" WIDTH="26" HPOS="237" VPOS="1953" ID="st20-475"/><SP/><String HEIGHT="18" CONTENT="not" WIDTH="28" HPOS="268" VPOS="1953" ID="st20-476"/><SP/><String HEIGHT="18" CONTENT="members" WIDTH="71" HPOS="301" VPOS="1953" ID="st20-477"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="372" VPOS="1953" ID="st20-478"/><SP/><String HEIGHT="18" CONTENT="Under" WIDTH="50" HPOS="388" VPOS="1953" ID="st20-479"/><SP/><String HEIGHT="18" CONTENT="U" WIDTH="8" HPOS="443" VPOS="1953" ID="st20-480"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="451" VPOS="1953" ID="st20-481"/><String HEIGHT="18" CONTENT="S" WIDTH="8" HPOS="460" VPOS="1953" ID="st20-482"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="468" VPOS="1953" ID="st20-483"/><SP/><String HEIGHT="18" CONTENT="law" WIDTH="24" HPOS="482" VPOS="1953" ID="st20-484"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="506" VPOS="1953" ID="st20-485"/><SP/><String HEIGHT="18" CONTENT="no" WIDTH="22" HPOS="520" VPOS="1953" ID="st20-486"/><SP/><String HEIGHT="18" CONTENT="worker" WIDTH="58" HPOS="547" VPOS="1953" ID="st20-487"/><SP/><String HEIGHT="18" CONTENT="can" WIDTH="29" HPOS="610" VPOS="1953" ID="st20-488"/><SP/><String HEIGHT="18" CONTENT="ever" WIDTH="35" HPOS="644" VPOS="1953" ID="st20-489"/><SP/><String HEIGHT="18" CONTENT="be" WIDTH="21" HPOS="684" VPOS="1953" ID="st20-490"/><SP/><String HEIGHT="18" CONTENT="compelled" WIDTH="86" HPOS="709" VPOS="1953" ID="st20-491"/></TextLine><TextLine HPOS="196" VPOS="1976" ID="tl20-53" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="196" VPOS="1976" ID="st20-492"/><SP/><String HEIGHT="19" CONTENT="become" WIDTH="66" HPOS="218" VPOS="1976" ID="st20-493"/><SP/><String HEIGHT="19" CONTENT="a" WIDTH="10" HPOS="289" VPOS="1976" ID="st20-494"/><SP/><String HEIGHT="19" CONTENT="union" WIDTH="47" HPOS="304" VPOS="1976" ID="st20-495"/><SP/><String HEIGHT="19" CONTENT="member" WIDTH="62" HPOS="356" VPOS="1976" ID="st20-496"/><String HEIGHT="19" CONTENT="." WIDTH="11" HPOS="418" VPOS="1976" ID="st20-497"/><SP/><String HEIGHT="19" CONTENT="The" WIDTH="30" HPOS="434" VPOS="1976" ID="st20-498"/><SP/><String HEIGHT="19" CONTENT="Supreme" WIDTH="73" HPOS="469" VPOS="1976" ID="st20-499"/><SP/><String HEIGHT="19" CONTENT="Court" WIDTH="47" HPOS="547" VPOS="1976" ID="st20-500"/><SP/><String HEIGHT="19" CONTENT="has" WIDTH="28" HPOS="599" VPOS="1976" ID="st20-501"/><SP/><String HEIGHT="19" CONTENT="just" WIDTH="29" HPOS="632" VPOS="1976" ID="st20-502"/><SP/><String HEIGHT="19" CONTENT="decided" WIDTH="65" HPOS="666" VPOS="1976" ID="st20-503"/><SP/><String HEIGHT="19" CONTENT="that" WIDTH="31" HPOS="736" VPOS="1976" ID="st20-504"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="767" VPOS="1976" ID="st20-505"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="780" VPOS="1976" ID="st20-506"/></TextLine><TextLine HPOS="196" VPOS="1999" ID="tl20-54" WIDTH="599" HEIGHT="19"><String HEIGHT="19" CONTENT="public" WIDTH="48" HPOS="196" VPOS="1999" ID="st20-507"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="244" VPOS="1999" ID="st20-508"/><String HEIGHT="19" CONTENT="sector" WIDTH="49" HPOS="253" VPOS="1999" ID="st20-509"/><SP/><String HEIGHT="19" CONTENT="employment" WIDTH="99" HPOS="308" VPOS="1999" ID="st20-510"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="407" VPOS="1999" ID="st20-511"/><SP/><String HEIGHT="19" CONTENT="compulsory" WIDTH="96" HPOS="423" VPOS="1999" ID="st20-512"/><SP/><String HEIGHT="19" CONTENT="payment" WIDTH="72" HPOS="525" VPOS="1999" ID="st20-513"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="603" VPOS="1999" ID="st20-514"/><SP/><String HEIGHT="19" CONTENT="agency" WIDTH="59" HPOS="626" VPOS="1999" ID="st20-515"/><SP/><String HEIGHT="19" CONTENT="fees" WIDTH="33" HPOS="691" VPOS="1999" ID="st20-516"/><SP/><String HEIGHT="19" CONTENT="by" WIDTH="20" HPOS="730" VPOS="1999" ID="st20-517"/><SP/><String HEIGHT="19" CONTENT="non" WIDTH="30" HPOS="756" VPOS="1999" ID="st20-518" SUBS_TYPE="HypPart1" SUBS_CONTENT="nonmembers"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="1999" HEIGHT="19"/></TextLine><TextLine HPOS="196" VPOS="2023" ID="tl20-55" WIDTH="599" HEIGHT="18"><String HEIGHT="18" CONTENT="members" WIDTH="77" HPOS="196" VPOS="2023" ID="st20-519" SUBS_TYPE="HypPart2" SUBS_CONTENT="nonmembers"/><SP/><String HEIGHT="18" CONTENT="who" WIDTH="37" HPOS="279" VPOS="2023" ID="st20-520"/><SP/><String HEIGHT="18" CONTENT="object" WIDTH="51" HPOS="321" VPOS="2023" ID="st20-521"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="378" VPOS="2023" ID="st20-522"/><SP/><String HEIGHT="18" CONTENT="such" WIDTH="38" HPOS="401" VPOS="2023" ID="st20-523"/><SP/><String HEIGHT="18" CONTENT="fees" WIDTH="33" HPOS="445" VPOS="2023" ID="st20-524"/><SP/><String HEIGHT="18" CONTENT="is" WIDTH="12" HPOS="484" VPOS="2023" ID="st20-525"/><SP/><String HEIGHT="18" CONTENT="unconstitutional" WIDTH="130" HPOS="502" VPOS="2023" ID="st20-526"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="632" VPOS="2023" ID="st20-527"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="647" VPOS="2023" ID="st20-528"/><SP/><String HEIGHT="18" CONTENT="decision" WIDTH="67" HPOS="683" VPOS="2023" ID="st20-529"/><SP/><String HEIGHT="18" CONTENT="does" WIDTH="39" HPOS="756" VPOS="2023" ID="st20-530"/></TextLine><TextLine HPOS="196" VPOS="2046" ID="tl20-56" WIDTH="372" HEIGHT="19"><String HEIGHT="19" CONTENT="not" WIDTH="28" HPOS="196" VPOS="2046" ID="st20-531"/><SP/><String HEIGHT="19" CONTENT="affect" WIDTH="47" HPOS="230" VPOS="2046" ID="st20-532"/><SP/><String HEIGHT="19" CONTENT="private" WIDTH="56" HPOS="282" VPOS="2046" ID="st20-533"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="338" VPOS="2046" ID="st20-534"/><String HEIGHT="19" CONTENT="sector" WIDTH="49" HPOS="346" VPOS="2046" ID="st20-535"/><SP/><String HEIGHT="19" CONTENT="workers" WIDTH="66" HPOS="400" VPOS="2046" ID="st20-536"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="471" VPOS="2046" ID="st20-537"/><SP/><String HEIGHT="19" CONTENT="unions" WIDTH="52" HPOS="508" VPOS="2046" ID="st20-538"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="560" VPOS="2046" ID="st20-539"/></TextLine><TextLine HPOS="858" VPOS="307" ID="tl20-57" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="307" ID="st20-540"/><SP/><String HEIGHT="24" CONTENT="reporting" WIDTH="98" HPOS="908" VPOS="307" ID="st20-541"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="33" HPOS="1015" VPOS="307" ID="st20-542"/><SP/><String HEIGHT="24" CONTENT="needed" WIDTH="79" HPOS="1058" VPOS="307" ID="st20-543"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1147" VPOS="307" ID="st20-544"/><SP/><String HEIGHT="24" CONTENT="understand" WIDTH="120" HPOS="1179" VPOS="307" ID="st20-545"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="1309" VPOS="307" ID="st20-546"/><SP/><String HEIGHT="24" CONTENT="dynam" WIDTH="67" HPOS="1376" VPOS="307" ID="st20-547" SUBS_TYPE="HypPart1" SUBS_CONTENT="dynamics"/><HYP CONTENT="-" WIDTH="13" HPOS="1443" VPOS="307" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="343" ID="tl20-58" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="ics" WIDTH="24" HPOS="858" VPOS="343" ID="st20-548" SUBS_TYPE="HypPart2" SUBS_CONTENT="dynamics"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="882" VPOS="343" ID="st20-549"/><SP/><String HEIGHT="24" CONTENT="identify" WIDTH="79" HPOS="898" VPOS="343" ID="st20-550"/><SP/><String HEIGHT="24" CONTENT="optimal" WIDTH="80" HPOS="984" VPOS="343" ID="st20-551"/><SP/><String HEIGHT="24" CONTENT="structures" WIDTH="100" HPOS="1071" VPOS="343" ID="st20-552"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1171" VPOS="343" ID="st20-553"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1189" VPOS="343" ID="st20-554"/><SP/><String HEIGHT="24" CONTENT="ultimately" WIDTH="104" HPOS="1236" VPOS="343" ID="st20-555"/><SP/><String HEIGHT="24" CONTENT="facilitate" WIDTH="90" HPOS="1347" VPOS="343" ID="st20-556"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1444" VPOS="343" ID="st20-557"/></TextLine><TextLine HPOS="858" VPOS="379" ID="tl20-59" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="shift" WIDTH="46" HPOS="858" VPOS="379" ID="st20-558"/><SP/><String HEIGHT="24" CONTENT="toward" WIDTH="76" HPOS="910" VPOS="379" ID="st20-559"/><SP/><String HEIGHT="24" CONTENT="new" WIDTH="46" HPOS="992" VPOS="379" ID="st20-560"/><SP/><String HEIGHT="24" CONTENT="thinking" WIDTH="87" HPOS="1044" VPOS="379" ID="st20-561"/><SP/><String HEIGHT="24" CONTENT="about" WIDTH="63" HPOS="1137" VPOS="379" ID="st20-562"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1206" VPOS="379" ID="st20-563"/><SP/><String HEIGHT="24" CONTENT="management" WIDTH="142" HPOS="1248" VPOS="379" ID="st20-564"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1396" VPOS="379" ID="st20-565"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1421" VPOS="379" ID="st20-566"/></TextLine><TextLine HPOS="858" VPOS="415" ID="tl20-60" WIDTH="164" HEIGHT="24"><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="858" VPOS="415" ID="st20-567"/><SP/><String HEIGHT="24" CONTENT="sector" WIDTH="58" HPOS="954" VPOS="415" ID="st20-568"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1012" VPOS="415" ID="st20-569"/></TextLine><TextLine HPOS="858" VPOS="490" ID="tl20-61" WIDTH="12" HEIGHT="16"><String HEIGHT="16" CONTENT="" WIDTH="12" HPOS="858" VPOS="490" ID="st20-570"/></TextLine><TextLine HPOS="870" VPOS="491" ID="tl20-62" WIDTH="5" HEIGHT="15"><String HEIGHT="15" CONTENT="" WIDTH="5" HPOS="870" VPOS="491" ID="st20-571"/></TextLine><TextLine HPOS="889" VPOS="488" ID="tl20-63" WIDTH="567" HEIGHT="23"><String HEIGHT="23" CONTENT="Multilateral" WIDTH="121" HPOS="889" VPOS="488" ID="st20-572"/><SP/><String HEIGHT="23" CONTENT="Institutions" WIDTH="117" HPOS="1019" VPOS="488" ID="st20-573"/><SP/><String HEIGHT="23" CONTENT="incorporate" WIDTH="122" HPOS="1146" VPOS="488" ID="st20-574"/><SP/><String HEIGHT="23" CONTENT="and/or" WIDTH="70" HPOS="1277" VPOS="488" ID="st20-575"/><SP/><String HEIGHT="23" CONTENT="condition" WIDTH="100" HPOS="1356" VPOS="488" ID="st20-576"/></TextLine><TextLine HPOS="858" VPOS="524" ID="tl20-64" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="loans" WIDTH="55" HPOS="858" VPOS="524" ID="st20-577"/><SP/><String HEIGHT="23" CONTENT="on" WIDTH="28" HPOS="924" VPOS="524" ID="st20-578"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="963" VPOS="524" ID="st20-579"/><SP/><String HEIGHT="23" CONTENT="model" WIDTH="67" HPOS="1008" VPOS="524" ID="st20-580"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1086" VPOS="524" ID="st20-581"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="1119" VPOS="524" ID="st20-582"/><String HEIGHT="23" CONTENT="regulation" WIDTH="110" HPOS="1130" VPOS="524" ID="st20-583"/><SP/><String HEIGHT="23" CONTENT="from" WIDTH="52" HPOS="1250" VPOS="524" ID="st20-584"/><SP/><String HEIGHT="23" CONTENT="below" WIDTH="58" HPOS="1313" VPOS="524" ID="st20-585"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1371" VPOS="524" ID="st20-586"/><String HEIGHT="23" CONTENT="«" WIDTH="12" HPOS="1383" VPOS="524" ID="st20-587"/><SP/><String HEIGHT="23" CONTENT="Mul" WIDTH="38" HPOS="1406" VPOS="524" ID="st20-588" SUBS_TYPE="HypPart1" SUBS_CONTENT="Multilateral"/><HYP CONTENT="-" WIDTH="12" HPOS="1444" VPOS="524" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="560" ID="tl20-65" WIDTH="266" HEIGHT="24"><String HEIGHT="24" CONTENT="tilateral" WIDTH="79" HPOS="858" VPOS="560" ID="st20-589" SUBS_TYPE="HypPart2" SUBS_CONTENT="Multilateral"/><SP/><String HEIGHT="24" CONTENT="Institutions" WIDTH="116" HPOS="947" VPOS="560" ID="st20-590"/><String HEIGHT="24" CONTENT="(" WIDTH="10" HPOS="1073" VPOS="560" ID="st20-591"/><String HEIGHT="24" CONTENT="MIs" WIDTH="30" HPOS="1083" VPOS="560" ID="st20-592"/><String HEIGHT="24" CONTENT=")" WIDTH="11" HPOS="1113" VPOS="560" ID="st20-593"/></TextLine><TextLine HPOS="1124" VPOS="559" ID="tl20-66" WIDTH="16" HEIGHT="14"><String HEIGHT="14" CONTENT="13" WIDTH="16" HPOS="1124" VPOS="559" ID="st20-594"/></TextLine><TextLine HPOS="1150" VPOS="560" ID="tl20-67" WIDTH="306" HEIGHT="24"><String HEIGHT="24" CONTENT="play" WIDTH="43" HPOS="1150" VPOS="560" ID="st20-595"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1203" VPOS="560" ID="st20-596"/><SP/><String HEIGHT="24" CONTENT="key" WIDTH="36" HPOS="1225" VPOS="560" ID="st20-597"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="39" HPOS="1271" VPOS="560" ID="st20-598"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1320" VPOS="560" ID="st20-599"/><SP/><String HEIGHT="24" CONTENT="managing" WIDTH="107" HPOS="1349" VPOS="560" ID="st20-600"/></TextLine><TextLine HPOS="858" VPOS="596" ID="tl20-68" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="international" WIDTH="135" HPOS="858" VPOS="596" ID="st20-601"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="88" HPOS="1004" VPOS="596" ID="st20-602"/><SP/><String HEIGHT="24" CONTENT="stability" WIDTH="81" HPOS="1103" VPOS="596" ID="st20-603"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1194" VPOS="596" ID="st20-604"/><SP/><String HEIGHT="24" CONTENT="thus" WIDTH="46" HPOS="1245" VPOS="596" ID="st20-605"/><SP/><String HEIGHT="24" CONTENT="should" WIDTH="70" HPOS="1302" VPOS="596" ID="st20-606"/><SP/><String HEIGHT="24" CONTENT="have" WIDTH="50" HPOS="1383" VPOS="596" ID="st20-607"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="12" HPOS="1444" VPOS="596" ID="st20-608"/></TextLine><TextLine HPOS="858" VPOS="632" ID="tl20-69" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="special" WIDTH="71" HPOS="858" VPOS="632" ID="st20-609"/><SP/><String HEIGHT="24" CONTENT="interest" WIDTH="79" HPOS="938" VPOS="632" ID="st20-610"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1026" VPOS="632" ID="st20-611"/><SP/><String HEIGHT="24" CONTENT="supporting" WIDTH="115" HPOS="1055" VPOS="632" ID="st20-612"/><String HEIGHT="24" CONTENT="»" WIDTH="11" HPOS="1180" VPOS="632" ID="st20-613"/><String HEIGHT="24" CONTENT="regulation" WIDTH="111" HPOS="1191" VPOS="632" ID="st20-614"/><SP/><String HEIGHT="24" CONTENT="from" WIDTH="51" HPOS="1311" VPOS="632" ID="st20-615"/><SP/><String HEIGHT="24" CONTENT="below" WIDTH="60" HPOS="1371" VPOS="632" ID="st20-616"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1431" VPOS="632" ID="st20-617"/><String HEIGHT="24" CONTENT="«" WIDTH="13" HPOS="1443" VPOS="632" ID="st20-618"/></TextLine><TextLine HPOS="858" VPOS="668" ID="tl20-70" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="MIs" WIDTH="37" HPOS="858" VPOS="668" ID="st20-619"/><SP/><String HEIGHT="24" CONTENT="are" WIDTH="32" HPOS="901" VPOS="668" ID="st20-620"/><SP/><String HEIGHT="24" CONTENT="also" WIDTH="41" HPOS="939" VPOS="668" ID="st20-621"/><SP/><String HEIGHT="24" CONTENT="often" WIDTH="57" HPOS="986" VPOS="668" ID="st20-622"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="1048" VPOS="668" ID="st20-623"/><SP/><String HEIGHT="24" CONTENT="positioned" WIDTH="111" HPOS="1096" VPOS="668" ID="st20-624"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1213" VPOS="668" ID="st20-625"/><SP/><String HEIGHT="24" CONTENT="do" WIDTH="28" HPOS="1240" VPOS="668" ID="st20-626"/><SP/><String HEIGHT="24" CONTENT="so" WIDTH="24" HPOS="1273" VPOS="668" ID="st20-627"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="41" HPOS="1302" VPOS="668" ID="st20-628"/><SP/><String HEIGHT="24" CONTENT="frequently" WIDTH="108" HPOS="1348" VPOS="668" ID="st20-629"/></TextLine><TextLine HPOS="858" VPOS="704" ID="tl20-71" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="make" WIDTH="58" HPOS="858" VPOS="704" ID="st20-630"/><SP/><String HEIGHT="24" CONTENT="policy" WIDTH="61" HPOS="927" VPOS="704" ID="st20-631"/><SP/><String HEIGHT="24" CONTENT="recommendations" WIDTH="191" HPOS="999" VPOS="704" ID="st20-632"/><SP/><String HEIGHT="24" CONTENT="on" WIDTH="27" HPOS="1201" VPOS="704" ID="st20-633"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1239" VPOS="704" ID="st20-634"/><SP/><String HEIGHT="24" CONTENT="regulations" WIDTH="117" HPOS="1339" VPOS="704" ID="st20-635"/></TextLine><TextLine HPOS="858" VPOS="740" ID="tl20-72" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="740" ID="st20-636"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="908" VPOS="740" ID="st20-637"/><SP/><String HEIGHT="24" CONTENT="market" WIDTH="75" HPOS="972" VPOS="740" ID="st20-638"/><SP/><String HEIGHT="24" CONTENT="policies" WIDTH="78" HPOS="1056" VPOS="740" ID="st20-639"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1144" VPOS="740" ID="st20-640"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1174" VPOS="740" ID="st20-641"/><SP/><String HEIGHT="24" CONTENT="national" WIDTH="86" HPOS="1219" VPOS="740" ID="st20-642"/><SP/><String HEIGHT="24" CONTENT="level" WIDTH="45" HPOS="1315" VPOS="740" ID="st20-643"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="1360" VPOS="740" ID="st20-644"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="20" HPOS="1378" VPOS="740" ID="st20-645"/><SP/><String HEIGHT="24" CONTENT="such" WIDTH="48" HPOS="1408" VPOS="740" ID="st20-646"/></TextLine><TextLine HPOS="858" VPOS="776" ID="tl20-73" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="recommendations" WIDTH="185" HPOS="858" VPOS="776" ID="st20-647"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1043" VPOS="776" ID="st20-648"/><SP/><String HEIGHT="24" CONTENT="MIs" WIDTH="38" HPOS="1065" VPOS="776" ID="st20-649"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="38" HPOS="1112" VPOS="776" ID="st20-650"/><SP/><String HEIGHT="24" CONTENT="help" WIDTH="46" HPOS="1159" VPOS="776" ID="st20-651"/><SP/><String HEIGHT="24" CONTENT="incorporate" WIDTH="122" HPOS="1214" VPOS="776" ID="st20-652"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1346" VPOS="776" ID="st20-653"/><SP/><String HEIGHT="24" CONTENT="model" WIDTH="66" HPOS="1390" VPOS="776" ID="st20-654"/></TextLine><TextLine HPOS="858" VPOS="813" ID="tl20-74" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="858" VPOS="813" ID="st20-655"/><String HEIGHT="23" CONTENT="»" WIDTH="11" HPOS="891" VPOS="813" ID="st20-656"/><String HEIGHT="23" CONTENT="regulation" WIDTH="111" HPOS="902" VPOS="813" ID="st20-657"/><SP/><String HEIGHT="23" CONTENT="from" WIDTH="51" HPOS="1024" VPOS="813" ID="st20-658"/><SP/><String HEIGHT="23" CONTENT="below" WIDTH="60" HPOS="1086" VPOS="813" ID="st20-659"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1146" VPOS="813" ID="st20-660"/><String HEIGHT="23" CONTENT="«" WIDTH="13" HPOS="1158" VPOS="813" ID="st20-661"/><SP/><String HEIGHT="23" CONTENT="The" WIDTH="39" HPOS="1182" VPOS="813" ID="st20-662"/><SP/><String HEIGHT="23" CONTENT="role" WIDTH="40" HPOS="1232" VPOS="813" ID="st20-663"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="22" HPOS="1283" VPOS="813" ID="st20-664"/><SP/><String HEIGHT="23" CONTENT="worker" WIDTH="75" HPOS="1316" VPOS="813" ID="st20-665"/><SP/><String HEIGHT="23" CONTENT="voice" WIDTH="54" HPOS="1402" VPOS="813" ID="st20-666"/></TextLine><TextLine HPOS="858" VPOS="849" ID="tl20-75" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="858" VPOS="849" ID="st20-667"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="34" HPOS="886" VPOS="849" ID="st20-668"/><SP/><String HEIGHT="23" CONTENT="governance" WIDTH="124" HPOS="929" VPOS="849" ID="st20-669"/><SP/><String HEIGHT="23" CONTENT="of" WIDTH="23" HPOS="1061" VPOS="849" ID="st20-670"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1092" VPOS="849" ID="st20-671"/><SP/><String HEIGHT="23" CONTENT="institutions" WIDTH="117" HPOS="1189" VPOS="849" ID="st20-672"/><SP/><String HEIGHT="23" CONTENT="should" WIDTH="71" HPOS="1314" VPOS="849" ID="st20-673"/><SP/><String HEIGHT="23" CONTENT="be" WIDTH="26" HPOS="1394" VPOS="849" ID="st20-674"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="19" HPOS="1428" VPOS="849" ID="st20-675" SUBS_TYPE="HypPart1" SUBS_CONTENT="included"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="849" HEIGHT="23"/></TextLine><TextLine HPOS="858" VPOS="885" ID="tl20-76" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="cluded" WIDTH="71" HPOS="858" VPOS="885" ID="st20-676" SUBS_TYPE="HypPart2" SUBS_CONTENT="included"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="939" VPOS="885" ID="st20-677"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="968" VPOS="885" ID="st20-678"/><SP/><String HEIGHT="24" CONTENT="total" WIDTH="48" HPOS="1013" VPOS="885" ID="st20-679"/><SP/><String HEIGHT="24" CONTENT="mix" WIDTH="38" HPOS="1071" VPOS="885" ID="st20-680"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1119" VPOS="885" ID="st20-681"/><SP/><String HEIGHT="24" CONTENT="information" WIDTH="125" HPOS="1151" VPOS="885" ID="st20-682"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1286" VPOS="885" ID="st20-683"/><SP/><String HEIGHT="24" CONTENT="MIs" WIDTH="33" HPOS="1316" VPOS="885" ID="st20-684"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="1349" VPOS="885" ID="st20-685"/><SP/><String HEIGHT="24" CONTENT="decision" WIDTH="86" HPOS="1370" VPOS="885" ID="st20-686"/></TextLine><TextLine HPOS="858" VPOS="921" ID="tl20-77" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="making" WIDTH="73" HPOS="858" VPOS="921" ID="st20-687"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="931" VPOS="921" ID="st20-688"/><SP/><String HEIGHT="24" CONTENT="Finally" WIDTH="61" HPOS="952" VPOS="921" ID="st20-689"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1013" VPOS="921" ID="st20-690"/><SP/><String HEIGHT="24" CONTENT="MIs" WIDTH="38" HPOS="1030" VPOS="921" ID="st20-691"/><SP/><String HEIGHT="24" CONTENT="should" WIDTH="66" HPOS="1076" VPOS="921" ID="st20-692"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1142" VPOS="921" ID="st20-693"/><SP/><String HEIGHT="24" CONTENT="at" WIDTH="21" HPOS="1162" VPOS="921" ID="st20-694"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1191" VPOS="921" ID="st20-695"/><SP/><String HEIGHT="24" CONTENT="minimum" WIDTH="94" HPOS="1212" VPOS="921" ID="st20-696"/><String HEIGHT="24" CONTENT="," WIDTH="14" HPOS="1306" VPOS="921" ID="st20-697"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="26" HPOS="1329" VPOS="921" ID="st20-698"/><SP/><String HEIGHT="24" CONTENT="engaged" WIDTH="93" HPOS="1363" VPOS="921" ID="st20-699"/></TextLine><TextLine HPOS="858" VPOS="957" ID="tl20-78" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="858" VPOS="957" ID="st20-700"/><SP/><String HEIGHT="24" CONTENT="routine" WIDTH="76" HPOS="883" VPOS="957" ID="st20-701"/><SP/><String HEIGHT="24" CONTENT="dialogue" WIDTH="92" HPOS="965" VPOS="957" ID="st20-702"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1063" VPOS="957" ID="st20-703"/><SP/><String HEIGHT="24" CONTENT="workers" WIDTH="80" HPOS="1116" VPOS="957" ID="st20-704"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1196" VPOS="957" ID="st20-705"/><SP/><String HEIGHT="24" CONTENT="their" WIDTH="49" HPOS="1214" VPOS="957" ID="st20-706"/><SP/><String HEIGHT="24" CONTENT="unions" WIDTH="66" HPOS="1269" VPOS="957" ID="st20-707"/><String HEIGHT="24" CONTENT="," WIDTH="12" HPOS="1335" VPOS="957" ID="st20-708"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1353" VPOS="957" ID="st20-709"/><SP/><String HEIGHT="24" CONTENT="other" WIDTH="57" HPOS="1399" VPOS="957" ID="st20-710"/></TextLine><TextLine HPOS="858" VPOS="993" ID="tl20-79" WIDTH="232" HEIGHT="24"><String HEIGHT="24" CONTENT="representative" WIDTH="149" HPOS="858" VPOS="993" ID="st20-711"/><SP/><String HEIGHT="24" CONTENT="bodies" WIDTH="65" HPOS="1014" VPOS="993" ID="st20-712"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="1079" VPOS="993" ID="st20-713"/></TextLine><TextLine HPOS="858" VPOS="1067" ID="tl20-80" WIDTH="12" HEIGHT="17"><String HEIGHT="17" CONTENT="" WIDTH="12" HPOS="858" VPOS="1067" ID="st20-714"/></TextLine><TextLine HPOS="870" VPOS="1068" ID="tl20-81" WIDTH="5" HEIGHT="16"><String HEIGHT="16" CONTENT="" WIDTH="5" HPOS="870" VPOS="1068" ID="st20-715"/></TextLine><TextLine HPOS="889" VPOS="1065" ID="tl20-82" WIDTH="567" HEIGHT="24"><String HEIGHT="24" CONTENT="Multilateral" WIDTH="121" HPOS="889" VPOS="1065" ID="st20-716"/><SP/><String HEIGHT="24" CONTENT="Institutions" WIDTH="117" HPOS="1021" VPOS="1065" ID="st20-717"/><SP/><String HEIGHT="24" CONTENT="should" WIDTH="71" HPOS="1149" VPOS="1065" ID="st20-718"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="1231" VPOS="1065" ID="st20-719"/><SP/><String HEIGHT="24" CONTENT="policies" WIDTH="78" HPOS="1324" VPOS="1065" ID="st20-720"/><SP/><String HEIGHT="24" CONTENT="that" WIDTH="43" HPOS="1413" VPOS="1065" ID="st20-721"/></TextLine><TextLine HPOS="858" VPOS="1101" ID="tl20-83" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="lower" WIDTH="59" HPOS="858" VPOS="1101" ID="st20-722"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="103" HPOS="923" VPOS="1101" ID="st20-723"/><SP/><String HEIGHT="24" CONTENT="inequality" WIDTH="103" HPOS="1031" VPOS="1101" ID="st20-724"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1139" VPOS="1101" ID="st20-725"/><SP/><String HEIGHT="24" CONTENT="instability" WIDTH="95" HPOS="1185" VPOS="1101" ID="st20-726"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="1280" VPOS="1101" ID="st20-727"/><SP/><String HEIGHT="24" CONTENT="In" WIDTH="19" HPOS="1295" VPOS="1101" ID="st20-728"/><SP/><String HEIGHT="24" CONTENT="places" WIDTH="66" HPOS="1319" VPOS="1101" ID="st20-729"/><SP/><String HEIGHT="24" CONTENT="where" WIDTH="66" HPOS="1390" VPOS="1101" ID="st20-730"/></TextLine><TextLine HPOS="858" VPOS="1138" ID="tl20-84" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="labor" WIDTH="54" HPOS="858" VPOS="1138" ID="st20-731"/><SP/><String HEIGHT="23" CONTENT="market" WIDTH="75" HPOS="923" VPOS="1138" ID="st20-732"/><SP/><String HEIGHT="23" CONTENT="institutions" WIDTH="117" HPOS="1008" VPOS="1138" ID="st20-733"/><SP/><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="1135" VPOS="1138" ID="st20-734"/><SP/><String HEIGHT="23" CONTENT="functioning" WIDTH="122" HPOS="1196" VPOS="1138" ID="st20-735"/><SP/><String HEIGHT="23" CONTENT="national" WIDTH="83" HPOS="1329" VPOS="1138" ID="st20-736"/><String HEIGHT="23" CONTENT="-" WIDTH="11" HPOS="1412" VPOS="1138" ID="st20-737"/><SP/><String HEIGHT="23" CONTENT="or" WIDTH="22" HPOS="1434" VPOS="1138" ID="st20-738"/></TextLine><TextLine HPOS="858" VPOS="1174" ID="tl20-85" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="sector" WIDTH="59" HPOS="858" VPOS="1174" ID="st20-739"/><String HEIGHT="23" CONTENT="-" WIDTH="10" HPOS="917" VPOS="1174" ID="st20-740"/><String HEIGHT="23" CONTENT="level" WIDTH="50" HPOS="927" VPOS="1174" ID="st20-741"/><SP/><String HEIGHT="23" CONTENT="collective" WIDTH="98" HPOS="988" VPOS="1174" ID="st20-742"/><SP/><String HEIGHT="23" CONTENT="bargaining" WIDTH="115" HPOS="1097" VPOS="1174" ID="st20-743"/><SP/><String HEIGHT="23" CONTENT="that" WIDTH="43" HPOS="1223" VPOS="1174" ID="st20-744"/><SP/><String HEIGHT="23" CONTENT="benefit" WIDTH="75" HPOS="1278" VPOS="1174" ID="st20-745"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="80" HPOS="1364" VPOS="1174" ID="st20-746"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1444" VPOS="1174" ID="st20-747"/></TextLine><TextLine HPOS="858" VPOS="1210" ID="tl20-86" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="especially" WIDTH="100" HPOS="858" VPOS="1210" ID="st20-748"/><SP/><String HEIGHT="24" CONTENT="during" WIDTH="70" HPOS="967" VPOS="1210" ID="st20-749"/><SP/><String HEIGHT="24" CONTENT="times" WIDTH="57" HPOS="1047" VPOS="1210" ID="st20-750"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1113" VPOS="1210" ID="st20-751"/><SP/><String HEIGHT="24" CONTENT="economic" WIDTH="103" HPOS="1145" VPOS="1210" ID="st20-752"/><SP/><String HEIGHT="24" CONTENT="instability" WIDTH="100" HPOS="1258" VPOS="1210" ID="st20-753"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="23" HPOS="1367" VPOS="1210" ID="st20-754"/><SP/><String HEIGHT="24" CONTENT="crisis" WIDTH="48" HPOS="1399" VPOS="1210" ID="st20-755"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="1447" VPOS="1210" ID="st20-756"/></TextLine><TextLine HPOS="858" VPOS="1246" ID="tl20-87" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="MIs" WIDTH="37" HPOS="858" VPOS="1246" ID="st20-757"/><SP/><String HEIGHT="24" CONTENT="can" WIDTH="37" HPOS="905" VPOS="1246" ID="st20-758"/><SP/><String HEIGHT="24" CONTENT="support" WIDTH="82" HPOS="952" VPOS="1246" ID="st20-759"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1043" VPOS="1246" ID="st20-760"/><SP/><String HEIGHT="24" CONTENT="continuity" WIDTH="105" HPOS="1088" VPOS="1246" ID="st20-761"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1203" VPOS="1246" ID="st20-762"/><SP/><String HEIGHT="24" CONTENT="these" WIDTH="57" HPOS="1234" VPOS="1246" ID="st20-763"/><SP/><String HEIGHT="24" CONTENT="policies" WIDTH="75" HPOS="1301" VPOS="1246" ID="st20-764"/><String HEIGHT="24" CONTENT="." WIDTH="10" HPOS="1376" VPOS="1246" ID="st20-765"/><SP/><String HEIGHT="24" CONTENT="These" WIDTH="61" HPOS="1395" VPOS="1246" ID="st20-766"/></TextLine><TextLine HPOS="858" VPOS="1282" ID="tl20-88" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="actions" WIDTH="75" HPOS="858" VPOS="1282" ID="st20-767"/><SP/><String HEIGHT="24" CONTENT="align" WIDTH="51" HPOS="944" VPOS="1282" ID="st20-768"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="48" HPOS="1006" VPOS="1282" ID="st20-769"/><SP/><String HEIGHT="24" CONTENT="MIs" WIDTH="33" HPOS="1065" VPOS="1282" ID="st20-770"/><String HEIGHT="24" CONTENT="’" WIDTH="11" HPOS="1098" VPOS="1282" ID="st20-771"/><SP/><String HEIGHT="24" CONTENT="mission" WIDTH="80" HPOS="1120" VPOS="1282" ID="st20-772"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1211" VPOS="1282" ID="st20-773"/><SP/><String HEIGHT="24" CONTENT="promoting" WIDTH="112" HPOS="1244" VPOS="1282" ID="st20-774"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="1367" VPOS="1282" ID="st20-775"/></TextLine><TextLine HPOS="858" VPOS="1318" ID="tl20-89" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="stability" WIDTH="76" HPOS="858" VPOS="1318" ID="st20-776"/><String HEIGHT="24" CONTENT="," WIDTH="9" HPOS="934" VPOS="1318" ID="st20-777"/><SP/><String HEIGHT="24" CONTENT="inclusive" WIDTH="89" HPOS="949" VPOS="1318" ID="st20-778"/><SP/><String HEIGHT="24" CONTENT="growth" WIDTH="72" HPOS="1044" VPOS="1318" ID="st20-779"/><String HEIGHT="24" CONTENT="," WIDTH="13" HPOS="1116" VPOS="1318" ID="st20-780"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1135" VPOS="1318" ID="st20-781"/><SP/><String HEIGHT="24" CONTENT="well" WIDTH="43" HPOS="1163" VPOS="1318" ID="st20-782"/><SP/><String HEIGHT="24" CONTENT="as" WIDTH="22" HPOS="1213" VPOS="1318" ID="st20-783"/><SP/><String HEIGHT="24" CONTENT="lower" WIDTH="60" HPOS="1241" VPOS="1318" ID="st20-784"/><SP/><String HEIGHT="24" CONTENT="inequality" WIDTH="103" HPOS="1307" VPOS="1318" ID="st20-785"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1416" VPOS="1318" ID="st20-786"/></TextLine><TextLine HPOS="858" VPOS="1354" ID="tl20-90" WIDTH="244" HEIGHT="24"><String HEIGHT="24" CONTENT="its" WIDTH="23" HPOS="858" VPOS="1354" ID="st20-787"/><SP/><String HEIGHT="24" CONTENT="accompanying" WIDTH="154" HPOS="888" VPOS="1354" ID="st20-788"/><SP/><String HEIGHT="24" CONTENT="risks" WIDTH="44" HPOS="1049" VPOS="1354" ID="st20-789"/><String HEIGHT="24" CONTENT="." WIDTH="9" HPOS="1093" VPOS="1354" ID="st20-790"/></TextLine><TextLine HPOS="858" VPOS="1426" ID="tl20-91" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="858" VPOS="1426" ID="st20-791"/><SP/><String HEIGHT="24" CONTENT="United" WIDTH="71" HPOS="907" VPOS="1426" ID="st20-792"/><SP/><String HEIGHT="24" CONTENT="States" WIDTH="64" HPOS="989" VPOS="1426" ID="st20-793"/><SP/><String HEIGHT="24" CONTENT="plays" WIDTH="53" HPOS="1064" VPOS="1426" ID="st20-794"/><SP/><String HEIGHT="24" CONTENT="a" WIDTH="13" HPOS="1127" VPOS="1426" ID="st20-795"/><SP/><String HEIGHT="24" CONTENT="dominant" WIDTH="103" HPOS="1151" VPOS="1426" ID="st20-796"/><SP/><String HEIGHT="24" CONTENT="role" WIDTH="40" HPOS="1264" VPOS="1426" ID="st20-797"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1315" VPOS="1426" ID="st20-798"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1345" VPOS="1426" ID="st20-799"/><SP/><String HEIGHT="24" CONTENT="global" WIDTH="65" HPOS="1391" VPOS="1426" ID="st20-800"/></TextLine><TextLine HPOS="858" VPOS="1463" ID="tl20-92" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="858" VPOS="1463" ID="st20-801"/><SP/><String HEIGHT="23" CONTENT="system" WIDTH="67" HPOS="956" VPOS="1463" ID="st20-802"/><String HEIGHT="23" CONTENT="." WIDTH="12" HPOS="1023" VPOS="1463" ID="st20-803"/><SP/><String HEIGHT="23" CONTENT="At" WIDTH="25" HPOS="1045" VPOS="1463" ID="st20-804"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1079" VPOS="1463" ID="st20-805"/><SP/><String HEIGHT="23" CONTENT="same" WIDTH="55" HPOS="1124" VPOS="1463" ID="st20-806"/><SP/><String HEIGHT="23" CONTENT="time" WIDTH="43" HPOS="1189" VPOS="1463" ID="st20-807"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1232" VPOS="1463" ID="st20-808"/><SP/><String HEIGHT="23" CONTENT="U" WIDTH="10" HPOS="1252" VPOS="1463" ID="st20-809"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1262" VPOS="1463" ID="st20-810"/><String HEIGHT="23" CONTENT="S" WIDTH="11" HPOS="1273" VPOS="1463" ID="st20-811"/><String HEIGHT="23" CONTENT="." WIDTH="11" HPOS="1284" VPOS="1463" ID="st20-812"/><SP/><String HEIGHT="23" CONTENT="financial" WIDTH="89" HPOS="1305" VPOS="1463" ID="st20-813"/><SP/><String HEIGHT="23" CONTENT="firms" WIDTH="53" HPOS="1403" VPOS="1463" ID="st20-814"/></TextLine><TextLine HPOS="858" VPOS="1499" ID="tl20-93" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="have" WIDTH="50" HPOS="858" VPOS="1499" ID="st20-815"/><SP/><String HEIGHT="23" CONTENT="repeatedly" WIDTH="110" HPOS="916" VPOS="1499" ID="st20-816"/><SP/><String HEIGHT="23" CONTENT="experienced" WIDTH="128" HPOS="1034" VPOS="1499" ID="st20-817"/><SP/><String HEIGHT="23" CONTENT="failure" WIDTH="67" HPOS="1169" VPOS="1499" ID="st20-818"/><SP/><String HEIGHT="23" CONTENT="in" WIDTH="20" HPOS="1243" VPOS="1499" ID="st20-819"/><SP/><String HEIGHT="23" CONTENT="risk" WIDTH="36" HPOS="1271" VPOS="1499" ID="st20-820"/><SP/><String HEIGHT="23" CONTENT="management" WIDTH="141" HPOS="1315" VPOS="1499" ID="st20-821"/></TextLine><TextLine HPOS="858" VPOS="1535" ID="tl20-94" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="858" VPOS="1535" ID="st20-822"/><SP/><String HEIGHT="24" CONTENT="oversight" WIDTH="94" HPOS="903" VPOS="1535" ID="st20-823"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="997" VPOS="1535" ID="st20-824"/><SP/><String HEIGHT="24" CONTENT="whether" WIDTH="89" HPOS="1013" VPOS="1535" ID="st20-825"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1107" VPOS="1535" ID="st20-826"/><SP/><String HEIGHT="24" CONTENT="specific" WIDTH="78" HPOS="1132" VPOS="1535" ID="st20-827"/><SP/><String HEIGHT="24" CONTENT="instances" WIDTH="98" HPOS="1215" VPOS="1535" ID="st20-828"/><SP/><String HEIGHT="24" CONTENT="like" WIDTH="36" HPOS="1318" VPOS="1535" ID="st20-829"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1360" VPOS="1535" ID="st20-830"/><SP/><String HEIGHT="24" CONTENT="Wells" WIDTH="56" HPOS="1400" VPOS="1535" ID="st20-831"/></TextLine><TextLine HPOS="858" VPOS="1571" ID="tl20-95" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Fargo" WIDTH="59" HPOS="858" VPOS="1571" ID="st20-832"/><SP/><String HEIGHT="24" CONTENT="accounts" WIDTH="95" HPOS="926" VPOS="1571" ID="st20-833"/><SP/><String HEIGHT="24" CONTENT="scandal" WIDTH="75" HPOS="1030" VPOS="1571" ID="st20-834"/><String HEIGHT="24" CONTENT="," WIDTH="11" HPOS="1105" VPOS="1571" ID="st20-835"/><SP/><String HEIGHT="24" CONTENT="or" WIDTH="22" HPOS="1125" VPOS="1571" ID="st20-836"/><SP/><String HEIGHT="24" CONTENT="more" WIDTH="55" HPOS="1156" VPOS="1571" ID="st20-837"/><SP/><String HEIGHT="24" CONTENT="broadly" WIDTH="78" HPOS="1220" VPOS="1571" ID="st20-838"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1307" VPOS="1571" ID="st20-839"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1336" VPOS="1571" ID="st20-840"/><SP/><String HEIGHT="24" CONTENT="case" WIDTH="46" HPOS="1379" VPOS="1571" ID="st20-841"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1434" VPOS="1571" ID="st20-842"/></TextLine><TextLine HPOS="858" VPOS="1607" ID="tl20-96" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="858" VPOS="1607" ID="st20-843"/><SP/><String HEIGHT="24" CONTENT="Great" WIDTH="59" HPOS="903" VPOS="1607" ID="st20-844"/><SP/><String HEIGHT="24" CONTENT="Recession" WIDTH="103" HPOS="973" VPOS="1607" ID="st20-845"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1087" VPOS="1607" ID="st20-846"/><SP/><String HEIGHT="24" CONTENT="2008" WIDTH="50" HPOS="1119" VPOS="1607" ID="st20-847"/><String HEIGHT="24" CONTENT="." WIDTH="13" HPOS="1169" VPOS="1607" ID="st20-848"/><SP/><String HEIGHT="24" CONTENT="The" WIDTH="39" HPOS="1193" VPOS="1607" ID="st20-849"/><SP/><String HEIGHT="24" CONTENT="potential" WIDTH="95" HPOS="1242" VPOS="1607" ID="st20-850"/><SP/><String HEIGHT="24" CONTENT="for" WIDTH="31" HPOS="1347" VPOS="1607" ID="st20-851"/><SP/><String HEIGHT="24" CONTENT="strong" WIDTH="67" HPOS="1389" VPOS="1607" ID="st20-852"/></TextLine><TextLine HPOS="858" VPOS="1643" ID="tl20-97" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="unions" WIDTH="71" HPOS="858" VPOS="1643" ID="st20-853"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="935" VPOS="1643" ID="st20-854"/><SP/><String HEIGHT="24" CONTENT="worker" WIDTH="75" HPOS="981" VPOS="1643" ID="st20-855"/><SP/><String HEIGHT="24" CONTENT="voice" WIDTH="55" HPOS="1062" VPOS="1643" ID="st20-856"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1123" VPOS="1643" ID="st20-857"/><SP/><String HEIGHT="24" CONTENT="mitigate" WIDTH="88" HPOS="1151" VPOS="1643" ID="st20-858"/><SP/><String HEIGHT="24" CONTENT="risk" WIDTH="36" HPOS="1245" VPOS="1643" ID="st20-859"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="19" HPOS="1287" VPOS="1643" ID="st20-860"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1313" VPOS="1643" ID="st20-861"/><SP/><String HEIGHT="24" CONTENT="corporate" WIDTH="103" HPOS="1353" VPOS="1643" ID="st20-862"/></TextLine><TextLine HPOS="858" VPOS="1679" ID="tl20-98" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="structure" WIDTH="94" HPOS="858" VPOS="1679" ID="st20-863"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="959" VPOS="1679" ID="st20-864"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="1006" VPOS="1679" ID="st20-865"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="35" HPOS="1033" VPOS="1679" ID="st20-866"/><SP/><String HEIGHT="24" CONTENT="broader" WIDTH="83" HPOS="1075" VPOS="1679" ID="st20-867"/><SP/><String HEIGHT="24" CONTENT="economy" WIDTH="97" HPOS="1165" VPOS="1679" ID="st20-868"/><SP/><String HEIGHT="24" CONTENT="has" WIDTH="36" HPOS="1270" VPOS="1679" ID="st20-869"/><SP/><String HEIGHT="24" CONTENT="been" WIDTH="53" HPOS="1313" VPOS="1679" ID="st20-870"/><SP/><String HEIGHT="24" CONTENT="demon" WIDTH="70" HPOS="1373" VPOS="1679" ID="st20-871" SUBS_TYPE="HypPart1" SUBS_CONTENT="demonstrated"/><HYP CONTENT="-" WIDTH="13" HPOS="1443" VPOS="1679" HEIGHT="24"/></TextLine><TextLine HPOS="858" VPOS="1715" ID="tl20-99" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="strated" WIDTH="73" HPOS="858" VPOS="1715" ID="st20-872" SUBS_TYPE="HypPart2" SUBS_CONTENT="demonstrated"/><SP/><String HEIGHT="24" CONTENT="in" WIDTH="20" HPOS="937" VPOS="1715" ID="st20-873"/><SP/><String HEIGHT="24" CONTENT="various" WIDTH="75" HPOS="962" VPOS="1715" ID="st20-874"/><SP/><String HEIGHT="24" CONTENT="contexts" WIDTH="89" HPOS="1043" VPOS="1715" ID="st20-875"/><SP/><String HEIGHT="24" CONTENT="and" WIDTH="40" HPOS="1138" VPOS="1715" ID="st20-876"/><SP/><String HEIGHT="24" CONTENT="models" WIDTH="76" HPOS="1184" VPOS="1715" ID="st20-877"/><SP/><String HEIGHT="24" CONTENT="around" WIDTH="76" HPOS="1266" VPOS="1715" ID="st20-878"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1348" VPOS="1715" ID="st20-879"/><SP/><String HEIGHT="24" CONTENT="world" WIDTH="56" HPOS="1388" VPOS="1715" ID="st20-880"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1444" VPOS="1715" ID="st20-881"/></TextLine><TextLine HPOS="858" VPOS="1751" ID="tl20-100" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="Thus" WIDTH="50" HPOS="858" VPOS="1751" ID="st20-882"/><SP/><String HEIGHT="24" CONTENT="it" WIDTH="14" HPOS="915" VPOS="1751" ID="st20-883"/><SP/><String HEIGHT="24" CONTENT="would" WIDTH="66" HPOS="936" VPOS="1751" ID="st20-884"/><SP/><String HEIGHT="24" CONTENT="be" WIDTH="27" HPOS="1009" VPOS="1751" ID="st20-885"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="23" HPOS="1042" VPOS="1751" ID="st20-886"/><SP/><String HEIGHT="24" CONTENT="the" WIDTH="34" HPOS="1072" VPOS="1751" ID="st20-887"/><SP/><String HEIGHT="24" CONTENT="benefit" WIDTH="75" HPOS="1113" VPOS="1751" ID="st20-888"/><SP/><String HEIGHT="24" CONTENT="of" WIDTH="22" HPOS="1195" VPOS="1751" ID="st20-889"/><SP/><String HEIGHT="24" CONTENT="all" WIDTH="24" HPOS="1224" VPOS="1751" ID="st20-890"/><SP/><String HEIGHT="24" CONTENT="stakeholders" WIDTH="141" HPOS="1255" VPOS="1751" ID="st20-891"/><String HEIGHT="24" CONTENT="—" WIDTH="12" HPOS="1396" VPOS="1751" ID="st20-892"/><String HEIGHT="24" CONTENT="firm" WIDTH="48" HPOS="1408" VPOS="1751" ID="st20-893"/></TextLine><TextLine HPOS="858" VPOS="1788" ID="tl20-101" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="management" WIDTH="143" HPOS="858" VPOS="1788" ID="st20-894"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1016" VPOS="1788" ID="st20-895"/><SP/><String HEIGHT="23" CONTENT="directors" WIDTH="89" HPOS="1071" VPOS="1788" ID="st20-896"/><String HEIGHT="23" CONTENT="," WIDTH="10" HPOS="1160" VPOS="1788" ID="st20-897"/><SP/><String HEIGHT="23" CONTENT="governmental" WIDTH="149" HPOS="1185" VPOS="1788" ID="st20-898"/><SP/><String HEIGHT="23" CONTENT="overseers" WIDTH="96" HPOS="1349" VPOS="1788" ID="st20-899"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="1445" VPOS="1788" ID="st20-900"/></TextLine><TextLine HPOS="858" VPOS="1824" ID="tl20-102" WIDTH="598" HEIGHT="23"><String HEIGHT="23" CONTENT="shareholders" WIDTH="130" HPOS="858" VPOS="1824" ID="st20-901"/><String HEIGHT="23" CONTENT="," WIDTH="11" HPOS="988" VPOS="1824" ID="st20-902"/><SP/><String HEIGHT="23" CONTENT="workers" WIDTH="80" HPOS="1010" VPOS="1824" ID="st20-903"/><String HEIGHT="23" CONTENT="," WIDTH="12" HPOS="1090" VPOS="1824" ID="st20-904"/><SP/><String HEIGHT="23" CONTENT="and" WIDTH="40" HPOS="1113" VPOS="1824" ID="st20-905"/><SP/><String HEIGHT="23" CONTENT="the" WIDTH="35" HPOS="1164" VPOS="1824" ID="st20-906"/><SP/><String HEIGHT="23" CONTENT="broader" WIDTH="82" HPOS="1210" VPOS="1824" ID="st20-907"/><SP/><String HEIGHT="23" CONTENT="economy" WIDTH="97" HPOS="1303" VPOS="1824" ID="st20-908"/><String HEIGHT="23" CONTENT="—" WIDTH="14" HPOS="1400" VPOS="1824" ID="st20-909"/><String HEIGHT="23" CONTENT="for" WIDTH="42" HPOS="1414" VPOS="1824" ID="st20-910"/></TextLine><TextLine HPOS="858" VPOS="1860" ID="tl20-103" WIDTH="598" HEIGHT="24"><String HEIGHT="24" CONTENT="U" WIDTH="10" HPOS="858" VPOS="1860" ID="st20-911"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="868" VPOS="1860" ID="st20-912"/><String HEIGHT="24" CONTENT="S" WIDTH="11" HPOS="879" VPOS="1860" ID="st20-913"/><String HEIGHT="24" CONTENT="." WIDTH="11" HPOS="890" VPOS="1860" ID="st20-914"/><SP/><String HEIGHT="24" CONTENT="financial" WIDTH="89" HPOS="909" VPOS="1860" ID="st20-915"/><SP/><String HEIGHT="24" CONTENT="firms" WIDTH="53" HPOS="1006" VPOS="1860" ID="st20-916"/><SP/><String HEIGHT="24" CONTENT="to" WIDTH="22" HPOS="1068" VPOS="1860" ID="st20-917"/><SP/><String HEIGHT="24" CONTENT="build" WIDTH="53" HPOS="1098" VPOS="1860" ID="st20-918"/><SP/><String HEIGHT="24" CONTENT="positive" WIDTH="81" HPOS="1159" VPOS="1860" ID="st20-919"/><SP/><String HEIGHT="24" CONTENT="labor" WIDTH="54" HPOS="1248" VPOS="1860" ID="st20-920"/><SP/><String HEIGHT="24" CONTENT="relations" WIDTH="90" HPOS="1311" VPOS="1860" ID="st20-921"/><SP/><String HEIGHT="24" CONTENT="with" WIDTH="47" HPOS="1409" VPOS="1860" ID="st20-922"/></TextLine><TextLine HPOS="858" VPOS="1896" ID="tl20-104" WIDTH="260" HEIGHT="24"><String HEIGHT="24" CONTENT="an" WIDTH="26" HPOS="858" VPOS="1896" ID="st20-923"/><SP/><String HEIGHT="24" CONTENT="organized" WIDTH="106" HPOS="891" VPOS="1896" ID="st20-924"/><SP/><String HEIGHT="24" CONTENT="workforce" WIDTH="102" HPOS="1004" VPOS="1896" ID="st20-925"/><String HEIGHT="24" CONTENT="." WIDTH="12" HPOS="1106" VPOS="1896" ID="st20-926"/></TextLine><TextLine HPOS="858" VPOS="1976" ID="tl20-105" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="13" WIDTH="16" HPOS="858" VPOS="1976" ID="st20-927"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="874" VPOS="1976" ID="st20-928"/><String HEIGHT="19" CONTENT=" Multilateral" WIDTH="106" HPOS="882" VPOS="1976" ID="st20-929"/><SP/><String HEIGHT="19" CONTENT="Institutions" WIDTH="91" HPOS="997" VPOS="1976" ID="st20-930"/><SP/><String HEIGHT="19" CONTENT="include" WIDTH="60" HPOS="1096" VPOS="1976" ID="st20-931"/><SP/><String HEIGHT="19" CONTENT="Group" WIDTH="53" HPOS="1164" VPOS="1976" ID="st20-932"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1226" VPOS="1976" ID="st20-933"/><SP/><String HEIGHT="19" CONTENT="20" WIDTH="18" HPOS="1251" VPOS="1976" ID="st20-934"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="1269" VPOS="1976" ID="st20-935"/><SP/><String HEIGHT="19" CONTENT="Group" WIDTH="53" HPOS="1287" VPOS="1976" ID="st20-936"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="1348" VPOS="1976" ID="st20-937"/><SP/><String HEIGHT="19" CONTENT="7" WIDTH="8" HPOS="1374" VPOS="1976" ID="st20-938"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="1382" VPOS="1976" ID="st20-939"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1399" VPOS="1976" ID="st20-940"/><SP/><String HEIGHT="19" CONTENT="In" WIDTH="14" HPOS="1435" VPOS="1976" ID="st20-941" SUBS_TYPE="HypPart1" SUBS_CONTENT="International"/><HYP CONTENT="-" WIDTH="7" HPOS="1449" VPOS="1976" HEIGHT="19"/></TextLine><TextLine HPOS="858" VPOS="1999" ID="tl20-106" WIDTH="598" HEIGHT="19"><String HEIGHT="19" CONTENT="ternational" WIDTH="90" HPOS="858" VPOS="1999" ID="st20-942" SUBS_TYPE="HypPart2" SUBS_CONTENT="International"/><SP/><String HEIGHT="19" CONTENT="Labour" WIDTH="57" HPOS="957" VPOS="1999" ID="st20-943"/><SP/><String HEIGHT="19" CONTENT="Organization" WIDTH="107" HPOS="1023" VPOS="1999" ID="st20-944"/><String HEIGHT="19" CONTENT="(" WIDTH="7" HPOS="1139" VPOS="1999" ID="st20-945"/><String HEIGHT="19" CONTENT="ILO" WIDTH="22" HPOS="1146" VPOS="1999" ID="st20-946"/><String HEIGHT="19" CONTENT=")" WIDTH="7" HPOS="1168" VPOS="1999" ID="st20-947"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="1175" VPOS="1999" ID="st20-948"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1191" VPOS="1999" ID="st20-949"/><SP/><String HEIGHT="19" CONTENT="Organization" WIDTH="108" HPOS="1227" VPOS="1999" ID="st20-950"/><SP/><String HEIGHT="19" CONTENT="for" WIDTH="24" HPOS="1343" VPOS="1999" ID="st20-951"/><SP/><String HEIGHT="19" CONTENT="Economic" WIDTH="80" HPOS="1376" VPOS="1999" ID="st20-952"/></TextLine><TextLine HPOS="858" VPOS="2023" ID="tl20-107" WIDTH="598" HEIGHT="18"><String HEIGHT="18" CONTENT="Co" WIDTH="18" HPOS="858" VPOS="2023" ID="st20-953"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="876" VPOS="2023" ID="st20-954"/><String HEIGHT="18" CONTENT="operation" WIDTH="83" HPOS="885" VPOS="2023" ID="st20-955"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="975" VPOS="2023" ID="st20-956"/><SP/><String HEIGHT="18" CONTENT="Development" WIDTH="110" HPOS="1014" VPOS="2023" ID="st20-957"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="1132" VPOS="2023" ID="st20-958"/><String HEIGHT="18" CONTENT="OECD" WIDTH="38" HPOS="1141" VPOS="2023" ID="st20-959"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="1179" VPOS="2023" ID="st20-960"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="1188" VPOS="2023" ID="st20-961"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1205" VPOS="2023" ID="st20-962"/><SP/><String HEIGHT="18" CONTENT="World" WIDTH="51" HPOS="1239" VPOS="2023" ID="st20-963"/><SP/><String HEIGHT="18" CONTENT="Bank" WIDTH="37" HPOS="1297" VPOS="2023" ID="st20-964"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="1334" VPOS="2023" ID="st20-965"/><SP/><String HEIGHT="18" CONTENT="International" WIDTH="105" HPOS="1351" VPOS="2023" ID="st20-966"/></TextLine><TextLine HPOS="858" VPOS="2046" ID="tl20-108" WIDTH="593" HEIGHT="19"><String HEIGHT="19" CONTENT="Monetary" WIDTH="80" HPOS="858" VPOS="2046" ID="st20-967"/><SP/><String HEIGHT="19" CONTENT="Fund" WIDTH="41" HPOS="943" VPOS="2046" ID="st20-968"/><String HEIGHT="19" CONTENT="(" WIDTH="7" HPOS="990" VPOS="2046" ID="st20-969"/><String HEIGHT="19" CONTENT="IMF" WIDTH="23" HPOS="997" VPOS="2046" ID="st20-970"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="1020" VPOS="2046" ID="st20-971"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="1028" VPOS="2046" ID="st20-972"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="1041" VPOS="2046" ID="st20-973"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="71" HPOS="1078" VPOS="2046" ID="st20-974"/><SP/><String HEIGHT="19" CONTENT="Stability" WIDTH="65" HPOS="1155" VPOS="2046" ID="st20-975"/><SP/><String HEIGHT="19" CONTENT="Board" WIDTH="48" HPOS="1225" VPOS="2046" ID="st20-976"/><String HEIGHT="19" CONTENT="(" WIDTH="7" HPOS="1279" VPOS="2046" ID="st20-977"/><String HEIGHT="19" CONTENT="FSB" WIDTH="23" HPOS="1286" VPOS="2046" ID="st20-978"/><String HEIGHT="19" CONTENT=")" WIDTH="7" HPOS="1309" VPOS="2046" ID="st20-979"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="1316" VPOS="2046" ID="st20-980"/><SP/><String HEIGHT="19" CONTENT="among" WIDTH="58" HPOS="1330" VPOS="2046" ID="st20-981"/><SP/><String HEIGHT="19" CONTENT="others" WIDTH="49" HPOS="1393" VPOS="2046" ID="st20-982"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1442" VPOS="2046" ID="st20-983"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl20-109" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="19" WIDTH="32" HPOS="810" VPOS="2254" ID="st20-984"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="21" ID="p840460" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840460" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840460" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl21-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st21-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st21-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st21-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st21-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st21-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st21-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st21-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st21-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st21-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st21-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st21-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st21-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st21-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st21-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st21-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st21-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st21-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st21-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st21-18"/></TextLine><TextLine HPOS="196" VPOS="191" ID="tl21-1" WIDTH="184" HEIGHT="34"><String HEIGHT="34" CONTENT="References" WIDTH="184" HPOS="196" VPOS="191" ID="st21-19"/></TextLine><TextLine HPOS="472" VPOS="289" ID="tl21-2" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Abernathy" WIDTH="90" HPOS="472" VPOS="289" ID="st21-20"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="562" VPOS="289" ID="st21-21"/><SP/><String HEIGHT="19" CONTENT="N" WIDTH="8" HPOS="580" VPOS="289" ID="st21-22"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="588" VPOS="289" ID="st21-23"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="596" VPOS="289" ID="st21-24"/><SP/><String HEIGHT="19" CONTENT="Konczal" WIDTH="67" HPOS="611" VPOS="289" ID="st21-25"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="678" VPOS="289" ID="st21-26"/><SP/><String HEIGHT="19" CONTENT="M" WIDTH="9" HPOS="695" VPOS="289" ID="st21-27"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="704" VPOS="289" ID="st21-28"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="714" VPOS="289" ID="st21-29"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="35" HPOS="730" VPOS="289" ID="st21-30"/><SP/><String HEIGHT="19" CONTENT="Milani" WIDTH="53" HPOS="772" VPOS="289" ID="st21-31"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="825" VPOS="289" ID="st21-32"/><SP/><String HEIGHT="19" CONTENT="K" WIDTH="9" HPOS="841" VPOS="289" ID="st21-33"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="850" VPOS="289" ID="st21-34"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="866" VPOS="289" ID="st21-35"/><String HEIGHT="19" CONTENT="2016" WIDTH="34" HPOS="874" VPOS="289" ID="st21-36"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="908" VPOS="289" ID="st21-37"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="916" VPOS="289" ID="st21-38"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="932" VPOS="289" ID="st21-39"/><String HEIGHT="19" CONTENT="Untamed" WIDTH="72" HPOS="942" VPOS="289" ID="st21-40"/><String HEIGHT="19" CONTENT=":" WIDTH="11" HPOS="1014" VPOS="289" ID="st21-41"/><SP/><String HEIGHT="19" CONTENT="How" WIDTH="39" HPOS="1032" VPOS="289" ID="st21-42"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="1077" VPOS="289" ID="st21-43"/><SP/><String HEIGHT="19" CONTENT="Check" WIDTH="52" HPOS="1101" VPOS="289" ID="st21-44"/><SP/><String HEIGHT="19" CONTENT="Corporate" WIDTH="80" HPOS="1160" VPOS="289" ID="st21-45"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1240" VPOS="289" ID="st21-46"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="71" HPOS="1256" VPOS="289" ID="st21-47"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1334" VPOS="289" ID="st21-48"/><SP/><String HEIGHT="19" CONTENT="Monopoly" WIDTH="84" HPOS="1372" VPOS="289" ID="st21-49"/></TextLine><TextLine HPOS="472" VPOS="313" ID="tl21-3" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Power" WIDTH="48" HPOS="472" VPOS="313" ID="st21-50"/><String HEIGHT="18" CONTENT="«" WIDTH="10" HPOS="520" VPOS="313" ID="st21-51"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="530" VPOS="313" ID="st21-52"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="545" VPOS="313" ID="st21-53"/><SP/><String HEIGHT="18" CONTENT="Roosevelt" WIDTH="79" HPOS="579" VPOS="313" ID="st21-54"/><SP/><String HEIGHT="18" CONTENT="Institute" WIDTH="64" HPOS="663" VPOS="313" ID="st21-55"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="727" VPOS="313" ID="st21-56"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="740" VPOS="313" ID="st21-57"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="821" VPOS="313" ID="st21-58"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="835" VPOS="313" ID="st21-59"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="33" HPOS="847" VPOS="313" ID="st21-60"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="880" VPOS="313" ID="st21-61"/><String HEIGHT="18" CONTENT="//rooseveltinstitute" WIDTH="169" HPOS="889" VPOS="313" ID="st21-62"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1058" VPOS="313" ID="st21-63"/><String HEIGHT="18" CONTENT="org/untamed" WIDTH="93" HPOS="1066" VPOS="313" ID="st21-64"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1159" VPOS="313" ID="st21-65"/><String HEIGHT="18" CONTENT="how" WIDTH="25" HPOS="1168" VPOS="313" ID="st21-66"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1193" VPOS="313" ID="st21-67"/><String HEIGHT="18" CONTENT="check" WIDTH="42" HPOS="1202" VPOS="313" ID="st21-68"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1244" VPOS="313" ID="st21-69"/><String HEIGHT="18" CONTENT="corporate" WIDTH="76" HPOS="1253" VPOS="313" ID="st21-70"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1329" VPOS="313" ID="st21-71"/><String HEIGHT="18" CONTENT="financial" WIDTH="76" HPOS="1337" VPOS="313" ID="st21-72"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1413" VPOS="313" ID="st21-73"/><String HEIGHT="18" CONTENT="and" WIDTH="26" HPOS="1422" VPOS="313" ID="st21-74" SUBS_TYPE="HypPart1" SUBS_CONTENT="andmonopoly"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="313" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="336" ID="tl21-4" WIDTH="153" HEIGHT="19"><String HEIGHT="19" CONTENT="monopoly" WIDTH="76" HPOS="472" VPOS="336" ID="st21-75" SUBS_TYPE="HypPart2" SUBS_CONTENT="andmonopoly"/><String HEIGHT="19" CONTENT="-" WIDTH="10" HPOS="548" VPOS="336" ID="st21-76"/><String HEIGHT="19" CONTENT="power/" WIDTH="57" HPOS="558" VPOS="336" ID="st21-77"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="615" VPOS="336" ID="st21-78"/></TextLine><TextLine HPOS="472" VPOS="371" ID="tl21-5" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Adrian" WIDTH="57" HPOS="472" VPOS="371" ID="st21-79"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="529" VPOS="371" ID="st21-80"/><SP/><String HEIGHT="19" CONTENT="T" WIDTH="6" HPOS="547" VPOS="371" ID="st21-81"/><String HEIGHT="19" CONTENT="." WIDTH="6" HPOS="553" VPOS="371" ID="st21-82"/><String HEIGHT="19" CONTENT="," WIDTH="7" HPOS="559" VPOS="371" ID="st21-83"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="574" VPOS="371" ID="st21-84"/><SP/><String HEIGHT="19" CONTENT="Ashcraft" WIDTH="72" HPOS="616" VPOS="371" ID="st21-85"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="688" VPOS="371" ID="st21-86"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="10" HPOS="705" VPOS="371" ID="st21-87"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="715" VPOS="371" ID="st21-88"/><SP/><String HEIGHT="19" CONTENT="B" WIDTH="8" HPOS="733" VPOS="371" ID="st21-89"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="741" VPOS="371" ID="st21-90"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="757" VPOS="371" ID="st21-91"/><String HEIGHT="19" CONTENT="2016" WIDTH="34" HPOS="765" VPOS="371" ID="st21-92"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="799" VPOS="371" ID="st21-93"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="808" VPOS="371" ID="st21-94"/><String HEIGHT="19" CONTENT="»" WIDTH="11" HPOS="824" VPOS="371" ID="st21-95"/><String HEIGHT="19" CONTENT="Shadow" WIDTH="67" HPOS="835" VPOS="371" ID="st21-96"/><SP/><String HEIGHT="19" CONTENT="banking" WIDTH="63" HPOS="910" VPOS="371" ID="st21-97"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="973" VPOS="371" ID="st21-98"/><SP/><String HEIGHT="19" CONTENT="a" WIDTH="10" HPOS="990" VPOS="371" ID="st21-99"/><SP/><String HEIGHT="19" CONTENT="review" WIDTH="54" HPOS="1007" VPOS="371" ID="st21-100"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="1068" VPOS="371" ID="st21-101"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1093" VPOS="371" ID="st21-102"/><SP/><String HEIGHT="19" CONTENT="literature" WIDTH="75" HPOS="1128" VPOS="371" ID="st21-103"/><String HEIGHT="19" CONTENT="«" WIDTH="7" HPOS="1203" VPOS="371" ID="st21-104"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1210" VPOS="371" ID="st21-105"/><SP/><String HEIGHT="19" CONTENT="Banking" WIDTH="67" HPOS="1226" VPOS="371" ID="st21-106"/><SP/><String HEIGHT="19" CONTENT="Crisis" WIDTH="42" HPOS="1301" VPOS="371" ID="st21-107"/><String HEIGHT="19" CONTENT="." WIDTH="5" HPOS="1343" VPOS="371" ID="st21-108"/><SP/><String HEIGHT="19" CONTENT="ed" WIDTH="20" HPOS="1356" VPOS="371" ID="st21-109"/><SP/><String HEIGHT="19" CONTENT="G" WIDTH="9" HPOS="1384" VPOS="371" ID="st21-110"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1393" VPOS="371" ID="st21-111"/><SP/><String HEIGHT="19" CONTENT="Jones" WIDTH="45" HPOS="1411" VPOS="371" ID="st21-112"/></TextLine><TextLine HPOS="472" VPOS="395" ID="tl21-6" WIDTH="976" HEIGHT="18"><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="472" VPOS="395" ID="st21-113"/><String HEIGHT="18" CONTENT="London" WIDTH="54" HPOS="481" VPOS="395" ID="st21-114"/><String HEIGHT="18" CONTENT=":" WIDTH="10" HPOS="535" VPOS="395" ID="st21-115"/><SP/><String HEIGHT="18" CONTENT="Palgrave" WIDTH="69" HPOS="551" VPOS="395" ID="st21-116"/><SP/><String HEIGHT="18" CONTENT="MacMillan" WIDTH="80" HPOS="625" VPOS="395" ID="st21-117"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="705" VPOS="395" ID="st21-118"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="714" VPOS="395" ID="st21-119"/><SP/><String HEIGHT="18" CONTENT="282–315" WIDTH="70" HPOS="728" VPOS="395" ID="st21-120"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="798" VPOS="395" ID="st21-121"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="813" VPOS="395" ID="st21-122"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="895" VPOS="395" ID="st21-123"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="909" VPOS="395" ID="st21-124"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="44" HPOS="923" VPOS="395" ID="st21-125"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="967" VPOS="395" ID="st21-126"/><String HEIGHT="18" CONTENT="//link" WIDTH="53" HPOS="976" VPOS="395" ID="st21-127"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1029" VPOS="395" ID="st21-128"/><String HEIGHT="18" CONTENT="springer" WIDTH="71" HPOS="1038" VPOS="395" ID="st21-129"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1109" VPOS="395" ID="st21-130"/><String HEIGHT="18" CONTENT="com/chapter/10" WIDTH="125" HPOS="1118" VPOS="395" ID="st21-131"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1243" VPOS="395" ID="st21-132"/><String HEIGHT="18" CONTENT="1057/9781137553799" WIDTH="160" HPOS="1252" VPOS="395" ID="st21-133"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="1412" VPOS="395" ID="st21-134"/><String HEIGHT="18" CONTENT="29" WIDTH="18" HPOS="1421" VPOS="395" ID="st21-135"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1439" VPOS="395" ID="st21-136"/></TextLine><TextLine HPOS="472" VPOS="430" ID="tl21-7" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Alloway" WIDTH="69" HPOS="472" VPOS="430" ID="st21-137"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="541" VPOS="430" ID="st21-138"/><SP/><String HEIGHT="18" CONTENT="T" WIDTH="7" HPOS="558" VPOS="430" ID="st21-139"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="565" VPOS="430" ID="st21-140"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="579" VPOS="430" ID="st21-141"/><String HEIGHT="18" CONTENT="2017" WIDTH="34" HPOS="587" VPOS="430" ID="st21-142"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="621" VPOS="430" ID="st21-143"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="630" VPOS="430" ID="st21-144"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="646" VPOS="430" ID="st21-145"/><String HEIGHT="18" CONTENT="As" WIDTH="21" HPOS="656" VPOS="430" ID="st21-146"/><SP/><String HEIGHT="18" CONTENT="Credit" WIDTH="51" HPOS="684" VPOS="430" ID="st21-147"/><SP/><String HEIGHT="18" CONTENT="Booms" WIDTH="50" HPOS="742" VPOS="430" ID="st21-148"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="792" VPOS="430" ID="st21-149"/><SP/><String HEIGHT="18" CONTENT="Citi" WIDTH="28" HPOS="810" VPOS="430" ID="st21-150"/><SP/><String HEIGHT="18" CONTENT="Says" WIDTH="36" HPOS="845" VPOS="430" ID="st21-151"/><SP/><String HEIGHT="18" CONTENT="Synthetic" WIDTH="76" HPOS="888" VPOS="430" ID="st21-152"/><SP/><String HEIGHT="18" CONTENT="CDOs" WIDTH="47" HPOS="971" VPOS="430" ID="st21-153"/><SP/><String HEIGHT="18" CONTENT="May" WIDTH="36" HPOS="1025" VPOS="430" ID="st21-154"/><SP/><String HEIGHT="18" CONTENT="Reach" WIDTH="49" HPOS="1068" VPOS="430" ID="st21-155"/><String HEIGHT="18" CONTENT="$" WIDTH="10" HPOS="1125" VPOS="430" ID="st21-156"/><String HEIGHT="18" CONTENT="100" WIDTH="33" HPOS="1135" VPOS="430" ID="st21-157"/><SP/><String HEIGHT="18" CONTENT="Billion" WIDTH="51" HPOS="1175" VPOS="430" ID="st21-158"/><String HEIGHT="18" CONTENT="«" WIDTH="7" HPOS="1226" VPOS="430" ID="st21-159"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1233" VPOS="430" ID="st21-160"/><SP/><String HEIGHT="18" CONTENT="Bloomberg" WIDTH="86" HPOS="1248" VPOS="430" ID="st21-161"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1334" VPOS="430" ID="st21-162"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1351" VPOS="430" ID="st21-163"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1435" VPOS="430" ID="st21-164"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1449" VPOS="430" ID="st21-165"/></TextLine><TextLine HPOS="472" VPOS="453" ID="tl21-8" WIDTH="980" HEIGHT="18"><String HEIGHT="18" CONTENT="https" WIDTH="43" HPOS="472" VPOS="453" ID="st21-166"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="515" VPOS="453" ID="st21-167"/><String HEIGHT="18" CONTENT="//www" WIDTH="43" HPOS="523" VPOS="453" ID="st21-168"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="566" VPOS="453" ID="st21-169"/><String HEIGHT="18" CONTENT="bloomberg" WIDTH="77" HPOS="575" VPOS="453" ID="st21-170"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="652" VPOS="453" ID="st21-171"/><String HEIGHT="18" CONTENT="com/news/articles/2017" WIDTH="189" HPOS="661" VPOS="453" ID="st21-172"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="850" VPOS="453" ID="st21-173"/><String HEIGHT="18" CONTENT="11" WIDTH="17" HPOS="859" VPOS="453" ID="st21-174"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="876" VPOS="453" ID="st21-175"/><String HEIGHT="18" CONTENT="02/as" WIDTH="43" HPOS="885" VPOS="453" ID="st21-176"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="928" VPOS="453" ID="st21-177"/><String HEIGHT="18" CONTENT="credit" WIDTH="52" HPOS="936" VPOS="453" ID="st21-178"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="988" VPOS="453" ID="st21-179"/><String HEIGHT="18" CONTENT="booms" WIDTH="43" HPOS="996" VPOS="453" ID="st21-180"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1039" VPOS="453" ID="st21-181"/><String HEIGHT="18" CONTENT="citi" WIDTH="34" HPOS="1048" VPOS="453" ID="st21-182"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1082" VPOS="453" ID="st21-183"/><String HEIGHT="18" CONTENT="says" WIDTH="35" HPOS="1091" VPOS="453" ID="st21-184"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1126" VPOS="453" ID="st21-185"/><String HEIGHT="18" CONTENT="synthetic" WIDTH="78" HPOS="1134" VPOS="453" ID="st21-186"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1212" VPOS="453" ID="st21-187"/><String HEIGHT="18" CONTENT="cdos" WIDTH="35" HPOS="1220" VPOS="453" ID="st21-188"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1255" VPOS="453" ID="st21-189"/><String HEIGHT="18" CONTENT="may" WIDTH="26" HPOS="1263" VPOS="453" ID="st21-190"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1289" VPOS="453" ID="st21-191"/><String HEIGHT="18" CONTENT="reach" WIDTH="43" HPOS="1298" VPOS="453" ID="st21-192"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1341" VPOS="453" ID="st21-193"/><String HEIGHT="18" CONTENT="100" WIDTH="26" HPOS="1349" VPOS="453" ID="st21-194"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1375" VPOS="453" ID="st21-195"/><String HEIGHT="18" CONTENT="billion" WIDTH="60" HPOS="1384" VPOS="453" ID="st21-196"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1444" VPOS="453" ID="st21-197"/></TextLine><TextLine HPOS="472" VPOS="488" ID="tl21-9" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Arcand" WIDTH="60" HPOS="472" VPOS="488" ID="st21-198"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="532" VPOS="488" ID="st21-199"/><SP/><String HEIGHT="19" CONTENT="J" WIDTH="6" HPOS="550" VPOS="488" ID="st21-200"/><String HEIGHT="19" CONTENT="." WIDTH="6" HPOS="556" VPOS="488" ID="st21-201"/><String HEIGHT="19" CONTENT="," WIDTH="6" HPOS="562" VPOS="488" ID="st21-202"/><SP/><String HEIGHT="19" CONTENT="Berkes" WIDTH="56" HPOS="576" VPOS="488" ID="st21-203"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="632" VPOS="488" ID="st21-204"/><SP/><String HEIGHT="19" CONTENT="E" WIDTH="7" HPOS="650" VPOS="488" ID="st21-205"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="657" VPOS="488" ID="st21-206"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="664" VPOS="488" ID="st21-207"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="680" VPOS="488" ID="st21-208"/><SP/><String HEIGHT="19" CONTENT="Panizza" WIDTH="65" HPOS="722" VPOS="488" ID="st21-209"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="787" VPOS="488" ID="st21-210"/><SP/><String HEIGHT="19" CONTENT="U" WIDTH="9" HPOS="805" VPOS="488" ID="st21-211"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="814" VPOS="488" ID="st21-212"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="833" VPOS="488" ID="st21-213"/><String HEIGHT="19" CONTENT="2012" WIDTH="34" HPOS="841" VPOS="488" ID="st21-214"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="875" VPOS="488" ID="st21-215"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="883" VPOS="488" ID="st21-216"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="900" VPOS="488" ID="st21-217"/><String HEIGHT="19" CONTENT="Too" WIDTH="30" HPOS="910" VPOS="488" ID="st21-218"/><SP/><String HEIGHT="19" CONTENT="Much" WIDTH="48" HPOS="948" VPOS="488" ID="st21-219"/><SP/><String HEIGHT="19" CONTENT="Finance" WIDTH="64" HPOS="1004" VPOS="488" ID="st21-220"/><String HEIGHT="19" CONTENT="?" WIDTH="9" HPOS="1068" VPOS="488" ID="st21-221"/><String HEIGHT="19" CONTENT="«" WIDTH="10" HPOS="1077" VPOS="488" ID="st21-222"/><SP/><String HEIGHT="19" CONTENT="IMF" WIDTH="30" HPOS="1095" VPOS="488" ID="st21-223"/><SP/><String HEIGHT="19" CONTENT="Working" WIDTH="71" HPOS="1133" VPOS="488" ID="st21-224"/><SP/><String HEIGHT="19" CONTENT="Paper" WIDTH="41" HPOS="1212" VPOS="488" ID="st21-225"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1253" VPOS="488" ID="st21-226"/><SP/><String HEIGHT="19" CONTENT="Research" WIDTH="73" HPOS="1270" VPOS="488" ID="st21-227"/><SP/><String HEIGHT="19" CONTENT="Department" WIDTH="95" HPOS="1351" VPOS="488" ID="st21-228"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1446" VPOS="488" ID="st21-229"/></TextLine><TextLine HPOS="472" VPOS="512" ID="tl21-10" WIDTH="616" HEIGHT="18"><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="512" ID="st21-230"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="554" VPOS="512" ID="st21-231"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="568" VPOS="512" ID="st21-232"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="44" HPOS="581" VPOS="512" ID="st21-233"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="625" VPOS="512" ID="st21-234"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="634" VPOS="512" ID="st21-235"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="679" VPOS="512" ID="st21-236"/><String HEIGHT="18" CONTENT="imf" WIDTH="27" HPOS="687" VPOS="512" ID="st21-237"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="714" VPOS="512" ID="st21-238"/><String HEIGHT="18" CONTENT="org/external/pubs/ft/wp/2012/wp12161" WIDTH="321" HPOS="723" VPOS="512" ID="st21-239"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1044" VPOS="512" ID="st21-240"/><String HEIGHT="18" CONTENT="pdf" WIDTH="27" HPOS="1053" VPOS="512" ID="st21-241"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1080" VPOS="512" ID="st21-242"/></TextLine><TextLine HPOS="472" VPOS="547" ID="tl21-11" WIDTH="985" HEIGHT="18"><String HEIGHT="18" CONTENT="Arnold" WIDTH="58" HPOS="472" VPOS="547" ID="st21-243"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="530" VPOS="547" ID="st21-244"/><SP/><String HEIGHT="18" CONTENT="C" WIDTH="8" HPOS="549" VPOS="547" ID="st21-245"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="557" VPOS="547" ID="st21-246"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="575" VPOS="547" ID="st21-247"/><String HEIGHT="18" CONTENT="9" WIDTH="8" HPOS="583" VPOS="547" ID="st21-248"/><SP/><String HEIGHT="18" CONTENT="September" WIDTH="90" HPOS="600" VPOS="547" ID="st21-249"/><SP/><String HEIGHT="18" CONTENT="2016" WIDTH="39" HPOS="698" VPOS="547" ID="st21-250"/><String HEIGHT="18" CONTENT=")" WIDTH="10" HPOS="737" VPOS="547" ID="st21-251"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="756" VPOS="547" ID="st21-252"/><String HEIGHT="18" CONTENT="Wells" WIDTH="46" HPOS="765" VPOS="547" ID="st21-253"/><SP/><String HEIGHT="18" CONTENT="Fargo" WIDTH="47" HPOS="819" VPOS="547" ID="st21-254"/><SP/><String HEIGHT="18" CONTENT="Fires" WIDTH="36" HPOS="875" VPOS="547" ID="st21-255"/><SP/><String HEIGHT="18" CONTENT="5,000" WIDTH="48" HPOS="920" VPOS="547" ID="st21-256"/><SP/><String HEIGHT="18" CONTENT="Employees" WIDTH="88" HPOS="977" VPOS="547" ID="st21-257"/><SP/><String HEIGHT="18" CONTENT="Over" WIDTH="39" HPOS="1073" VPOS="547" ID="st21-258"/><SP/><String HEIGHT="18" CONTENT="Fake" WIDTH="38" HPOS="1121" VPOS="547" ID="st21-259"/><SP/><String HEIGHT="18" CONTENT="Accounts" WIDTH="74" HPOS="1168" VPOS="547" ID="st21-260"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1242" VPOS="547" ID="st21-261"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1251" VPOS="547" ID="st21-262"/><SP/><String HEIGHT="18" CONTENT="National" WIDTH="70" HPOS="1269" VPOS="547" ID="st21-263"/><SP/><String HEIGHT="18" CONTENT="Public" WIDTH="49" HPOS="1347" VPOS="547" ID="st21-264"/><SP/><String HEIGHT="18" CONTENT="Radio" WIDTH="43" HPOS="1405" VPOS="547" ID="st21-265"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1448" VPOS="547" ID="st21-266"/></TextLine><TextLine HPOS="472" VPOS="570" ID="tl21-12" WIDTH="939" HEIGHT="18"><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="570" ID="st21-267"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="554" VPOS="570" ID="st21-268"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="568" VPOS="570" ID="st21-269"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="44" HPOS="581" VPOS="570" ID="st21-270"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="625" VPOS="570" ID="st21-271"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="633" VPOS="570" ID="st21-272"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="678" VPOS="570" ID="st21-273"/><String HEIGHT="18" CONTENT="npr" WIDTH="27" HPOS="686" VPOS="570" ID="st21-274"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="713" VPOS="570" ID="st21-275"/><String HEIGHT="18" CONTENT="org/2016/09/09/493228759/wells" WIDTH="265" HPOS="722" VPOS="570" ID="st21-276"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="987" VPOS="570" ID="st21-277"/><String HEIGHT="18" CONTENT="fargo" WIDTH="44" HPOS="996" VPOS="570" ID="st21-278"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1040" VPOS="570" ID="st21-279"/><String HEIGHT="18" CONTENT="fires" WIDTH="45" HPOS="1048" VPOS="570" ID="st21-280"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1093" VPOS="570" ID="st21-281"/><String HEIGHT="18" CONTENT="5" WIDTH="9" HPOS="1101" VPOS="570" ID="st21-282"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1110" VPOS="570" ID="st21-283"/><String HEIGHT="18" CONTENT="000" WIDTH="27" HPOS="1119" VPOS="570" ID="st21-284"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1146" VPOS="570" ID="st21-285"/><String HEIGHT="18" CONTENT="employees" WIDTH="80" HPOS="1154" VPOS="570" ID="st21-286"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1234" VPOS="570" ID="st21-287"/><String HEIGHT="18" CONTENT="over" WIDTH="35" HPOS="1243" VPOS="570" ID="st21-288"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1278" VPOS="570" ID="st21-289"/><String HEIGHT="18" CONTENT="fake" WIDTH="35" HPOS="1287" VPOS="570" ID="st21-290"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1322" VPOS="570" ID="st21-291"/><String HEIGHT="18" CONTENT="accounts" WIDTH="71" HPOS="1331" VPOS="570" ID="st21-292"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1402" VPOS="570" ID="st21-293"/></TextLine><TextLine HPOS="472" VPOS="605" ID="tl21-13" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Bapuji" WIDTH="54" HPOS="472" VPOS="605" ID="st21-294"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="526" VPOS="605" ID="st21-295"/><SP/><String HEIGHT="19" CONTENT="H" WIDTH="8" HPOS="543" VPOS="605" ID="st21-296"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="551" VPOS="605" ID="st21-297"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="559" VPOS="605" ID="st21-298"/><SP/><String HEIGHT="19" CONTENT="Husted" WIDTH="60" HPOS="577" VPOS="605" ID="st21-299"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="637" VPOS="605" ID="st21-300"/><SP/><String HEIGHT="19" CONTENT="B" WIDTH="7" HPOS="655" VPOS="605" ID="st21-301"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="662" VPOS="605" ID="st21-302"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="670" VPOS="605" ID="st21-303"/><SP/><String HEIGHT="19" CONTENT="Lu" WIDTH="18" HPOS="687" VPOS="605" ID="st21-304"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="705" VPOS="605" ID="st21-305"/><SP/><String HEIGHT="19" CONTENT="J" WIDTH="6" HPOS="722" VPOS="605" ID="st21-306"/><String HEIGHT="19" CONTENT="." WIDTH="6" HPOS="728" VPOS="605" ID="st21-307"/><String HEIGHT="19" CONTENT="," WIDTH="7" HPOS="734" VPOS="605" ID="st21-308"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="35" HPOS="749" VPOS="605" ID="st21-309"/><SP/><String HEIGHT="19" CONTENT="Mir" WIDTH="26" HPOS="792" VPOS="605" ID="st21-310"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="818" VPOS="605" ID="st21-311"/><SP/><String HEIGHT="19" CONTENT="M" WIDTH="12" HPOS="836" VPOS="605" ID="st21-312"/><String HEIGHT="19" CONTENT="." WIDTH="12" HPOS="848" VPOS="605" ID="st21-313"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="868" VPOS="605" ID="st21-314"/><String HEIGHT="19" CONTENT="2018" WIDTH="34" HPOS="876" VPOS="605" ID="st21-315"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="910" VPOS="605" ID="st21-316"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="919" VPOS="605" ID="st21-317"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="936" VPOS="605" ID="st21-318"/><String HEIGHT="19" CONTENT="Value" WIDTH="48" HPOS="945" VPOS="605" ID="st21-319"/><SP/><String HEIGHT="19" CONTENT="Creation" WIDTH="68" HPOS="1001" VPOS="605" ID="st21-320"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1069" VPOS="605" ID="st21-321"/><SP/><String HEIGHT="19" CONTENT="Appropriation" WIDTH="112" HPOS="1086" VPOS="605" ID="st21-322"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1198" VPOS="605" ID="st21-323"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="1215" VPOS="605" ID="st21-324"/><SP/><String HEIGHT="19" CONTENT="Distribution" WIDTH="94" HPOS="1255" VPOS="605" ID="st21-325"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1349" VPOS="605" ID="st21-326"/><SP/><String HEIGHT="19" CONTENT="How" WIDTH="38" HPOS="1366" VPOS="605" ID="st21-327"/><SP/><String HEIGHT="19" CONTENT="Firms" WIDTH="43" HPOS="1413" VPOS="605" ID="st21-328"/></TextLine><TextLine HPOS="472" VPOS="628" ID="tl21-14" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Contribute" WIDTH="90" HPOS="472" VPOS="628" ID="st21-329"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="566" VPOS="628" ID="st21-330"/><SP/><String HEIGHT="19" CONTENT="Societal" WIDTH="64" HPOS="588" VPOS="628" ID="st21-331"/><SP/><String HEIGHT="19" CONTENT="Economic" WIDTH="80" HPOS="657" VPOS="628" ID="st21-332"/><SP/><String HEIGHT="19" CONTENT="Inequality" WIDTH="80" HPOS="741" VPOS="628" ID="st21-333"/><String HEIGHT="19" CONTENT="«" WIDTH="8" HPOS="821" VPOS="628" ID="st21-334"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="829" VPOS="628" ID="st21-335"/><SP/><String HEIGHT="19" CONTENT="Business" WIDTH="69" HPOS="842" VPOS="628" ID="st21-336"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="916" VPOS="628" ID="st21-337"/><SP/><String HEIGHT="19" CONTENT="Society" WIDTH="54" HPOS="952" VPOS="628" ID="st21-338"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1006" VPOS="628" ID="st21-339"/><SP/><String HEIGHT="19" CONTENT="Volume" WIDTH="58" HPOS="1018" VPOS="628" ID="st21-340"/><String HEIGHT="19" CONTENT=":" WIDTH="10" HPOS="1076" VPOS="628" ID="st21-341"/><SP/><String HEIGHT="19" CONTENT="57" WIDTH="22" HPOS="1091" VPOS="628" ID="st21-342"/><SP/><String HEIGHT="19" CONTENT="issue" WIDTH="38" HPOS="1117" VPOS="628" ID="st21-343"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1155" VPOS="628" ID="st21-344"/><SP/><String HEIGHT="19" CONTENT="6" WIDTH="8" HPOS="1167" VPOS="628" ID="st21-345"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1175" VPOS="628" ID="st21-346"/><SP/><String HEIGHT="19" CONTENT="page" WIDTH="32" HPOS="1188" VPOS="628" ID="st21-347"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="1220" VPOS="628" ID="st21-348"/><String HEIGHT="19" CONTENT="s" WIDTH="8" HPOS="1228" VPOS="628" ID="st21-349"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="1236" VPOS="628" ID="st21-350"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1244" VPOS="628" ID="st21-351"/><SP/><String HEIGHT="19" CONTENT="983–1009" WIDTH="80" HPOS="1258" VPOS="628" ID="st21-352"/><String HEIGHT="19" CONTENT="." WIDTH="11" HPOS="1338" VPOS="628" ID="st21-353"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="1353" VPOS="628" ID="st21-354"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1435" VPOS="628" ID="st21-355"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="1449" VPOS="628" ID="st21-356"/></TextLine><TextLine HPOS="472" VPOS="652" ID="tl21-15" WIDTH="555" HEIGHT="18"><String HEIGHT="18" CONTENT="http" WIDTH="35" HPOS="472" VPOS="652" ID="st21-357"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="507" VPOS="652" ID="st21-358"/><String HEIGHT="18" CONTENT="//journals" WIDTH="90" HPOS="516" VPOS="652" ID="st21-359"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="606" VPOS="652" ID="st21-360"/><String HEIGHT="18" CONTENT="sagepub" WIDTH="62" HPOS="615" VPOS="652" ID="st21-361"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="677" VPOS="652" ID="st21-362"/><String HEIGHT="18" CONTENT="com/doi/full/10" WIDTH="135" HPOS="686" VPOS="652" ID="st21-363"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="821" VPOS="652" ID="st21-364"/><String HEIGHT="18" CONTENT="1177/0007650318758390" WIDTH="188" HPOS="830" VPOS="652" ID="st21-365"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1018" VPOS="652" ID="st21-366"/></TextLine><TextLine HPOS="472" VPOS="687" ID="tl21-16" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Barr" WIDTH="32" HPOS="472" VPOS="687" ID="st21-367"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="504" VPOS="687" ID="st21-368"/><SP/><String HEIGHT="18" CONTENT="M" WIDTH="11" HPOS="522" VPOS="687" ID="st21-369"/><String HEIGHT="18" CONTENT="." WIDTH="12" HPOS="533" VPOS="687" ID="st21-370"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="554" VPOS="687" ID="st21-371"/><String HEIGHT="18" CONTENT="2017" WIDTH="34" HPOS="562" VPOS="687" ID="st21-372"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="596" VPOS="687" ID="st21-373"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="604" VPOS="687" ID="st21-374"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="621" VPOS="687" ID="st21-375"/><String HEIGHT="18" CONTENT="Testimony" WIDTH="84" HPOS="630" VPOS="687" ID="st21-376"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="18" HPOS="722" VPOS="687" ID="st21-377"/><SP/><String HEIGHT="18" CONTENT="Michael" WIDTH="65" HPOS="748" VPOS="687" ID="st21-378"/><SP/><String HEIGHT="18" CONTENT="S" WIDTH="7" HPOS="821" VPOS="687" ID="st21-379"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="828" VPOS="687" ID="st21-380"/><SP/><String HEIGHT="18" CONTENT="Barr" WIDTH="34" HPOS="844" VPOS="687" ID="st21-381"/><SP/><String HEIGHT="18" CONTENT="before" WIDTH="54" HPOS="886" VPOS="687" ID="st21-382"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="948" VPOS="687" ID="st21-383"/><SP/><String HEIGHT="18" CONTENT="United" WIDTH="55" HPOS="983" VPOS="687" ID="st21-384"/><SP/><String HEIGHT="18" CONTENT="States" WIDTH="49" HPOS="1047" VPOS="687" ID="st21-385"/><SP/><String HEIGHT="18" CONTENT="House" WIDTH="51" HPOS="1105" VPOS="687" ID="st21-386"/><SP/><String HEIGHT="18" CONTENT="Committee" WIDTH="93" HPOS="1165" VPOS="687" ID="st21-387"/><SP/><String HEIGHT="18" CONTENT="on" WIDTH="21" HPOS="1266" VPOS="687" ID="st21-388"/><SP/><String HEIGHT="18" CONTENT="Financial" WIDTH="71" HPOS="1296" VPOS="687" ID="st21-389"/><SP/><String HEIGHT="18" CONTENT="Services" WIDTH="64" HPOS="1375" VPOS="687" ID="st21-390"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="1439" VPOS="687" ID="st21-391"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="687" ID="st21-392"/></TextLine><TextLine HPOS="472" VPOS="710" ID="tl21-17" WIDTH="983" HEIGHT="19"><String HEIGHT="19" CONTENT="Hearing" WIDTH="65" HPOS="472" VPOS="710" ID="st21-393"/><SP/><String HEIGHT="19" CONTENT="on" WIDTH="22" HPOS="543" VPOS="710" ID="st21-394"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="571" VPOS="710" ID="st21-395"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="71" HPOS="605" VPOS="710" ID="st21-396"/><SP/><String HEIGHT="19" CONTENT="Choice" WIDTH="57" HPOS="682" VPOS="710" ID="st21-397"/><SP/><String HEIGHT="19" CONTENT="Act" WIDTH="28" HPOS="746" VPOS="710" ID="st21-398"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="780" VPOS="710" ID="st21-399"/><SP/><String HEIGHT="19" CONTENT="2017" WIDTH="39" HPOS="804" VPOS="710" ID="st21-400"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="843" VPOS="710" ID="st21-401"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="859" VPOS="710" ID="st21-402"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="942" VPOS="710" ID="st21-403"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="956" VPOS="710" ID="st21-404"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="41" HPOS="970" VPOS="710" ID="st21-405"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1011" VPOS="710" ID="st21-406"/><String HEIGHT="19" CONTENT="//financialservices" WIDTH="156" HPOS="1019" VPOS="710" ID="st21-407"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1175" VPOS="710" ID="st21-408"/><String HEIGHT="19" CONTENT="house" WIDTH="41" HPOS="1184" VPOS="710" ID="st21-409"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1225" VPOS="710" ID="st21-410"/><String HEIGHT="19" CONTENT="gov/uploadedfiles/hhrg" WIDTH="181" HPOS="1233" VPOS="710" ID="st21-411"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1414" VPOS="710" ID="st21-412"/><String HEIGHT="19" CONTENT="115" WIDTH="24" HPOS="1423" VPOS="710" ID="st21-413" SUBS_TYPE="HypPart1" SUBS_CONTENT="115ba00"/><HYP CONTENT="-" WIDTH="8" HPOS="1447" VPOS="710" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="734" ID="tl21-18" WIDTH="291" HEIGHT="18"><String HEIGHT="18" CONTENT="ba00" WIDTH="37" HPOS="472" VPOS="734" ID="st21-414" SUBS_TYPE="HypPart2" SUBS_CONTENT="115ba00"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="509" VPOS="734" ID="st21-415"/><String HEIGHT="18" CONTENT="wstate" WIDTH="57" HPOS="518" VPOS="734" ID="st21-416"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="575" VPOS="734" ID="st21-417"/><String HEIGHT="18" CONTENT="mbarr" WIDTH="47" HPOS="584" VPOS="734" ID="st21-418"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="631" VPOS="734" ID="st21-419"/><String HEIGHT="18" CONTENT="20170426" WIDTH="76" HPOS="640" VPOS="734" ID="st21-420"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="716" VPOS="734" ID="st21-421"/><String HEIGHT="18" CONTENT="pdf" WIDTH="28" HPOS="725" VPOS="734" ID="st21-422"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="753" VPOS="734" ID="st21-423"/></TextLine><TextLine HPOS="472" VPOS="769" ID="tl21-19" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Bertranou" WIDTH="87" HPOS="472" VPOS="769" ID="st21-424"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="559" VPOS="769" ID="st21-425"/><SP/><String HEIGHT="18" CONTENT="F" WIDTH="6" HPOS="578" VPOS="769" ID="st21-426"/><String HEIGHT="18" CONTENT="." WIDTH="6" HPOS="584" VPOS="769" ID="st21-427"/><String HEIGHT="18" CONTENT="," WIDTH="6" HPOS="590" VPOS="769" ID="st21-428"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="35" HPOS="604" VPOS="769" ID="st21-429"/><SP/><String HEIGHT="18" CONTENT="Casanova" WIDTH="81" HPOS="648" VPOS="769" ID="st21-430"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="729" VPOS="769" ID="st21-431"/><SP/><String HEIGHT="18" CONTENT="L" WIDTH="7" HPOS="749" VPOS="769" ID="st21-432"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="756" VPOS="769" ID="st21-433"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="773" VPOS="769" ID="st21-434"/><String HEIGHT="18" CONTENT="2016" WIDTH="34" HPOS="781" VPOS="769" ID="st21-435"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="815" VPOS="769" ID="st21-436"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="823" VPOS="769" ID="st21-437"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="841" VPOS="769" ID="st21-438"/><String HEIGHT="18" CONTENT="Labour" WIDTH="59" HPOS="850" VPOS="769" ID="st21-439"/><SP/><String HEIGHT="18" CONTENT="Institutions" WIDTH="90" HPOS="918" VPOS="769" ID="st21-440"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1017" VPOS="769" ID="st21-441"/><SP/><String HEIGHT="18" CONTENT="Labour" WIDTH="57" HPOS="1057" VPOS="769" ID="st21-442"/><SP/><String HEIGHT="18" CONTENT="Market" WIDTH="59" HPOS="1123" VPOS="769" ID="st21-443"/><SP/><String HEIGHT="18" CONTENT="Performance" WIDTH="104" HPOS="1191" VPOS="769" ID="st21-444"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1304" VPOS="769" ID="st21-445"/><SP/><String HEIGHT="18" CONTENT="Argentina" WIDTH="80" HPOS="1328" VPOS="769" ID="st21-446"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1408" VPOS="769" ID="st21-447"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1417" VPOS="769" ID="st21-448"/><SP/><String HEIGHT="18" CONTENT="In" WIDTH="14" HPOS="1435" VPOS="769" ID="st21-449" SUBS_TYPE="HypPart1" SUBS_CONTENT="International"/><HYP CONTENT="-" WIDTH="7" HPOS="1449" VPOS="769" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="792" ID="tl21-20" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="ternational" WIDTH="91" HPOS="472" VPOS="792" ID="st21-450" SUBS_TYPE="HypPart2" SUBS_CONTENT="International"/><SP/><String HEIGHT="19" CONTENT="Labour" WIDTH="58" HPOS="571" VPOS="792" ID="st21-451"/><SP/><String HEIGHT="19" CONTENT="Organization" WIDTH="104" HPOS="638" VPOS="792" ID="st21-452"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="742" VPOS="792" ID="st21-453"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="760" VPOS="792" ID="st21-454"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="846" VPOS="792" ID="st21-455"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="860" VPOS="792" ID="st21-456"/><SP/><String HEIGHT="19" CONTENT="http" WIDTH="33" HPOS="876" VPOS="792" ID="st21-457"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="909" VPOS="792" ID="st21-458"/><String HEIGHT="19" CONTENT="//www" WIDTH="41" HPOS="917" VPOS="792" ID="st21-459"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="958" VPOS="792" ID="st21-460"/><String HEIGHT="19" CONTENT="ilo" WIDTH="25" HPOS="967" VPOS="792" ID="st21-461"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="992" VPOS="792" ID="st21-462"/><String HEIGHT="19" CONTENT="org/wcmsp5/groups/public/" WIDTH="207" HPOS="1000" VPOS="792" ID="st21-463"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1207" VPOS="792" ID="st21-464"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1215" VPOS="792" ID="st21-465"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1224" VPOS="792" ID="st21-466"/><String HEIGHT="19" CONTENT="americas/" WIDTH="74" HPOS="1232" VPOS="792" ID="st21-467"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1306" VPOS="792" ID="st21-468"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1315" VPOS="792" ID="st21-469"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1323" VPOS="792" ID="st21-470"/><String HEIGHT="19" CONTENT="ro" WIDTH="17" HPOS="1331" VPOS="792" ID="st21-471"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1348" VPOS="792" ID="st21-472"/><String HEIGHT="19" CONTENT="lima/" WIDTH="42" HPOS="1356" VPOS="792" ID="st21-473"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1398" VPOS="792" ID="st21-474"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1406" VPOS="792" ID="st21-475"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1414" VPOS="792" ID="st21-476"/><String HEIGHT="19" CONTENT="ilo" WIDTH="26" HPOS="1422" VPOS="792" ID="st21-477" SUBS_TYPE="HypPart1" SUBS_CONTENT="ilobuenos"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="792" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="815" ID="tl21-21" WIDTH="468" HEIGHT="19"><String HEIGHT="19" CONTENT="buenos" WIDTH="55" HPOS="472" VPOS="815" ID="st21-478" SUBS_TYPE="HypPart2" SUBS_CONTENT="ilobuenos"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="527" VPOS="815" ID="st21-479"/><String HEIGHT="19" CONTENT="aires/documents/publication/wcms" WIDTH="294" HPOS="536" VPOS="815" ID="st21-480"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="830" VPOS="815" ID="st21-481"/><String HEIGHT="19" CONTENT="472757" WIDTH="56" HPOS="839" VPOS="815" ID="st21-482"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="895" VPOS="815" ID="st21-483"/><String HEIGHT="19" CONTENT="pdf" WIDTH="27" HPOS="904" VPOS="815" ID="st21-484"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="931" VPOS="815" ID="st21-485"/></TextLine><TextLine HPOS="472" VPOS="851" ID="tl21-22" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Birkenshaw" WIDTH="100" HPOS="472" VPOS="851" ID="st21-486"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="572" VPOS="851" ID="st21-487"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="589" VPOS="851" ID="st21-488"/><String HEIGHT="18" CONTENT="." WIDTH="6" HPOS="595" VPOS="851" ID="st21-489"/><String HEIGHT="18" CONTENT="," WIDTH="6" HPOS="601" VPOS="851" ID="st21-490"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="35" HPOS="612" VPOS="851" ID="st21-491"/><SP/><String HEIGHT="18" CONTENT="Heywood" WIDTH="82" HPOS="652" VPOS="851" ID="st21-492"/><String HEIGHT="18" CONTENT="," WIDTH="12" HPOS="734" VPOS="851" ID="st21-493"/><SP/><String HEIGHT="18" CONTENT="S" WIDTH="8" HPOS="752" VPOS="851" ID="st21-494"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="760" VPOS="851" ID="st21-495"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="773" VPOS="851" ID="st21-496"/><String HEIGHT="18" CONTENT="26" WIDTH="18" HPOS="782" VPOS="851" ID="st21-497"/><SP/><String HEIGHT="18" CONTENT="October" WIDTH="67" HPOS="806" VPOS="851" ID="st21-498"/><SP/><String HEIGHT="18" CONTENT="2009" WIDTH="36" HPOS="878" VPOS="851" ID="st21-499"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="914" VPOS="851" ID="st21-500"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="923" VPOS="851" ID="st21-501"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="937" VPOS="851" ID="st21-502"/><String HEIGHT="18" CONTENT="Too" WIDTH="30" HPOS="947" VPOS="851" ID="st21-503"/><SP/><String HEIGHT="18" CONTENT="Big" WIDTH="26" HPOS="983" VPOS="851" ID="st21-504"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="1014" VPOS="851" ID="st21-505"/><SP/><String HEIGHT="18" CONTENT="Manage" WIDTH="66" HPOS="1037" VPOS="851" ID="st21-506"/><String HEIGHT="18" CONTENT="?" WIDTH="11" HPOS="1103" VPOS="851" ID="st21-507"/><SP/><String HEIGHT="18" CONTENT="Some" WIDTH="46" HPOS="1120" VPOS="851" ID="st21-508"/><SP/><String HEIGHT="18" CONTENT="companies" WIDTH="88" HPOS="1172" VPOS="851" ID="st21-509"/><SP/><String HEIGHT="18" CONTENT="are" WIDTH="26" HPOS="1265" VPOS="851" ID="st21-510"/><SP/><String HEIGHT="18" CONTENT="simply" WIDTH="52" HPOS="1296" VPOS="851" ID="st21-511"/><SP/><String HEIGHT="18" CONTENT="too" WIDTH="28" HPOS="1354" VPOS="851" ID="st21-512"/><SP/><String HEIGHT="18" CONTENT="complex" WIDTH="69" HPOS="1387" VPOS="851" ID="st21-513"/></TextLine><TextLine HPOS="472" VPOS="874" ID="tl21-23" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="472" VPOS="874" ID="st21-514"/><SP/><String HEIGHT="18" CONTENT="be" WIDTH="21" HPOS="495" VPOS="874" ID="st21-515"/><SP/><String HEIGHT="18" CONTENT="run" WIDTH="28" HPOS="522" VPOS="874" ID="st21-516"/><SP/><String HEIGHT="18" CONTENT="effectively" WIDTH="79" HPOS="556" VPOS="874" ID="st21-517"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="635" VPOS="874" ID="st21-518"/><SP/><String HEIGHT="18" CONTENT="Here" WIDTH="32" HPOS="649" VPOS="874" ID="st21-519"/><String HEIGHT="18" CONTENT="’" WIDTH="8" HPOS="681" VPOS="874" ID="st21-520"/><String HEIGHT="18" CONTENT="s" WIDTH="9" HPOS="689" VPOS="874" ID="st21-521"/><SP/><String HEIGHT="18" CONTENT="how" WIDTH="37" HPOS="704" VPOS="874" ID="st21-522"/><SP/><String HEIGHT="18" CONTENT="executives" WIDTH="84" HPOS="747" VPOS="874" ID="st21-523"/><SP/><String HEIGHT="18" CONTENT="can" WIDTH="29" HPOS="837" VPOS="874" ID="st21-524"/><SP/><String HEIGHT="18" CONTENT="get" WIDTH="27" HPOS="873" VPOS="874" ID="st21-525"/><SP/><String HEIGHT="18" CONTENT="that" WIDTH="33" HPOS="906" VPOS="874" ID="st21-526"/><SP/><String HEIGHT="18" CONTENT="complexity" WIDTH="89" HPOS="945" VPOS="874" ID="st21-527"/><SP/><String HEIGHT="18" CONTENT="under" WIDTH="49" HPOS="1040" VPOS="874" ID="st21-528"/><SP/><String HEIGHT="18" CONTENT="control" WIDTH="57" HPOS="1095" VPOS="874" ID="st21-529"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1152" VPOS="874" ID="st21-530"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1160" VPOS="874" ID="st21-531"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="1175" VPOS="874" ID="st21-532"/><SP/><String HEIGHT="18" CONTENT="Wall" WIDTH="37" HPOS="1211" VPOS="874" ID="st21-533"/><SP/><String HEIGHT="18" CONTENT="Street" WIDTH="48" HPOS="1254" VPOS="874" ID="st21-534"/><SP/><String HEIGHT="18" CONTENT="Journal" WIDTH="56" HPOS="1309" VPOS="874" ID="st21-535"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1365" VPOS="874" ID="st21-536"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="1380" VPOS="874" ID="st21-537"/></TextLine><TextLine HPOS="472" VPOS="897" ID="tl21-24" WIDTH="740" HEIGHT="19"><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="472" VPOS="897" ID="st21-538"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="486" VPOS="897" ID="st21-539"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="48" HPOS="499" VPOS="897" ID="st21-540"/><String HEIGHT="19" CONTENT=":" WIDTH="10" HPOS="547" VPOS="897" ID="st21-541"/><String HEIGHT="19" CONTENT="//www" WIDTH="49" HPOS="557" VPOS="897" ID="st21-542"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="606" VPOS="897" ID="st21-543"/><String HEIGHT="19" CONTENT="wsj" WIDTH="29" HPOS="616" VPOS="897" ID="st21-544"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="645" VPOS="897" ID="st21-545"/><String HEIGHT="19" CONTENT="com/articles/SB10001424052970203585004574392673999432000" WIDTH="547" HPOS="655" VPOS="897" ID="st21-546"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1202" VPOS="897" ID="st21-547"/></TextLine><TextLine HPOS="472" VPOS="932" ID="tl21-25" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Black" WIDTH="44" HPOS="472" VPOS="932" ID="st21-548"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="516" VPOS="932" ID="st21-549"/><SP/><String HEIGHT="19" CONTENT="W" WIDTH="11" HPOS="534" VPOS="932" ID="st21-550"/><String HEIGHT="19" CONTENT="." WIDTH="12" HPOS="545" VPOS="932" ID="st21-551"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="566" VPOS="932" ID="st21-552"/><String HEIGHT="19" CONTENT="20" WIDTH="18" HPOS="575" VPOS="932" ID="st21-553"/><SP/><String HEIGHT="19" CONTENT="June" WIDTH="38" HPOS="602" VPOS="932" ID="st21-554"/><SP/><String HEIGHT="19" CONTENT="2012" WIDTH="36" HPOS="649" VPOS="932" ID="st21-555"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="685" VPOS="932" ID="st21-556"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="694" VPOS="932" ID="st21-557"/><String HEIGHT="19" CONTENT="»" WIDTH="11" HPOS="712" VPOS="932" ID="st21-558"/><String HEIGHT="19" CONTENT="Dimon" WIDTH="55" HPOS="723" VPOS="932" ID="st21-559"/><SP/><String HEIGHT="19" CONTENT="Lambastes" WIDTH="87" HPOS="786" VPOS="932" ID="st21-560"/><SP/><String HEIGHT="19" CONTENT="Loans" WIDTH="48" HPOS="882" VPOS="932" ID="st21-561"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="938" VPOS="932" ID="st21-562"/><SP/><String HEIGHT="19" CONTENT="Expresses" WIDTH="78" HPOS="978" VPOS="932" ID="st21-563"/><SP/><String HEIGHT="19" CONTENT="His" WIDTH="25" HPOS="1065" VPOS="932" ID="st21-564"/><SP/><String HEIGHT="19" CONTENT="Devotion" WIDTH="74" HPOS="1099" VPOS="932" ID="st21-565"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="1182" VPOS="932" ID="st21-566"/><SP/><String HEIGHT="19" CONTENT="Derivatives" WIDTH="88" HPOS="1208" VPOS="932" ID="st21-567"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1296" VPOS="932" ID="st21-568"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="1304" VPOS="932" ID="st21-569"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="72" HPOS="1322" VPOS="932" ID="st21-570"/><SP/><String HEIGHT="19" CONTENT="Sense" WIDTH="45" HPOS="1402" VPOS="932" ID="st21-571"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1447" VPOS="932" ID="st21-572"/></TextLine><TextLine HPOS="472" VPOS="956" ID="tl21-26" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Applying" WIDTH="73" HPOS="472" VPOS="956" ID="st21-573"/><SP/><String HEIGHT="18" CONTENT="Common" WIDTH="77" HPOS="553" VPOS="956" ID="st21-574"/><SP/><String HEIGHT="18" CONTENT="Sense" WIDTH="48" HPOS="637" VPOS="956" ID="st21-575"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="692" VPOS="956" ID="st21-576"/><SP/><String HEIGHT="18" CONTENT="Markets" WIDTH="63" HPOS="717" VPOS="956" ID="st21-577"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="780" VPOS="956" ID="st21-578"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="796" VPOS="956" ID="st21-579"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="880" VPOS="956" ID="st21-580"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="894" VPOS="956" ID="st21-581"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="42" HPOS="908" VPOS="956" ID="st21-582"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="950" VPOS="956" ID="st21-583"/><String HEIGHT="18" CONTENT="//www" WIDTH="43" HPOS="959" VPOS="956" ID="st21-584"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1002" VPOS="956" ID="st21-585"/><String HEIGHT="18" CONTENT="financialsense" WIDTH="120" HPOS="1010" VPOS="956" ID="st21-586"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1130" VPOS="956" ID="st21-587"/><String HEIGHT="18" CONTENT="com/contributors/william" WIDTH="205" HPOS="1139" VPOS="956" ID="st21-588"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1344" VPOS="956" ID="st21-589"/><String HEIGHT="18" CONTENT="black/dimon" WIDTH="95" HPOS="1353" VPOS="956" ID="st21-590" SUBS_TYPE="HypPart1" SUBS_CONTENT="black/dimonlambastes"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="956" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="979" ID="tl21-27" WIDTH="484" HEIGHT="18"><String HEIGHT="18" CONTENT="lambastes" WIDTH="75" HPOS="472" VPOS="979" ID="st21-591" SUBS_TYPE="HypPart2" SUBS_CONTENT="black/dimonlambastes"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="547" VPOS="979" ID="st21-592"/><String HEIGHT="18" CONTENT="loans" WIDTH="42" HPOS="555" VPOS="979" ID="st21-593"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="597" VPOS="979" ID="st21-594"/><String HEIGHT="18" CONTENT="and" WIDTH="25" HPOS="605" VPOS="979" ID="st21-595"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="630" VPOS="979" ID="st21-596"/><String HEIGHT="18" CONTENT="expresses" WIDTH="76" HPOS="638" VPOS="979" ID="st21-597"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="714" VPOS="979" ID="st21-598"/><String HEIGHT="18" CONTENT="his" WIDTH="25" HPOS="722" VPOS="979" ID="st21-599"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="747" VPOS="979" ID="st21-600"/><String HEIGHT="18" CONTENT="devotion" WIDTH="67" HPOS="755" VPOS="979" ID="st21-601"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="822" VPOS="979" ID="st21-602"/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="830" VPOS="979" ID="st21-603"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="847" VPOS="979" ID="st21-604"/><String HEIGHT="18" CONTENT="derivatives" WIDTH="92" HPOS="855" VPOS="979" ID="st21-605"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="947" VPOS="979" ID="st21-606"/></TextLine><TextLine HPOS="472" VPOS="1014" ID="tl21-28" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Blanchard" WIDTH="86" HPOS="472" VPOS="1014" ID="st21-607"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="558" VPOS="1014" ID="st21-608"/><SP/><String HEIGHT="19" CONTENT="O" WIDTH="8" HPOS="573" VPOS="1014" ID="st21-609"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="581" VPOS="1014" ID="st21-610"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="590" VPOS="1014" ID="st21-611"/><SP/><String HEIGHT="19" CONTENT="Jaumotte" WIDTH="80" HPOS="603" VPOS="1014" ID="st21-612"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="683" VPOS="1014" ID="st21-613"/><SP/><String HEIGHT="19" CONTENT="F" WIDTH="6" HPOS="699" VPOS="1014" ID="st21-614"/><String HEIGHT="19" CONTENT="." WIDTH="6" HPOS="705" VPOS="1014" ID="st21-615"/><String HEIGHT="19" CONTENT="," WIDTH="6" HPOS="711" VPOS="1014" ID="st21-616"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="722" VPOS="1014" ID="st21-617"/><SP/><String HEIGHT="19" CONTENT="Loungani" WIDTH="80" HPOS="761" VPOS="1014" ID="st21-618"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="841" VPOS="1014" ID="st21-619"/><SP/><String HEIGHT="19" CONTENT="P" WIDTH="6" HPOS="857" VPOS="1014" ID="st21-620"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="863" VPOS="1014" ID="st21-621"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="875" VPOS="1014" ID="st21-622"/><String HEIGHT="19" CONTENT="2013" WIDTH="34" HPOS="883" VPOS="1014" ID="st21-623"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="917" VPOS="1014" ID="st21-624"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="925" VPOS="1014" ID="st21-625"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="939" VPOS="1014" ID="st21-626"/><String HEIGHT="19" CONTENT="Labor" WIDTH="48" HPOS="948" VPOS="1014" ID="st21-627"/><SP/><String HEIGHT="19" CONTENT="Market" WIDTH="59" HPOS="1001" VPOS="1014" ID="st21-628"/><SP/><String HEIGHT="19" CONTENT="Policies" WIDTH="60" HPOS="1065" VPOS="1014" ID="st21-629"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1130" VPOS="1014" ID="st21-630"/><SP/><String HEIGHT="19" CONTENT="IMF" WIDTH="30" HPOS="1166" VPOS="1014" ID="st21-631"/><SP/><String HEIGHT="19" CONTENT="Advice" WIDTH="55" HPOS="1201" VPOS="1014" ID="st21-632"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="1261" VPOS="1014" ID="st21-633"/><SP/><String HEIGHT="19" CONTENT="Advanced" WIDTH="82" HPOS="1281" VPOS="1014" ID="st21-634"/><SP/><String HEIGHT="19" CONTENT="Economies" WIDTH="88" HPOS="1368" VPOS="1014" ID="st21-635"/></TextLine><TextLine HPOS="472" VPOS="1038" ID="tl21-29" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="during" WIDTH="54" HPOS="472" VPOS="1038" ID="st21-636"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="532" VPOS="1038" ID="st21-637"/><SP/><String HEIGHT="18" CONTENT="Great" WIDTH="46" HPOS="566" VPOS="1038" ID="st21-638"/><SP/><String HEIGHT="18" CONTENT="Recession" WIDTH="78" HPOS="618" VPOS="1038" ID="st21-639"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="696" VPOS="1038" ID="st21-640"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="705" VPOS="1038" ID="st21-641"/><SP/><String HEIGHT="18" CONTENT="IMF" WIDTH="30" HPOS="721" VPOS="1038" ID="st21-642"/><SP/><String HEIGHT="18" CONTENT="Staff" WIDTH="39" HPOS="757" VPOS="1038" ID="st21-643"/><SP/><String HEIGHT="18" CONTENT="Discussion" WIDTH="85" HPOS="802" VPOS="1038" ID="st21-644"/><SP/><String HEIGHT="18" CONTENT="Note" WIDTH="36" HPOS="894" VPOS="1038" ID="st21-645"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="930" VPOS="1038" ID="st21-646"/><SP/><String HEIGHT="18" CONTENT="Research" WIDTH="74" HPOS="945" VPOS="1038" ID="st21-647"/><SP/><String HEIGHT="18" CONTENT="Department" WIDTH="95" HPOS="1025" VPOS="1038" ID="st21-648"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1120" VPOS="1038" ID="st21-649"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1136" VPOS="1038" ID="st21-650"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1219" VPOS="1038" ID="st21-651"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1233" VPOS="1038" ID="st21-652"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="32" HPOS="1247" VPOS="1038" ID="st21-653"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1279" VPOS="1038" ID="st21-654"/><String HEIGHT="18" CONTENT="//conference" WIDTH="96" HPOS="1287" VPOS="1038" ID="st21-655"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1383" VPOS="1038" ID="st21-656"/><String HEIGHT="18" CONTENT="iza" WIDTH="24" HPOS="1391" VPOS="1038" ID="st21-657"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1415" VPOS="1038" ID="st21-658"/><String HEIGHT="18" CONTENT="org" WIDTH="24" HPOS="1423" VPOS="1038" ID="st21-659"/><String HEIGHT="18" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="1038" ID="st21-660"/></TextLine><TextLine HPOS="472" VPOS="1061" ID="tl21-30" WIDTH="422" HEIGHT="18"><String HEIGHT="18" CONTENT="conference" WIDTH="91" HPOS="472" VPOS="1061" ID="st21-661"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="563" VPOS="1061" ID="st21-662"/><String HEIGHT="18" CONTENT="files/LMRGR2013/jaumotte" WIDTH="221" HPOS="572" VPOS="1061" ID="st21-663"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="793" VPOS="1061" ID="st21-664"/><String HEIGHT="18" CONTENT="f9227" WIDTH="46" HPOS="802" VPOS="1061" ID="st21-665"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="848" VPOS="1061" ID="st21-666"/><String HEIGHT="18" CONTENT="pdf" WIDTH="27" HPOS="857" VPOS="1061" ID="st21-667"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="884" VPOS="1061" ID="st21-668"/></TextLine><TextLine HPOS="472" VPOS="1096" ID="tl21-31" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Broughton" WIDTH="92" HPOS="472" VPOS="1096" ID="st21-669"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="564" VPOS="1096" ID="st21-670"/><SP/><String HEIGHT="18" CONTENT="K" WIDTH="9" HPOS="582" VPOS="1096" ID="st21-671"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="591" VPOS="1096" ID="st21-672"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="607" VPOS="1096" ID="st21-673"/><String HEIGHT="18" CONTENT="18" WIDTH="18" HPOS="616" VPOS="1096" ID="st21-674"/><SP/><String HEIGHT="18" CONTENT="June" WIDTH="38" HPOS="641" VPOS="1096" ID="st21-675"/><SP/><String HEIGHT="18" CONTENT="2018" WIDTH="36" HPOS="686" VPOS="1096" ID="st21-676"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="722" VPOS="1096" ID="st21-677"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="731" VPOS="1096" ID="st21-678"/><String HEIGHT="18" CONTENT="»" WIDTH="12" HPOS="747" VPOS="1096" ID="st21-679"/><String HEIGHT="18" CONTENT="Why" WIDTH="36" HPOS="759" VPOS="1096" ID="st21-680"/><SP/><String HEIGHT="18" CONTENT="banks" WIDTH="45" HPOS="802" VPOS="1096" ID="st21-681"/><String HEIGHT="18" CONTENT="’" WIDTH="9" HPOS="847" VPOS="1096" ID="st21-682"/><SP/><String HEIGHT="18" CONTENT="biggest" WIDTH="61" HPOS="863" VPOS="1096" ID="st21-683"/><SP/><String HEIGHT="18" CONTENT="risk" WIDTH="29" HPOS="930" VPOS="1096" ID="st21-684"/><SP/><String HEIGHT="18" CONTENT="factor" WIDTH="49" HPOS="965" VPOS="1096" ID="st21-685"/><SP/><String HEIGHT="18" CONTENT="may" WIDTH="34" HPOS="1021" VPOS="1096" ID="st21-686"/><SP/><String HEIGHT="18" CONTENT="be" WIDTH="21" HPOS="1062" VPOS="1096" ID="st21-687"/><SP/><String HEIGHT="18" CONTENT="employees" WIDTH="87" HPOS="1090" VPOS="1096" ID="st21-688"/><SP/><String HEIGHT="18" CONTENT="who" WIDTH="37" HPOS="1184" VPOS="1096" ID="st21-689"/><SP/><String HEIGHT="18" CONTENT="don" WIDTH="26" HPOS="1228" VPOS="1096" ID="st21-690"/><String HEIGHT="18" CONTENT="’" WIDTH="9" HPOS="1254" VPOS="1096" ID="st21-691"/><String HEIGHT="18" CONTENT="t" WIDTH="9" HPOS="1263" VPOS="1096" ID="st21-692"/><SP/><String HEIGHT="18" CONTENT="speak" WIDTH="48" HPOS="1278" VPOS="1096" ID="st21-693"/><SP/><String HEIGHT="18" CONTENT="up" WIDTH="19" HPOS="1333" VPOS="1096" ID="st21-694"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1352" VPOS="1096" ID="st21-695"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1361" VPOS="1096" ID="st21-696"/><SP/><String HEIGHT="18" CONTENT="American" WIDTH="79" HPOS="1377" VPOS="1096" ID="st21-697"/></TextLine><TextLine HPOS="472" VPOS="1119" ID="tl21-32" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Banker" WIDTH="52" HPOS="472" VPOS="1119" ID="st21-698"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="524" VPOS="1119" ID="st21-699"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="78" HPOS="542" VPOS="1119" ID="st21-700"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="629" VPOS="1119" ID="st21-701"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="643" VPOS="1119" ID="st21-702"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="45" HPOS="660" VPOS="1119" ID="st21-703"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="705" VPOS="1119" ID="st21-704"/><String HEIGHT="19" CONTENT="//www" WIDTH="46" HPOS="714" VPOS="1119" ID="st21-705"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="760" VPOS="1119" ID="st21-706"/><String HEIGHT="19" CONTENT="americanbanker" WIDTH="128" HPOS="769" VPOS="1119" ID="st21-707"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="897" VPOS="1119" ID="st21-708"/><String HEIGHT="19" CONTENT="com/news/why" WIDTH="109" HPOS="907" VPOS="1119" ID="st21-709"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1016" VPOS="1119" ID="st21-710"/><String HEIGHT="19" CONTENT="banks" WIDTH="46" HPOS="1025" VPOS="1119" ID="st21-711"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1071" VPOS="1119" ID="st21-712"/><String HEIGHT="19" CONTENT="biggest" WIDTH="64" HPOS="1080" VPOS="1119" ID="st21-713"/><String HEIGHT="19" CONTENT="-" WIDTH="10" HPOS="1144" VPOS="1119" ID="st21-714"/><String HEIGHT="19" CONTENT="risk" WIDTH="36" HPOS="1154" VPOS="1119" ID="st21-715"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1190" VPOS="1119" ID="st21-716"/><String HEIGHT="19" CONTENT="factor" WIDTH="55" HPOS="1199" VPOS="1119" ID="st21-717"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1254" VPOS="1119" ID="st21-718"/><String HEIGHT="19" CONTENT="may" WIDTH="28" HPOS="1263" VPOS="1119" ID="st21-719"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1291" VPOS="1119" ID="st21-720"/><String HEIGHT="19" CONTENT="be" WIDTH="18" HPOS="1300" VPOS="1119" ID="st21-721"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1318" VPOS="1119" ID="st21-722"/><String HEIGHT="19" CONTENT="employees" WIDTH="83" HPOS="1327" VPOS="1119" ID="st21-723"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1410" VPOS="1119" ID="st21-724"/><String HEIGHT="19" CONTENT="who" WIDTH="28" HPOS="1419" VPOS="1119" ID="st21-725" SUBS_TYPE="HypPart1" SUBS_CONTENT="whodont"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1119" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="1143" ID="tl21-33" WIDTH="126" HEIGHT="18"><String HEIGHT="18" CONTENT="dont" WIDTH="36" HPOS="472" VPOS="1143" ID="st21-726" SUBS_TYPE="HypPart2" SUBS_CONTENT="whodont"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="508" VPOS="1143" ID="st21-727"/><String HEIGHT="18" CONTENT="speak" WIDTH="45" HPOS="517" VPOS="1143" ID="st21-728"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="562" VPOS="1143" ID="st21-729"/><String HEIGHT="18" CONTENT="up" WIDTH="18" HPOS="571" VPOS="1143" ID="st21-730"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="589" VPOS="1143" ID="st21-731"/></TextLine><TextLine HPOS="472" VPOS="1178" ID="tl21-34" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Cazes" WIDTH="47" HPOS="472" VPOS="1178" ID="st21-732"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="519" VPOS="1178" ID="st21-733"/><SP/><String HEIGHT="18" CONTENT="S" WIDTH="7" HPOS="537" VPOS="1178" ID="st21-734"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="544" VPOS="1178" ID="st21-735"/><String HEIGHT="18" CONTENT="," WIDTH="7" HPOS="551" VPOS="1178" ID="st21-736"/><SP/><String HEIGHT="18" CONTENT="Hijzen" WIDTH="53" HPOS="566" VPOS="1178" ID="st21-737"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="619" VPOS="1178" ID="st21-738"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="8" HPOS="636" VPOS="1178" ID="st21-739"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="644" VPOS="1178" ID="st21-740"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="652" VPOS="1178" ID="st21-741"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="34" HPOS="668" VPOS="1178" ID="st21-742"/><SP/><String HEIGHT="18" CONTENT="Saint" WIDTH="46" HPOS="710" VPOS="1178" ID="st21-743"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="756" VPOS="1178" ID="st21-744"/><String HEIGHT="18" CONTENT="Martin" WIDTH="55" HPOS="765" VPOS="1178" ID="st21-745"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="820" VPOS="1178" ID="st21-746"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="9" HPOS="837" VPOS="1178" ID="st21-747"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="846" VPOS="1178" ID="st21-748"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="864" VPOS="1178" ID="st21-749"/><String HEIGHT="18" CONTENT="2015" WIDTH="34" HPOS="872" VPOS="1178" ID="st21-750"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="906" VPOS="1178" ID="st21-751"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="914" VPOS="1178" ID="st21-752"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="931" VPOS="1178" ID="st21-753"/><String HEIGHT="18" CONTENT="Measuring" WIDTH="89" HPOS="940" VPOS="1178" ID="st21-754"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="1036" VPOS="1178" ID="st21-755"/><SP/><String HEIGHT="18" CONTENT="Assessing" WIDTH="79" HPOS="1075" VPOS="1178" ID="st21-756"/><SP/><String HEIGHT="18" CONTENT="Job" WIDTH="28" HPOS="1161" VPOS="1178" ID="st21-757"/><SP/><String HEIGHT="18" CONTENT="Quality" WIDTH="55" HPOS="1197" VPOS="1178" ID="st21-758"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1252" VPOS="1178" ID="st21-759"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="1268" VPOS="1178" ID="st21-760"/><SP/><String HEIGHT="18" CONTENT="OECD" WIDTH="50" HPOS="1305" VPOS="1178" ID="st21-761"/><SP/><String HEIGHT="18" CONTENT="Job" WIDTH="28" HPOS="1362" VPOS="1178" ID="st21-762"/><SP/><String HEIGHT="18" CONTENT="Quality" WIDTH="58" HPOS="1398" VPOS="1178" ID="st21-763"/></TextLine><TextLine HPOS="472" VPOS="1201" ID="tl21-35" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Framework" WIDTH="89" HPOS="472" VPOS="1201" ID="st21-764"/><String HEIGHT="19" CONTENT="«" WIDTH="10" HPOS="561" VPOS="1201" ID="st21-765"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="571" VPOS="1201" ID="st21-766"/><SP/><String HEIGHT="19" CONTENT="OECD" WIDTH="49" HPOS="587" VPOS="1201" ID="st21-767"/><SP/><String HEIGHT="19" CONTENT="Social" WIDTH="45" HPOS="642" VPOS="1201" ID="st21-768"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="687" VPOS="1201" ID="st21-769"/><SP/><String HEIGHT="19" CONTENT="Employment" WIDTH="104" HPOS="700" VPOS="1201" ID="st21-770"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="810" VPOS="1201" ID="st21-771"/><SP/><String HEIGHT="19" CONTENT="Migration" WIDTH="81" HPOS="847" VPOS="1201" ID="st21-772"/><SP/><String HEIGHT="19" CONTENT="Working" WIDTH="71" HPOS="933" VPOS="1201" ID="st21-773"/><SP/><String HEIGHT="19" CONTENT="Papers" WIDTH="50" HPOS="1010" VPOS="1201" ID="st21-774"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1060" VPOS="1201" ID="st21-775"/><SP/><String HEIGHT="19" CONTENT="No" WIDTH="19" HPOS="1075" VPOS="1201" ID="st21-776"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1094" VPOS="1201" ID="st21-777"/><SP/><String HEIGHT="19" CONTENT="174" WIDTH="27" HPOS="1110" VPOS="1201" ID="st21-778"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="1137" VPOS="1201" ID="st21-779"/><SP/><String HEIGHT="19" CONTENT="OECD" WIDTH="50" HPOS="1153" VPOS="1201" ID="st21-780"/><SP/><String HEIGHT="19" CONTENT="Publishing" WIDTH="81" HPOS="1208" VPOS="1201" ID="st21-781"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1289" VPOS="1201" ID="st21-782"/><SP/><String HEIGHT="19" CONTENT="Paris" WIDTH="35" HPOS="1304" VPOS="1201" ID="st21-783"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1339" VPOS="1201" ID="st21-784"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="1352" VPOS="1201" ID="st21-785"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1435" VPOS="1201" ID="st21-786"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="1449" VPOS="1201" ID="st21-787"/></TextLine><TextLine HPOS="472" VPOS="1224" ID="tl21-36" WIDTH="985" HEIGHT="19"><String HEIGHT="19" CONTENT="https" WIDTH="46" HPOS="472" VPOS="1224" ID="st21-788"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="518" VPOS="1224" ID="st21-789"/><String HEIGHT="19" CONTENT="//www" WIDTH="46" HPOS="527" VPOS="1224" ID="st21-790"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="573" VPOS="1224" ID="st21-791"/><String HEIGHT="19" CONTENT="oecd" WIDTH="37" HPOS="582" VPOS="1224" ID="st21-792"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="619" VPOS="1224" ID="st21-793"/><String HEIGHT="19" CONTENT="ilibrary" WIDTH="74" HPOS="628" VPOS="1224" ID="st21-794"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="702" VPOS="1224" ID="st21-795"/><String HEIGHT="19" CONTENT="org/docserver/5jrp02kjw1mr" WIDTH="239" HPOS="711" VPOS="1224" ID="st21-796"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="950" VPOS="1224" ID="st21-797"/><String HEIGHT="19" CONTENT="en" WIDTH="19" HPOS="959" VPOS="1224" ID="st21-798"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="978" VPOS="1224" ID="st21-799"/><String HEIGHT="19" CONTENT="pdf" WIDTH="28" HPOS="987" VPOS="1224" ID="st21-800"/><String HEIGHT="19" CONTENT="?" WIDTH="9" HPOS="1015" VPOS="1224" ID="st21-801"/><String HEIGHT="19" CONTENT="expires" WIDTH="64" HPOS="1024" VPOS="1224" ID="st21-802"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="1088" VPOS="1224" ID="st21-803"/><String HEIGHT="19" CONTENT="1531195741" WIDTH="93" HPOS="1097" VPOS="1224" ID="st21-804"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="9" HPOS="1190" VPOS="1224" ID="st21-805"/><String HEIGHT="19" CONTENT="id" WIDTH="18" HPOS="1199" VPOS="1224" ID="st21-806"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="1217" VPOS="1224" ID="st21-807"/><String HEIGHT="19" CONTENT="id" WIDTH="19" HPOS="1226" VPOS="1224" ID="st21-808"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="9" HPOS="1245" VPOS="1224" ID="st21-809"/><String HEIGHT="19" CONTENT="accname" WIDTH="64" HPOS="1254" VPOS="1224" ID="st21-810"/><String HEIGHT="19" CONTENT="=" WIDTH="10" HPOS="1318" VPOS="1224" ID="st21-811"/><String HEIGHT="19" CONTENT="guest" WIDTH="46" HPOS="1328" VPOS="1224" ID="st21-812"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="9" HPOS="1374" VPOS="1224" ID="st21-813"/><String HEIGHT="19" CONTENT="checksum" WIDTH="74" HPOS="1383" VPOS="1224" ID="st21-814"/></TextLine><TextLine HPOS="472" VPOS="1248" ID="tl21-37" WIDTH="364" HEIGHT="18"><String HEIGHT="18" CONTENT="=" WIDTH="10" HPOS="472" VPOS="1248" ID="st21-815"/><String HEIGHT="18" CONTENT="7F3F3DDB2CEECF1786579144D884E534" WIDTH="343" HPOS="482" VPOS="1248" ID="st21-816"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="825" VPOS="1248" ID="st21-817"/></TextLine><TextLine HPOS="472" VPOS="1283" ID="tl21-38" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Christman" WIDTH="88" HPOS="472" VPOS="1283" ID="st21-818"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="560" VPOS="1283" ID="st21-819"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="9" HPOS="576" VPOS="1283" ID="st21-820"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="585" VPOS="1283" ID="st21-821"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="601" VPOS="1283" ID="st21-822"/><String HEIGHT="18" CONTENT="2018" WIDTH="34" HPOS="609" VPOS="1283" ID="st21-823"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="643" VPOS="1283" ID="st21-824"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="651" VPOS="1283" ID="st21-825"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="665" VPOS="1283" ID="st21-826"/><String HEIGHT="18" CONTENT="Cashing" WIDTH="69" HPOS="674" VPOS="1283" ID="st21-827"/><SP/><String HEIGHT="18" CONTENT="Out" WIDTH="27" HPOS="749" VPOS="1283" ID="st21-828"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="776" VPOS="1283" ID="st21-829"/><SP/><String HEIGHT="18" CONTENT="How" WIDTH="39" HPOS="791" VPOS="1283" ID="st21-830"/><SP/><String HEIGHT="18" CONTENT="Bank" WIDTH="41" HPOS="835" VPOS="1283" ID="st21-831"/><SP/><String HEIGHT="18" CONTENT="Workers" WIDTH="68" HPOS="882" VPOS="1283" ID="st21-832"/><SP/><String HEIGHT="18" CONTENT="Are" WIDTH="29" HPOS="956" VPOS="1283" ID="st21-833"/><SP/><String HEIGHT="18" CONTENT="Faring" WIDTH="51" HPOS="990" VPOS="1283" ID="st21-834"/><SP/><String HEIGHT="18" CONTENT="Almost" WIDTH="58" HPOS="1046" VPOS="1283" ID="st21-835"/><SP/><String HEIGHT="18" CONTENT="Two" WIDTH="34" HPOS="1110" VPOS="1283" ID="st21-836"/><SP/><String HEIGHT="18" CONTENT="Years" WIDTH="44" HPOS="1149" VPOS="1283" ID="st21-837"/><SP/><String HEIGHT="18" CONTENT="After" WIDTH="42" HPOS="1198" VPOS="1283" ID="st21-838"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1245" VPOS="1283" ID="st21-839"/><SP/><String HEIGHT="18" CONTENT="Sales" WIDTH="41" HPOS="1278" VPOS="1283" ID="st21-840"/><SP/><String HEIGHT="18" CONTENT="Goals" WIDTH="47" HPOS="1324" VPOS="1283" ID="st21-841"/><SP/><String HEIGHT="18" CONTENT="Scandal" WIDTH="62" HPOS="1376" VPOS="1283" ID="st21-842"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1438" VPOS="1283" ID="st21-843"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1447" VPOS="1283" ID="st21-844"/></TextLine><TextLine HPOS="472" VPOS="1306" ID="tl21-39" WIDTH="764" HEIGHT="19"><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="1306" ID="st21-845"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="554" VPOS="1306" ID="st21-846"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="568" VPOS="1306" ID="st21-847"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="44" HPOS="581" VPOS="1306" ID="st21-848"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="625" VPOS="1306" ID="st21-849"/><String HEIGHT="19" CONTENT="//betterbanks" WIDTH="115" HPOS="634" VPOS="1306" ID="st21-850"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="749" VPOS="1306" ID="st21-851"/><String HEIGHT="19" CONTENT="org/wp" WIDTH="53" HPOS="758" VPOS="1306" ID="st21-852"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="811" VPOS="1306" ID="st21-853"/><String HEIGHT="19" CONTENT="content/uploads/2018/06/Cashing" WIDTH="275" HPOS="819" VPOS="1306" ID="st21-854"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1094" VPOS="1306" ID="st21-855"/><String HEIGHT="19" CONTENT="Out" WIDTH="26" HPOS="1103" VPOS="1306" ID="st21-856"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1129" VPOS="1306" ID="st21-857"/><String HEIGHT="19" CONTENT="Report" WIDTH="53" HPOS="1138" VPOS="1306" ID="st21-858"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1191" VPOS="1306" ID="st21-859"/><String HEIGHT="19" CONTENT="pdf" WIDTH="27" HPOS="1200" VPOS="1306" ID="st21-860"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1227" VPOS="1306" ID="st21-861"/></TextLine><TextLine HPOS="472" VPOS="1341" ID="tl21-40" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Consumer" WIDTH="92" HPOS="472" VPOS="1341" ID="st21-862"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="80" HPOS="572" VPOS="1341" ID="st21-863"/><SP/><String HEIGHT="19" CONTENT="Protection" WIDTH="93" HPOS="660" VPOS="1341" ID="st21-864"/><SP/><String HEIGHT="19" CONTENT="Bureau" WIDTH="60" HPOS="761" VPOS="1341" ID="st21-865"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="821" VPOS="1341" ID="st21-866"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="839" VPOS="1341" ID="st21-867"/><String HEIGHT="19" CONTENT="8" WIDTH="8" HPOS="847" VPOS="1341" ID="st21-868"/><SP/><String HEIGHT="19" CONTENT="September" WIDTH="90" HPOS="863" VPOS="1341" ID="st21-869"/><SP/><String HEIGHT="19" CONTENT="2016" WIDTH="36" HPOS="960" VPOS="1341" ID="st21-870"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="996" VPOS="1341" ID="st21-871"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1005" VPOS="1341" ID="st21-872"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="1022" VPOS="1341" ID="st21-873"/><String HEIGHT="19" CONTENT="Consumer" WIDTH="87" HPOS="1032" VPOS="1341" ID="st21-874"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="72" HPOS="1126" VPOS="1341" ID="st21-875"/><SP/><String HEIGHT="19" CONTENT="Protection" WIDTH="84" HPOS="1206" VPOS="1341" ID="st21-876"/><SP/><String HEIGHT="19" CONTENT="Bureau" WIDTH="58" HPOS="1297" VPOS="1341" ID="st21-877"/><SP/><String HEIGHT="19" CONTENT="Fines" WIDTH="41" HPOS="1363" VPOS="1341" ID="st21-878"/><SP/><String HEIGHT="19" CONTENT="Wells" WIDTH="44" HPOS="1412" VPOS="1341" ID="st21-879"/></TextLine><TextLine HPOS="472" VPOS="1365" ID="tl21-41" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Fargo" WIDTH="46" HPOS="472" VPOS="1365" ID="st21-880"/><String HEIGHT="18" CONTENT="$" WIDTH="10" HPOS="525" VPOS="1365" ID="st21-881"/><String HEIGHT="18" CONTENT="100" WIDTH="33" HPOS="535" VPOS="1365" ID="st21-882"/><SP/><String HEIGHT="18" CONTENT="Million" WIDTH="56" HPOS="575" VPOS="1365" ID="st21-883"/><SP/><String HEIGHT="18" CONTENT="for" WIDTH="24" HPOS="637" VPOS="1365" ID="st21-884"/><SP/><String HEIGHT="18" CONTENT="Widespread" WIDTH="98" HPOS="668" VPOS="1365" ID="st21-885"/><SP/><String HEIGHT="18" CONTENT="Illegal" WIDTH="47" HPOS="773" VPOS="1365" ID="st21-886"/><SP/><String HEIGHT="18" CONTENT="Practice" WIDTH="63" HPOS="827" VPOS="1365" ID="st21-887"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="897" VPOS="1365" ID="st21-888"/><SP/><String HEIGHT="18" CONTENT="Secretly" WIDTH="63" HPOS="921" VPOS="1365" ID="st21-889"/><SP/><String HEIGHT="18" CONTENT="Opening" WIDTH="72" HPOS="990" VPOS="1365" ID="st21-890"/><SP/><String HEIGHT="18" CONTENT="Unauthorized" WIDTH="113" HPOS="1068" VPOS="1365" ID="st21-891"/><SP/><String HEIGHT="18" CONTENT="Accounts" WIDTH="74" HPOS="1187" VPOS="1365" ID="st21-892"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1261" VPOS="1365" ID="st21-893"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1270" VPOS="1365" ID="st21-894"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="1287" VPOS="1365" ID="st21-895"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1370" VPOS="1365" ID="st21-896"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1384" VPOS="1365" ID="st21-897"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="36" HPOS="1398" VPOS="1365" ID="st21-898"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1434" VPOS="1365" ID="st21-899"/><String HEIGHT="18" CONTENT="/" WIDTH="7" HPOS="1441" VPOS="1365" ID="st21-900"/><String HEIGHT="18" CONTENT="/" WIDTH="8" HPOS="1448" VPOS="1365" ID="st21-901"/></TextLine><TextLine HPOS="472" VPOS="1388" ID="tl21-42" WIDTH="966" HEIGHT="19"><String HEIGHT="19" CONTENT="www" WIDTH="26" HPOS="472" VPOS="1388" ID="st21-902"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="498" VPOS="1388" ID="st21-903"/><String HEIGHT="19" CONTENT="consumerfinance" WIDTH="133" HPOS="507" VPOS="1388" ID="st21-904"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="640" VPOS="1388" ID="st21-905"/><String HEIGHT="19" CONTENT="gov/about" WIDTH="80" HPOS="649" VPOS="1388" ID="st21-906"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="729" VPOS="1388" ID="st21-907"/><String HEIGHT="19" CONTENT="us/newsroom/consumer" WIDTH="178" HPOS="737" VPOS="1388" ID="st21-908"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="915" VPOS="1388" ID="st21-909"/><String HEIGHT="19" CONTENT="financial" WIDTH="80" HPOS="923" VPOS="1388" ID="st21-910"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1003" VPOS="1388" ID="st21-911"/><String HEIGHT="19" CONTENT="protection" WIDTH="89" HPOS="1012" VPOS="1388" ID="st21-912"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1101" VPOS="1388" ID="st21-913"/><String HEIGHT="19" CONTENT="bureau" WIDTH="53" HPOS="1110" VPOS="1388" ID="st21-914"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1163" VPOS="1388" ID="st21-915"/><String HEIGHT="19" CONTENT="fines" WIDTH="44" HPOS="1172" VPOS="1388" ID="st21-916"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1216" VPOS="1388" ID="st21-917"/><String HEIGHT="19" CONTENT="wells" WIDTH="44" HPOS="1225" VPOS="1388" ID="st21-918"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1269" VPOS="1388" ID="st21-919"/><String HEIGHT="19" CONTENT="fargo" WIDTH="44" HPOS="1278" VPOS="1388" ID="st21-920"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1322" VPOS="1388" ID="st21-921"/><String HEIGHT="19" CONTENT="100" WIDTH="27" HPOS="1331" VPOS="1388" ID="st21-922"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1358" VPOS="1388" ID="st21-923"/><String HEIGHT="19" CONTENT="million" WIDTH="63" HPOS="1367" VPOS="1388" ID="st21-924" SUBS_TYPE="HypPart1" SUBS_CONTENT="millionwidespread"/><HYP CONTENT="-" WIDTH="8" HPOS="1430" VPOS="1388" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="1411" ID="tl21-43" WIDTH="570" HEIGHT="19"><String HEIGHT="19" CONTENT="widespread" WIDTH="83" HPOS="472" VPOS="1411" ID="st21-925" SUBS_TYPE="HypPart2" SUBS_CONTENT="millionwidespread"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="555" VPOS="1411" ID="st21-926"/><String HEIGHT="19" CONTENT="illegal" WIDTH="58" HPOS="564" VPOS="1411" ID="st21-927"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="622" VPOS="1411" ID="st21-928"/><String HEIGHT="19" CONTENT="practice" WIDTH="67" HPOS="631" VPOS="1411" ID="st21-929"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="698" VPOS="1411" ID="st21-930"/><String HEIGHT="19" CONTENT="secretly" WIDTH="67" HPOS="706" VPOS="1411" ID="st21-931"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="773" VPOS="1411" ID="st21-932"/><String HEIGHT="19" CONTENT="opening" WIDTH="58" HPOS="782" VPOS="1411" ID="st21-933"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="840" VPOS="1411" ID="st21-934"/><String HEIGHT="19" CONTENT="unauthorized" WIDTH="100" HPOS="849" VPOS="1411" ID="st21-935"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="949" VPOS="1411" ID="st21-936"/><String HEIGHT="19" CONTENT="accounts/" WIDTH="75" HPOS="958" VPOS="1411" ID="st21-937"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1033" VPOS="1411" ID="st21-938"/></TextLine><TextLine HPOS="472" VPOS="1447" ID="tl21-44" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="D" WIDTH="9" HPOS="472" VPOS="1447" ID="st21-939"/><String HEIGHT="18" CONTENT="’" WIDTH="9" HPOS="481" VPOS="1447" ID="st21-940"/><String HEIGHT="18" CONTENT="Costa" WIDTH="47" HPOS="490" VPOS="1447" ID="st21-941"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="537" VPOS="1447" ID="st21-942"/><SP/><String HEIGHT="18" CONTENT="V" WIDTH="7" HPOS="551" VPOS="1447" ID="st21-943"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="558" VPOS="1447" ID="st21-944"/><String HEIGHT="18" CONTENT="»" WIDTH="11" HPOS="570" VPOS="1447" ID="st21-945"/><SP/><String HEIGHT="18" CONTENT="Bank" WIDTH="41" HPOS="580" VPOS="1447" ID="st21-946"/><SP/><String HEIGHT="18" CONTENT="on" WIDTH="21" HPOS="625" VPOS="1447" ID="st21-947"/><SP/><String HEIGHT="18" CONTENT="it" WIDTH="10" HPOS="650" VPOS="1447" ID="st21-948"/><String HEIGHT="18" CONTENT=":" WIDTH="6" HPOS="660" VPOS="1447" ID="st21-949"/><SP/><String HEIGHT="18" CONTENT="Despite" WIDTH="62" HPOS="669" VPOS="1447" ID="st21-950"/><SP/><String HEIGHT="18" CONTENT="recessionary" WIDTH="99" HPOS="734" VPOS="1447" ID="st21-951"/><SP/><String HEIGHT="18" CONTENT="setbacks" WIDTH="66" HPOS="837" VPOS="1447" ID="st21-952"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="903" VPOS="1447" ID="st21-953"/><SP/><String HEIGHT="18" CONTENT="returning" WIDTH="76" HPOS="915" VPOS="1447" ID="st21-954"/><SP/><String HEIGHT="18" CONTENT="with" WIDTH="36" HPOS="995" VPOS="1447" ID="st21-955"/><SP/><String HEIGHT="18" CONTENT="economic" WIDTH="79" HPOS="1035" VPOS="1447" ID="st21-956"/><SP/><String HEIGHT="18" CONTENT="confidence" WIDTH="90" HPOS="1118" VPOS="1447" ID="st21-957"/><SP/><String HEIGHT="18" CONTENT="will" WIDTH="28" HPOS="1211" VPOS="1447" ID="st21-958"/><SP/><String HEIGHT="18" CONTENT="revive" WIDTH="46" HPOS="1243" VPOS="1447" ID="st21-959"/><SP/><String HEIGHT="18" CONTENT="revenue" WIDTH="63" HPOS="1293" VPOS="1447" ID="st21-960"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1356" VPOS="1447" ID="st21-961"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1365" VPOS="1447" ID="st21-962"/><SP/><String HEIGHT="18" CONTENT="IBISWorld" WIDTH="79" HPOS="1377" VPOS="1447" ID="st21-963"/></TextLine><TextLine HPOS="472" VPOS="1470" ID="tl21-45" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Industry" WIDTH="65" HPOS="472" VPOS="1470" ID="st21-964"/><SP/><String HEIGHT="18" CONTENT="Report" WIDTH="54" HPOS="542" VPOS="1470" ID="st21-965"/><SP/><String HEIGHT="18" CONTENT="52211" WIDTH="54" HPOS="600" VPOS="1470" ID="st21-966"/><SP/><String HEIGHT="18" CONTENT="Commercial" WIDTH="99" HPOS="658" VPOS="1470" ID="st21-967"/><SP/><String HEIGHT="18" CONTENT="Banking" WIDTH="67" HPOS="761" VPOS="1470" ID="st21-968"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="832" VPOS="1470" ID="st21-969"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="851" VPOS="1470" ID="st21-970"/><SP/><String HEIGHT="18" CONTENT="US" WIDTH="18" HPOS="882" VPOS="1470" ID="st21-971"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="900" VPOS="1470" ID="st21-972"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="914" VPOS="1470" ID="st21-973"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="994" VPOS="1470" ID="st21-974"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1008" VPOS="1470" ID="st21-975"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="45" HPOS="1020" VPOS="1470" ID="st21-976"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1065" VPOS="1470" ID="st21-977"/><String HEIGHT="18" CONTENT="//drive" WIDTH="64" HPOS="1074" VPOS="1470" ID="st21-978"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1138" VPOS="1470" ID="st21-979"/><String HEIGHT="18" CONTENT="google" WIDTH="54" HPOS="1147" VPOS="1470" ID="st21-980"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1201" VPOS="1470" ID="st21-981"/><String HEIGHT="18" CONTENT="com/file/d/1iW" WIDTH="127" HPOS="1210" VPOS="1470" ID="st21-982"/><String HEIGHT="18" CONTENT="_" WIDTH="10" HPOS="1337" VPOS="1470" ID="st21-983"/><String HEIGHT="18" CONTENT="5QgoBW2ZUxM" WIDTH="100" HPOS="1347" VPOS="1470" ID="st21-984" SUBS_TYPE="HypPart1" SUBS_CONTENT="5QgoBW2ZUxMgExzQaoWIxH7WtiAh/view"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1470" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="1493" ID="tl21-46" WIDTH="340" HEIGHT="19"><String HEIGHT="19" CONTENT="gExzQaoWIxH7WtiAh/view" WIDTH="213" HPOS="472" VPOS="1493" ID="st21-985" SUBS_TYPE="HypPart2" SUBS_CONTENT="5QgoBW2ZUxMgExzQaoWIxH7WtiAh/view"/><String HEIGHT="19" CONTENT="?" WIDTH="10" HPOS="685" VPOS="1493" ID="st21-986"/><String HEIGHT="19" CONTENT="usp" WIDTH="29" HPOS="695" VPOS="1493" ID="st21-987"/><String HEIGHT="19" CONTENT="=" WIDTH="10" HPOS="724" VPOS="1493" ID="st21-988"/><String HEIGHT="19" CONTENT="sharing" WIDTH="68" HPOS="734" VPOS="1493" ID="st21-989"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="802" VPOS="1493" ID="st21-990"/></TextLine><TextLine HPOS="472" VPOS="1528" ID="tl21-47" WIDTH="903" HEIGHT="19"><String HEIGHT="19" CONTENT="Deutsche" WIDTH="84" HPOS="472" VPOS="1528" ID="st21-991"/><SP/><String HEIGHT="19" CONTENT="Bank" WIDTH="45" HPOS="562" VPOS="1528" ID="st21-992"/><SP/><String HEIGHT="19" CONTENT="Annual" WIDTH="66" HPOS="612" VPOS="1528" ID="st21-993"/><SP/><String HEIGHT="19" CONTENT="Reports" WIDTH="65" HPOS="684" VPOS="1528" ID="st21-994"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="749" VPOS="1528" ID="st21-995"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="765" VPOS="1528" ID="st21-996"/><String HEIGHT="19" CONTENT="2012–2017" WIDTH="84" HPOS="774" VPOS="1528" ID="st21-997"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="858" VPOS="1528" ID="st21-998"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="867" VPOS="1528" ID="st21-999"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="76" HPOS="883" VPOS="1528" ID="st21-1000"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="965" VPOS="1528" ID="st21-1001"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="979" VPOS="1528" ID="st21-1002"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="43" HPOS="992" VPOS="1528" ID="st21-1003"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1035" VPOS="1528" ID="st21-1004"/><String HEIGHT="19" CONTENT="//www" WIDTH="43" HPOS="1044" VPOS="1528" ID="st21-1005"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1087" VPOS="1528" ID="st21-1006"/><String HEIGHT="19" CONTENT="db" WIDTH="17" HPOS="1096" VPOS="1528" ID="st21-1007"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1113" VPOS="1528" ID="st21-1008"/><String HEIGHT="19" CONTENT="com/ir/en/annual" WIDTH="139" HPOS="1122" VPOS="1528" ID="st21-1009"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1261" VPOS="1528" ID="st21-1010"/><String HEIGHT="19" CONTENT="reports" WIDTH="61" HPOS="1270" VPOS="1528" ID="st21-1011"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1331" VPOS="1528" ID="st21-1012"/><String HEIGHT="19" CONTENT="htm" WIDTH="26" HPOS="1340" VPOS="1528" ID="st21-1013"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1366" VPOS="1528" ID="st21-1014"/></TextLine><TextLine HPOS="472" VPOS="1564" ID="tl21-48" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Dollard" WIDTH="63" HPOS="472" VPOS="1564" ID="st21-1015"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="535" VPOS="1564" ID="st21-1016"/><SP/><String HEIGHT="18" CONTENT="M" WIDTH="9" HPOS="549" VPOS="1564" ID="st21-1017"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="558" VPOS="1564" ID="st21-1018"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="568" VPOS="1564" ID="st21-1019"/><SP/><String HEIGHT="18" CONTENT="Winefield" WIDTH="84" HPOS="582" VPOS="1564" ID="st21-1020"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="666" VPOS="1564" ID="st21-1021"/><SP/><String HEIGHT="18" CONTENT="H" WIDTH="8" HPOS="681" VPOS="1564" ID="st21-1022"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="689" VPOS="1564" ID="st21-1023"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="697" VPOS="1564" ID="st21-1024"/><SP/><String HEIGHT="18" CONTENT="Winefield" WIDTH="84" HPOS="710" VPOS="1564" ID="st21-1025"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="794" VPOS="1564" ID="st21-1026"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="8" HPOS="809" VPOS="1564" ID="st21-1027"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="817" VPOS="1564" ID="st21-1028"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="825" VPOS="1564" ID="st21-1029"/><SP/><String HEIGHT="18" CONTENT="Jonge" WIDTH="50" HPOS="838" VPOS="1564" ID="st21-1030"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="888" VPOS="1564" ID="st21-1031"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="902" VPOS="1564" ID="st21-1032"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="908" VPOS="1564" ID="st21-1033"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="920" VPOS="1564" ID="st21-1034"/><String HEIGHT="18" CONTENT="2000" WIDTH="34" HPOS="928" VPOS="1564" ID="st21-1035"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="962" VPOS="1564" ID="st21-1036"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="970" VPOS="1564" ID="st21-1037"/><String HEIGHT="18" CONTENT="»" WIDTH="8" HPOS="984" VPOS="1564" ID="st21-1038"/><String HEIGHT="18" CONTENT="Psychosocial" WIDTH="104" HPOS="992" VPOS="1564" ID="st21-1039"/><SP/><String HEIGHT="18" CONTENT="job" WIDTH="26" HPOS="1101" VPOS="1564" ID="st21-1040"/><SP/><String HEIGHT="18" CONTENT="strain" WIDTH="46" HPOS="1131" VPOS="1564" ID="st21-1041"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="1181" VPOS="1564" ID="st21-1042"/><SP/><String HEIGHT="18" CONTENT="productivity" WIDTH="97" HPOS="1217" VPOS="1564" ID="st21-1043"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1319" VPOS="1564" ID="st21-1044"/><SP/><String HEIGHT="18" CONTENT="human" WIDTH="59" HPOS="1338" VPOS="1564" ID="st21-1045"/><SP/><String HEIGHT="18" CONTENT="service" WIDTH="55" HPOS="1401" VPOS="1564" ID="st21-1046"/></TextLine><TextLine HPOS="472" VPOS="1587" ID="tl21-49" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="workers" WIDTH="62" HPOS="472" VPOS="1587" ID="st21-1047"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="534" VPOS="1587" ID="st21-1048"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="13" HPOS="548" VPOS="1587" ID="st21-1049"/><SP/><String HEIGHT="18" CONTENT="test" WIDTH="30" HPOS="566" VPOS="1587" ID="st21-1050"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="601" VPOS="1587" ID="st21-1051"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="623" VPOS="1587" ID="st21-1052"/><SP/><String HEIGHT="18" CONTENT="demand" WIDTH="55" HPOS="655" VPOS="1587" ID="st21-1053"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="710" VPOS="1587" ID="st21-1054"/><String HEIGHT="18" CONTENT="control" WIDTH="64" HPOS="719" VPOS="1587" ID="st21-1055"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="783" VPOS="1587" ID="st21-1056"/><String HEIGHT="18" CONTENT="support" WIDTH="65" HPOS="792" VPOS="1587" ID="st21-1057"/><SP/><String HEIGHT="18" CONTENT="model" WIDTH="48" HPOS="862" VPOS="1587" ID="st21-1058"/><String HEIGHT="18" CONTENT="«" WIDTH="10" HPOS="910" VPOS="1587" ID="st21-1059"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="920" VPOS="1587" ID="st21-1060"/><SP/><String HEIGHT="18" CONTENT="Journal" WIDTH="59" HPOS="935" VPOS="1587" ID="st21-1061"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="18" HPOS="999" VPOS="1587" ID="st21-1062"/><SP/><String HEIGHT="18" CONTENT="Occupational" WIDTH="109" HPOS="1021" VPOS="1587" ID="st21-1063"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="1135" VPOS="1587" ID="st21-1064"/><SP/><String HEIGHT="18" CONTENT="Social" WIDTH="48" HPOS="1171" VPOS="1587" ID="st21-1065"/><SP/><String HEIGHT="18" CONTENT="Psychology" WIDTH="85" HPOS="1224" VPOS="1587" ID="st21-1066"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="1309" VPOS="1587" ID="st21-1067"/><SP/><String HEIGHT="18" CONTENT="73" WIDTH="16" HPOS="1323" VPOS="1587" ID="st21-1068"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="1339" VPOS="1587" ID="st21-1069"/><String HEIGHT="18" CONTENT="4" WIDTH="8" HPOS="1347" VPOS="1587" ID="st21-1070"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="1355" VPOS="1587" ID="st21-1071"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="1363" VPOS="1587" ID="st21-1072"/><SP/><String HEIGHT="18" CONTENT="501–510" WIDTH="70" HPOS="1376" VPOS="1587" ID="st21-1073"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1446" VPOS="1587" ID="st21-1074"/></TextLine><TextLine HPOS="472" VPOS="1610" ID="tl21-50" WIDTH="829" HEIGHT="19"><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="1610" ID="st21-1075"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="554" VPOS="1610" ID="st21-1076"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="568" VPOS="1610" ID="st21-1077"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="45" HPOS="581" VPOS="1610" ID="st21-1078"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="626" VPOS="1610" ID="st21-1079"/><String HEIGHT="19" CONTENT="//pdfs" WIDTH="55" HPOS="635" VPOS="1610" ID="st21-1080"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="690" VPOS="1610" ID="st21-1081"/><String HEIGHT="19" CONTENT="semanticscholar" WIDTH="137" HPOS="699" VPOS="1610" ID="st21-1082"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="836" VPOS="1610" ID="st21-1083"/><String HEIGHT="19" CONTENT="org/4a14/836479fadf8a4edf93d55558ebbdd4abfe6d" WIDTH="410" HPOS="845" VPOS="1610" ID="st21-1084"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1255" VPOS="1610" ID="st21-1085"/><String HEIGHT="19" CONTENT="pdf" WIDTH="27" HPOS="1264" VPOS="1610" ID="st21-1086"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1291" VPOS="1610" ID="st21-1087"/></TextLine><TextLine HPOS="472" VPOS="1645" ID="tl21-51" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Egan" WIDTH="40" HPOS="472" VPOS="1645" ID="st21-1088"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="512" VPOS="1645" ID="st21-1089"/><SP/><String HEIGHT="19" CONTENT="M" WIDTH="11" HPOS="529" VPOS="1645" ID="st21-1090"/><String HEIGHT="19" CONTENT="." WIDTH="12" HPOS="540" VPOS="1645" ID="st21-1091"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="558" VPOS="1645" ID="st21-1092"/><String HEIGHT="19" CONTENT="26" WIDTH="18" HPOS="567" VPOS="1645" ID="st21-1093"/><SP/><String HEIGHT="19" CONTENT="September" WIDTH="90" HPOS="591" VPOS="1645" ID="st21-1094"/><SP/><String HEIGHT="19" CONTENT="2016" WIDTH="36" HPOS="686" VPOS="1645" ID="st21-1095"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="722" VPOS="1645" ID="st21-1096"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="731" VPOS="1645" ID="st21-1097"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="746" VPOS="1645" ID="st21-1098"/><String HEIGHT="19" CONTENT="Wells" WIDTH="46" HPOS="755" VPOS="1645" ID="st21-1099"/><SP/><String HEIGHT="19" CONTENT="Fargo" WIDTH="46" HPOS="807" VPOS="1645" ID="st21-1100"/><SP/><String HEIGHT="19" CONTENT="stock" WIDTH="43" HPOS="859" VPOS="1645" ID="st21-1101"/><SP/><String HEIGHT="19" CONTENT="sinks" WIDTH="40" HPOS="908" VPOS="1645" ID="st21-1102"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="954" VPOS="1645" ID="st21-1103"/><SP/><String HEIGHT="19" CONTENT="a" WIDTH="10" HPOS="977" VPOS="1645" ID="st21-1104"/><SP/><String HEIGHT="19" CONTENT="2½" WIDTH="27" HPOS="992" VPOS="1645" ID="st21-1105"/><SP/><String HEIGHT="19" CONTENT="year" WIDTH="35" HPOS="1025" VPOS="1645" ID="st21-1106"/><SP/><String HEIGHT="19" CONTENT="low" WIDTH="27" HPOS="1066" VPOS="1645" ID="st21-1107"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1093" VPOS="1645" ID="st21-1108"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="1102" VPOS="1645" ID="st21-1109"/><SP/><String HEIGHT="19" CONTENT="CNN" WIDTH="39" HPOS="1117" VPOS="1645" ID="st21-1110"/><SP/><String HEIGHT="19" CONTENT="Money" WIDTH="50" HPOS="1161" VPOS="1645" ID="st21-1111"/><String HEIGHT="19" CONTENT="." WIDTH="11" HPOS="1211" VPOS="1645" ID="st21-1112"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="1228" VPOS="1645" ID="st21-1113"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1311" VPOS="1645" ID="st21-1114"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="1325" VPOS="1645" ID="st21-1115"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="42" HPOS="1338" VPOS="1645" ID="st21-1116"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1380" VPOS="1645" ID="st21-1117"/><String HEIGHT="19" CONTENT="//money" WIDTH="59" HPOS="1388" VPOS="1645" ID="st21-1118"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1645" ID="st21-1119"/></TextLine><TextLine HPOS="472" VPOS="1669" ID="tl21-52" WIDTH="681" HEIGHT="18"><String HEIGHT="18" CONTENT="cnn" WIDTH="25" HPOS="472" VPOS="1669" ID="st21-1120"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="497" VPOS="1669" ID="st21-1121"/><String HEIGHT="18" CONTENT="com/2016/09/26/investing/wells" WIDTH="259" HPOS="506" VPOS="1669" ID="st21-1122"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="765" VPOS="1669" ID="st21-1123"/><String HEIGHT="18" CONTENT="fargo" WIDTH="43" HPOS="773" VPOS="1669" ID="st21-1124"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="816" VPOS="1669" ID="st21-1125"/><String HEIGHT="18" CONTENT="stock" WIDTH="43" HPOS="825" VPOS="1669" ID="st21-1126"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="868" VPOS="1669" ID="st21-1127"/><String HEIGHT="18" CONTENT="fake" WIDTH="34" HPOS="877" VPOS="1669" ID="st21-1128"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="911" VPOS="1669" ID="st21-1129"/><String HEIGHT="18" CONTENT="account" WIDTH="60" HPOS="920" VPOS="1669" ID="st21-1130"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="980" VPOS="1669" ID="st21-1131"/><String HEIGHT="18" CONTENT="scandal/index" WIDTH="112" HPOS="989" VPOS="1669" ID="st21-1132"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1101" VPOS="1669" ID="st21-1133"/><String HEIGHT="18" CONTENT="html" WIDTH="35" HPOS="1109" VPOS="1669" ID="st21-1134"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1144" VPOS="1669" ID="st21-1135"/></TextLine><TextLine HPOS="472" VPOS="1704" ID="tl21-53" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="European" WIDTH="87" HPOS="472" VPOS="1704" ID="st21-1136"/><SP/><String HEIGHT="18" CONTENT="Commission" WIDTH="105" HPOS="564" VPOS="1704" ID="st21-1137"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="669" VPOS="1704" ID="st21-1138"/><String HEIGHT="18" CONTENT="»" WIDTH="11" HPOS="685" VPOS="1704" ID="st21-1139"/><SP/><String HEIGHT="18" CONTENT="Employee" WIDTH="80" HPOS="696" VPOS="1704" ID="st21-1140"/><SP/><String HEIGHT="18" CONTENT="Involvement" WIDTH="100" HPOS="781" VPOS="1704" ID="st21-1141"/><SP/><String HEIGHT="18" CONTENT="–" WIDTH="9" HPOS="887" VPOS="1704" ID="st21-1142"/><SP/><String HEIGHT="18" CONTENT="European" WIDTH="79" HPOS="901" VPOS="1704" ID="st21-1143"/><SP/><String HEIGHT="18" CONTENT="Works" WIDTH="53" HPOS="985" VPOS="1704" ID="st21-1144"/><SP/><String HEIGHT="18" CONTENT="Councils" WIDTH="68" HPOS="1043" VPOS="1704" ID="st21-1145"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1111" VPOS="1704" ID="st21-1146"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1120" VPOS="1704" ID="st21-1147"/><SP/><String HEIGHT="18" CONTENT="Employment" WIDTH="99" HPOS="1135" VPOS="1704" ID="st21-1148"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="1234" VPOS="1704" ID="st21-1149"/><SP/><String HEIGHT="18" CONTENT="Social" WIDTH="47" HPOS="1249" VPOS="1704" ID="st21-1150"/><SP/><String HEIGHT="18" CONTENT="Affairs" WIDTH="53" HPOS="1302" VPOS="1704" ID="st21-1151"/><String HEIGHT="18" CONTENT="&amp;" WIDTH="13" HPOS="1360" VPOS="1704" ID="st21-1152"/><SP/><String HEIGHT="18" CONTENT="Inclusion" WIDTH="70" HPOS="1378" VPOS="1704" ID="st21-1153"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1448" VPOS="1704" ID="st21-1154"/></TextLine><TextLine HPOS="472" VPOS="1727" ID="tl21-54" WIDTH="722" HEIGHT="19"><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="1727" ID="st21-1155"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="554" VPOS="1727" ID="st21-1156"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="568" VPOS="1727" ID="st21-1157"/><SP/><String HEIGHT="19" CONTENT="http" WIDTH="35" HPOS="581" VPOS="1727" ID="st21-1158"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="616" VPOS="1727" ID="st21-1159"/><String HEIGHT="19" CONTENT="//ec" WIDTH="35" HPOS="624" VPOS="1727" ID="st21-1160"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="659" VPOS="1727" ID="st21-1161"/><String HEIGHT="19" CONTENT="europa" WIDTH="53" HPOS="668" VPOS="1727" ID="st21-1162"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="721" VPOS="1727" ID="st21-1163"/><String HEIGHT="19" CONTENT="eu/social/main" WIDTH="123" HPOS="729" VPOS="1727" ID="st21-1164"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="852" VPOS="1727" ID="st21-1165"/><String HEIGHT="19" CONTENT="jsp" WIDTH="26" HPOS="861" VPOS="1727" ID="st21-1166"/><String HEIGHT="19" CONTENT="?" WIDTH="9" HPOS="887" VPOS="1727" ID="st21-1167"/><String HEIGHT="19" CONTENT="catId" WIDTH="44" HPOS="896" VPOS="1727" ID="st21-1168"/><String HEIGHT="19" CONTENT="=" WIDTH="8" HPOS="940" VPOS="1727" ID="st21-1169"/><String HEIGHT="19" CONTENT="707" WIDTH="27" HPOS="948" VPOS="1727" ID="st21-1170"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="8" HPOS="975" VPOS="1727" ID="st21-1171"/><String HEIGHT="19" CONTENT="langId" WIDTH="53" HPOS="983" VPOS="1727" ID="st21-1172"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="1036" VPOS="1727" ID="st21-1173"/><String HEIGHT="19" CONTENT="en" WIDTH="17" HPOS="1045" VPOS="1727" ID="st21-1174"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="9" HPOS="1062" VPOS="1727" ID="st21-1175"/><String HEIGHT="19" CONTENT="intPageId" WIDTH="79" HPOS="1071" VPOS="1727" ID="st21-1176"/><String HEIGHT="19" CONTENT="=" WIDTH="8" HPOS="1150" VPOS="1727" ID="st21-1177"/><String HEIGHT="19" CONTENT="211" WIDTH="27" HPOS="1158" VPOS="1727" ID="st21-1178"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1185" VPOS="1727" ID="st21-1179"/></TextLine><TextLine HPOS="472" VPOS="1762" ID="tl21-55" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="European" WIDTH="87" HPOS="472" VPOS="1762" ID="st21-1180"/><SP/><String HEIGHT="19" CONTENT="Trade" WIDTH="50" HPOS="564" VPOS="1762" ID="st21-1181"/><SP/><String HEIGHT="19" CONTENT="Union" WIDTH="55" HPOS="619" VPOS="1762" ID="st21-1182"/><SP/><String HEIGHT="19" CONTENT="Institute" WIDTH="74" HPOS="679" VPOS="1762" ID="st21-1183"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="753" VPOS="1762" ID="st21-1184"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="767" VPOS="1762" ID="st21-1185"/><String HEIGHT="19" CONTENT="2016" WIDTH="34" HPOS="775" VPOS="1762" ID="st21-1186"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="809" VPOS="1762" ID="st21-1187"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="817" VPOS="1762" ID="st21-1188"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="831" VPOS="1762" ID="st21-1189"/><String HEIGHT="19" CONTENT="Benchmarking" WIDTH="120" HPOS="841" VPOS="1762" ID="st21-1190"/><SP/><String HEIGHT="19" CONTENT="Working" WIDTH="71" HPOS="966" VPOS="1762" ID="st21-1191"/><SP/><String HEIGHT="19" CONTENT="Europe" WIDTH="58" HPOS="1042" VPOS="1762" ID="st21-1192"/><SP/><String HEIGHT="19" CONTENT="2016" WIDTH="39" HPOS="1105" VPOS="1762" ID="st21-1193"/><String HEIGHT="19" CONTENT="«" WIDTH="10" HPOS="1144" VPOS="1762" ID="st21-1194"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1154" VPOS="1762" ID="st21-1195"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="1169" VPOS="1762" ID="st21-1196"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1251" VPOS="1762" ID="st21-1197"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1265" VPOS="1762" ID="st21-1198"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="42" HPOS="1278" VPOS="1762" ID="st21-1199"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1320" VPOS="1762" ID="st21-1200"/><String HEIGHT="19" CONTENT="//www" WIDTH="43" HPOS="1328" VPOS="1762" ID="st21-1201"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1371" VPOS="1762" ID="st21-1202"/><String HEIGHT="19" CONTENT="etui" WIDTH="34" HPOS="1379" VPOS="1762" ID="st21-1203"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1413" VPOS="1762" ID="st21-1204"/><String HEIGHT="19" CONTENT="org" WIDTH="25" HPOS="1422" VPOS="1762" ID="st21-1205"/><String HEIGHT="19" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="1762" ID="st21-1206"/></TextLine><TextLine HPOS="472" VPOS="1786" ID="tl21-56" WIDTH="485" HEIGHT="18"><String HEIGHT="18" CONTENT="Publications2/Books/Benchmarking" WIDTH="292" HPOS="472" VPOS="1786" ID="st21-1207"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="764" VPOS="1786" ID="st21-1208"/><String HEIGHT="18" CONTENT="Working" WIDTH="65" HPOS="773" VPOS="1786" ID="st21-1209"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="838" VPOS="1786" ID="st21-1210"/><String HEIGHT="18" CONTENT="Europe" WIDTH="55" HPOS="847" VPOS="1786" ID="st21-1211"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="902" VPOS="1786" ID="st21-1212"/><String HEIGHT="18" CONTENT="2016" WIDTH="36" HPOS="911" VPOS="1786" ID="st21-1213"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="947" VPOS="1786" ID="st21-1214"/></TextLine><TextLine HPOS="472" VPOS="1821" ID="tl21-57" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Eurofound" WIDTH="91" HPOS="472" VPOS="1821" ID="st21-1215"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="563" VPOS="1821" ID="st21-1216"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="582" VPOS="1821" ID="st21-1217"/><String HEIGHT="18" CONTENT="2014" WIDTH="34" HPOS="590" VPOS="1821" ID="st21-1218"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="624" VPOS="1821" ID="st21-1219"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="632" VPOS="1821" ID="st21-1220"/><String HEIGHT="18" CONTENT="»" WIDTH="8" HPOS="648" VPOS="1821" ID="st21-1221"/><String HEIGHT="18" CONTENT="Financial" WIDTH="74" HPOS="656" VPOS="1821" ID="st21-1222"/><SP/><String HEIGHT="18" CONTENT="services" WIDTH="62" HPOS="738" VPOS="1821" ID="st21-1223"/><SP/><String HEIGHT="18" CONTENT="sector" WIDTH="47" HPOS="808" VPOS="1821" ID="st21-1224"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="855" VPOS="1821" ID="st21-1225"/><SP/><String HEIGHT="18" CONTENT="Working" WIDTH="71" HPOS="870" VPOS="1821" ID="st21-1226"/><SP/><String HEIGHT="18" CONTENT="conditions" WIDTH="86" HPOS="948" VPOS="1821" ID="st21-1227"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1041" VPOS="1821" ID="st21-1228"/><SP/><String HEIGHT="18" CONTENT="job" WIDTH="26" HPOS="1079" VPOS="1821" ID="st21-1229"/><SP/><String HEIGHT="18" CONTENT="quality" WIDTH="55" HPOS="1113" VPOS="1821" ID="st21-1230"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="1168" VPOS="1821" ID="st21-1231"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1176" VPOS="1821" ID="st21-1232"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1191" VPOS="1821" ID="st21-1233"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1275" VPOS="1821" ID="st21-1234"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1289" VPOS="1821" ID="st21-1235"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="44" HPOS="1304" VPOS="1821" ID="st21-1236"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1348" VPOS="1821" ID="st21-1237"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="1357" VPOS="1821" ID="st21-1238"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1402" VPOS="1821" ID="st21-1239"/><String HEIGHT="18" CONTENT="euro" WIDTH="36" HPOS="1411" VPOS="1821" ID="st21-1240" SUBS_TYPE="HypPart1" SUBS_CONTENT="eurofound"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1821" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="1844" ID="tl21-58" WIDTH="982" HEIGHT="19"><String HEIGHT="19" CONTENT="found" WIDTH="42" HPOS="472" VPOS="1844" ID="st21-1241" SUBS_TYPE="HypPart2" SUBS_CONTENT="eurofound"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="514" VPOS="1844" ID="st21-1242"/><String HEIGHT="19" CONTENT="europa" WIDTH="51" HPOS="522" VPOS="1844" ID="st21-1243"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="573" VPOS="1844" ID="st21-1244"/><String HEIGHT="19" CONTENT="eu/publications/information" WIDTH="228" HPOS="582" VPOS="1844" ID="st21-1245"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="810" VPOS="1844" ID="st21-1246"/><String HEIGHT="19" CONTENT="sheet/2015/working" WIDTH="152" HPOS="819" VPOS="1844" ID="st21-1247"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="971" VPOS="1844" ID="st21-1248"/><String HEIGHT="19" CONTENT="conditions/financial" WIDTH="169" HPOS="980" VPOS="1844" ID="st21-1249"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1149" VPOS="1844" ID="st21-1250"/><String HEIGHT="19" CONTENT="services" WIDTH="68" HPOS="1158" VPOS="1844" ID="st21-1251"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1226" VPOS="1844" ID="st21-1252"/><String HEIGHT="19" CONTENT="sector" WIDTH="51" HPOS="1234" VPOS="1844" ID="st21-1253"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1285" VPOS="1844" ID="st21-1254"/><String HEIGHT="19" CONTENT="working" WIDTH="60" HPOS="1293" VPOS="1844" ID="st21-1255"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1353" VPOS="1844" ID="st21-1256"/><String HEIGHT="19" CONTENT="conditions" WIDTH="85" HPOS="1361" VPOS="1844" ID="st21-1257" SUBS_TYPE="HypPart1" SUBS_CONTENT="conditionsand"/><HYP CONTENT="-" WIDTH="8" HPOS="1446" VPOS="1844" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="1867" ID="tl21-59" WIDTH="129" HEIGHT="19"><String HEIGHT="19" CONTENT="and" WIDTH="24" HPOS="472" VPOS="1867" ID="st21-1258" SUBS_TYPE="HypPart2" SUBS_CONTENT="conditionsand"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="496" VPOS="1867" ID="st21-1259"/><String HEIGHT="19" CONTENT="job" WIDTH="24" HPOS="504" VPOS="1867" ID="st21-1260"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="528" VPOS="1867" ID="st21-1261"/><String HEIGHT="19" CONTENT="quality" WIDTH="56" HPOS="536" VPOS="1867" ID="st21-1262"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="592" VPOS="1867" ID="st21-1263"/></TextLine><TextLine HPOS="472" VPOS="1903" ID="tl21-60" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Eurofound" WIDTH="91" HPOS="472" VPOS="1903" ID="st21-1264"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="563" VPOS="1903" ID="st21-1265"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="579" VPOS="1903" ID="st21-1266"/><String HEIGHT="18" CONTENT="2015" WIDTH="34" HPOS="587" VPOS="1903" ID="st21-1267"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="621" VPOS="1903" ID="st21-1268"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="630" VPOS="1903" ID="st21-1269"/><String HEIGHT="18" CONTENT="»" WIDTH="13" HPOS="643" VPOS="1903" ID="st21-1270"/><String HEIGHT="18" CONTENT="EWC" WIDTH="39" HPOS="656" VPOS="1903" ID="st21-1271"/><SP/><String HEIGHT="18" CONTENT="Case" WIDTH="40" HPOS="700" VPOS="1903" ID="st21-1272"/><SP/><String HEIGHT="18" CONTENT="Studies" WIDTH="60" HPOS="745" VPOS="1903" ID="st21-1273"/><SP/><String HEIGHT="18" CONTENT="Deutsche" WIDTH="77" HPOS="809" VPOS="1903" ID="st21-1274"/><SP/><String HEIGHT="18" CONTENT="Bank" WIDTH="38" HPOS="891" VPOS="1903" ID="st21-1275"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="929" VPOS="1903" ID="st21-1276"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="938" VPOS="1903" ID="st21-1277"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="953" VPOS="1903" ID="st21-1278"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1035" VPOS="1903" ID="st21-1279"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1049" VPOS="1903" ID="st21-1280"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="42" HPOS="1061" VPOS="1903" ID="st21-1281"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1103" VPOS="1903" ID="st21-1282"/><String HEIGHT="18" CONTENT="//www" WIDTH="43" HPOS="1112" VPOS="1903" ID="st21-1283"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1155" VPOS="1903" ID="st21-1284"/><String HEIGHT="18" CONTENT="eurofound" WIDTH="77" HPOS="1164" VPOS="1903" ID="st21-1285"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1241" VPOS="1903" ID="st21-1286"/><String HEIGHT="18" CONTENT="europa" WIDTH="52" HPOS="1249" VPOS="1903" ID="st21-1287"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1301" VPOS="1903" ID="st21-1288"/><String HEIGHT="18" CONTENT="eu/sites/default" WIDTH="137" HPOS="1310" VPOS="1903" ID="st21-1289"/><String HEIGHT="18" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="1903" ID="st21-1290"/></TextLine><TextLine HPOS="472" VPOS="1926" ID="tl21-61" WIDTH="471" HEIGHT="18"><String HEIGHT="18" CONTENT="files/ef" WIDTH="68" HPOS="472" VPOS="1926" ID="st21-1291"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="540" VPOS="1926" ID="st21-1292"/><String HEIGHT="18" CONTENT="publication/field" WIDTH="145" HPOS="549" VPOS="1926" ID="st21-1293"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="694" VPOS="1926" ID="st21-1294"/><String HEIGHT="18" CONTENT="ef" WIDTH="17" HPOS="703" VPOS="1926" ID="st21-1295"/><String HEIGHT="18" CONTENT="_" WIDTH="8" HPOS="720" VPOS="1926" ID="st21-1296"/><String HEIGHT="18" CONTENT="document/ef0571enc16" WIDTH="172" HPOS="728" VPOS="1926" ID="st21-1297"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="900" VPOS="1926" ID="st21-1298"/><String HEIGHT="18" CONTENT="pdf" WIDTH="26" HPOS="908" VPOS="1926" ID="st21-1299"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="934" VPOS="1926" ID="st21-1300"/></TextLine><TextLine HPOS="472" VPOS="1961" ID="tl21-62" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Eaton" WIDTH="48" HPOS="472" VPOS="1961" ID="st21-1301"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="520" VPOS="1961" ID="st21-1302"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="8" HPOS="537" VPOS="1961" ID="st21-1303"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="545" VPOS="1961" ID="st21-1304"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="553" VPOS="1961" ID="st21-1305"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="34" HPOS="568" VPOS="1961" ID="st21-1306"/><SP/><String HEIGHT="18" CONTENT="Kriesky" WIDTH="61" HPOS="609" VPOS="1961" ID="st21-1307"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="670" VPOS="1961" ID="st21-1308"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="686" VPOS="1961" ID="st21-1309"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="692" VPOS="1961" ID="st21-1310"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="705" VPOS="1961" ID="st21-1311"/><String HEIGHT="18" CONTENT="2001" WIDTH="34" HPOS="713" VPOS="1961" ID="st21-1312"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="747" VPOS="1961" ID="st21-1313"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="756" VPOS="1961" ID="st21-1314"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="771" VPOS="1961" ID="st21-1315"/><String HEIGHT="18" CONTENT="Union" WIDTH="50" HPOS="781" VPOS="1961" ID="st21-1316"/><SP/><String HEIGHT="18" CONTENT="Organizing" WIDTH="91" HPOS="838" VPOS="1961" ID="st21-1317"/><SP/><String HEIGHT="18" CONTENT="Under" WIDTH="51" HPOS="935" VPOS="1961" ID="st21-1318"/><SP/><String HEIGHT="18" CONTENT="Neutrality" WIDTH="80" HPOS="992" VPOS="1961" ID="st21-1319"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="1078" VPOS="1961" ID="st21-1320"/><SP/><String HEIGHT="18" CONTENT="Card" WIDTH="40" HPOS="1116" VPOS="1961" ID="st21-1321"/><SP/><String HEIGHT="18" CONTENT="Check" WIDTH="52" HPOS="1162" VPOS="1961" ID="st21-1322"/><SP/><String HEIGHT="18" CONTENT="Agreements" WIDTH="97" HPOS="1220" VPOS="1961" ID="st21-1323"/><String HEIGHT="18" CONTENT="«" WIDTH="10" HPOS="1317" VPOS="1961" ID="st21-1324"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1327" VPOS="1961" ID="st21-1325"/><SP/><String HEIGHT="18" CONTENT="Industrial" WIDTH="75" HPOS="1343" VPOS="1961" ID="st21-1326"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1425" VPOS="1961" ID="st21-1327"/></TextLine><TextLine HPOS="472" VPOS="1984" ID="tl21-63" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Labor" WIDTH="46" HPOS="472" VPOS="1984" ID="st21-1328"/><SP/><String HEIGHT="19" CONTENT="Relations" WIDTH="75" HPOS="523" VPOS="1984" ID="st21-1329"/><SP/><String HEIGHT="19" CONTENT="Review" WIDTH="53" HPOS="603" VPOS="1984" ID="st21-1330"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="656" VPOS="1984" ID="st21-1331"/><SP/><String HEIGHT="19" CONTENT="55" WIDTH="16" HPOS="670" VPOS="1984" ID="st21-1332"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="686" VPOS="1984" ID="st21-1333"/><String HEIGHT="19" CONTENT="1" WIDTH="8" HPOS="694" VPOS="1984" ID="st21-1334"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="702" VPOS="1984" ID="st21-1335"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="710" VPOS="1984" ID="st21-1336"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="724" VPOS="1984" ID="st21-1337"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="806" VPOS="1984" ID="st21-1338"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="820" VPOS="1984" ID="st21-1339"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="45" HPOS="832" VPOS="1984" ID="st21-1340"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="877" VPOS="1984" ID="st21-1341"/><String HEIGHT="19" CONTENT="//www" WIDTH="45" HPOS="886" VPOS="1984" ID="st21-1342"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="931" VPOS="1984" ID="st21-1343"/><String HEIGHT="19" CONTENT="researchgate" WIDTH="109" HPOS="940" VPOS="1984" ID="st21-1344"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1049" VPOS="1984" ID="st21-1345"/><String HEIGHT="19" CONTENT="net/publication/5119457" WIDTH="208" HPOS="1058" VPOS="1984" ID="st21-1346"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1266" VPOS="1984" ID="st21-1347"/><String HEIGHT="19" CONTENT="Union" WIDTH="45" HPOS="1275" VPOS="1984" ID="st21-1348"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1320" VPOS="1984" ID="st21-1349"/><String HEIGHT="19" CONTENT="Organizing" WIDTH="90" HPOS="1329" VPOS="1984" ID="st21-1350"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1419" VPOS="1984" ID="st21-1351"/><String HEIGHT="19" CONTENT="Un" WIDTH="19" HPOS="1428" VPOS="1984" ID="st21-1352" SUBS_TYPE="HypPart1" SUBS_CONTENT="Under"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1984" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="2008" ID="tl21-64" WIDTH="384" HEIGHT="18"><String HEIGHT="18" CONTENT="der" WIDTH="28" HPOS="472" VPOS="2008" ID="st21-1353" SUBS_TYPE="HypPart2" SUBS_CONTENT="Under"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="500" VPOS="2008" ID="st21-1354"/><String HEIGHT="18" CONTENT="Neutrality" WIDTH="94" HPOS="509" VPOS="2008" ID="st21-1355"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="603" VPOS="2008" ID="st21-1356"/><String HEIGHT="18" CONTENT="and" WIDTH="28" HPOS="612" VPOS="2008" ID="st21-1357"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="640" VPOS="2008" ID="st21-1358"/><String HEIGHT="18" CONTENT="Card" WIDTH="38" HPOS="649" VPOS="2008" ID="st21-1359"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="687" VPOS="2008" ID="st21-1360"/><String HEIGHT="18" CONTENT="Check" WIDTH="47" HPOS="696" VPOS="2008" ID="st21-1361"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="743" VPOS="2008" ID="st21-1362"/><String HEIGHT="18" CONTENT="Agreements" WIDTH="94" HPOS="752" VPOS="2008" ID="st21-1363"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="846" VPOS="2008" ID="st21-1364"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl21-65" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="20" WIDTH="32" HPOS="810" VPOS="2254" ID="st21-1365"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="22" ID="p840461" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840461" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840461" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl22-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st22-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st22-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st22-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st22-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st22-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st22-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st22-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st22-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st22-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st22-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st22-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st22-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st22-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st22-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st22-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st22-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st22-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st22-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st22-18"/></TextLine><TextLine HPOS="196" VPOS="191" ID="tl22-1" WIDTH="184" HEIGHT="34"><String HEIGHT="34" CONTENT="References" WIDTH="184" HPOS="196" VPOS="191" ID="st22-19"/></TextLine><TextLine HPOS="472" VPOS="289" ID="tl22-2" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Epstein" WIDTH="63" HPOS="472" VPOS="289" ID="st22-20"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="535" VPOS="289" ID="st22-21"/><SP/><String HEIGHT="19" CONTENT="G" WIDTH="9" HPOS="551" VPOS="289" ID="st22-22"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="560" VPOS="289" ID="st22-23"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="577" VPOS="289" ID="st22-24"/><String HEIGHT="19" CONTENT="2005" WIDTH="34" HPOS="585" VPOS="289" ID="st22-25"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="619" VPOS="289" ID="st22-26"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="628" VPOS="289" ID="st22-27"/><String HEIGHT="19" CONTENT="»" WIDTH="8" HPOS="643" VPOS="289" ID="st22-28"/><String HEIGHT="19" CONTENT="Introduction" WIDTH="101" HPOS="651" VPOS="289" ID="st22-29"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="752" VPOS="289" ID="st22-30"/><SP/><String HEIGHT="19" CONTENT="Financialization" WIDTH="127" HPOS="767" VPOS="289" ID="st22-31"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="901" VPOS="289" ID="st22-32"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="939" VPOS="289" ID="st22-33"/><SP/><String HEIGHT="19" CONTENT="World" WIDTH="51" HPOS="972" VPOS="289" ID="st22-34"/><SP/><String HEIGHT="19" CONTENT="Economy" WIDTH="71" HPOS="1029" VPOS="289" ID="st22-35"/><String HEIGHT="19" CONTENT="«" WIDTH="10" HPOS="1100" VPOS="289" ID="st22-36"/><String HEIGHT="19" CONTENT="." WIDTH="11" HPOS="1110" VPOS="289" ID="st22-37"/><SP/><String HEIGHT="19" CONTENT="Edward" WIDTH="62" HPOS="1128" VPOS="289" ID="st22-38"/><SP/><String HEIGHT="19" CONTENT="Elgar" WIDTH="41" HPOS="1197" VPOS="289" ID="st22-39"/><SP/><String HEIGHT="19" CONTENT="Publishing" WIDTH="80" HPOS="1245" VPOS="289" ID="st22-40"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1325" VPOS="289" ID="st22-41"/><SP/><String HEIGHT="19" CONTENT="pp" WIDTH="18" HPOS="1341" VPOS="289" ID="st22-42"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1359" VPOS="289" ID="st22-43"/><SP/><String HEIGHT="19" CONTENT="3–16" WIDTH="37" HPOS="1375" VPOS="289" ID="st22-44"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1412" VPOS="289" ID="st22-45"/><SP/><String HEIGHT="19" CONTENT="Re" WIDTH="18" HPOS="1429" VPOS="289" ID="st22-46" SUBS_TYPE="HypPart1" SUBS_CONTENT="Retrieved"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="289" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="313" ID="tl22-3" WIDTH="880" HEIGHT="18"><String HEIGHT="18" CONTENT="trieved" WIDTH="56" HPOS="472" VPOS="313" ID="st22-47" SUBS_TYPE="HypPart2" SUBS_CONTENT="Retrieved"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="534" VPOS="313" ID="st22-48"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="548" VPOS="313" ID="st22-49"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="42" HPOS="561" VPOS="313" ID="st22-50"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="603" VPOS="313" ID="st22-51"/><String HEIGHT="18" CONTENT="//www" WIDTH="42" HPOS="611" VPOS="313" ID="st22-52"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="653" VPOS="313" ID="st22-53"/><String HEIGHT="18" CONTENT="peri" WIDTH="34" HPOS="661" VPOS="313" ID="st22-54"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="695" VPOS="313" ID="st22-55"/><String HEIGHT="18" CONTENT="umass" WIDTH="42" HPOS="704" VPOS="313" ID="st22-56"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="746" VPOS="313" ID="st22-57"/><String HEIGHT="18" CONTENT="edu/fileadmin/pdf/programs/globalization/financialization/chapter1" WIDTH="555" HPOS="754" VPOS="313" ID="st22-58"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1309" VPOS="313" ID="st22-59"/><String HEIGHT="18" CONTENT="pdf" WIDTH="25" HPOS="1318" VPOS="313" ID="st22-60"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1343" VPOS="313" ID="st22-61"/></TextLine><TextLine HPOS="472" VPOS="348" ID="tl22-4" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Fabrizio" WIDTH="69" HPOS="472" VPOS="348" ID="st22-62"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="541" VPOS="348" ID="st22-63"/><SP/><String HEIGHT="18" CONTENT="S" WIDTH="7" HPOS="555" VPOS="348" ID="st22-64"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="562" VPOS="348" ID="st22-65"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="569" VPOS="348" ID="st22-66"/><SP/><String HEIGHT="18" CONTENT="Kpodar" WIDTH="60" HPOS="582" VPOS="348" ID="st22-67"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="642" VPOS="348" ID="st22-68"/><SP/><String HEIGHT="18" CONTENT="R" WIDTH="7" HPOS="658" VPOS="348" ID="st22-69"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="665" VPOS="348" ID="st22-70"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="672" VPOS="348" ID="st22-71"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="34" HPOS="686" VPOS="348" ID="st22-72"/><SP/><String HEIGHT="18" CONTENT="Lane" WIDTH="39" HPOS="725" VPOS="348" ID="st22-73"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="764" VPOS="348" ID="st22-74"/><SP/><String HEIGHT="18" CONTENT="C" WIDTH="9" HPOS="779" VPOS="348" ID="st22-75"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="788" VPOS="348" ID="st22-76"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="802" VPOS="348" ID="st22-77"/><String HEIGHT="18" CONTENT="2017" WIDTH="34" HPOS="810" VPOS="348" ID="st22-78"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="844" VPOS="348" ID="st22-79"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="852" VPOS="348" ID="st22-80"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="867" VPOS="348" ID="st22-81"/><String HEIGHT="18" CONTENT="IMF" WIDTH="31" HPOS="877" VPOS="348" ID="st22-82"/><SP/><String HEIGHT="18" CONTENT="Support" WIDTH="66" HPOS="913" VPOS="348" ID="st22-83"/><SP/><String HEIGHT="18" CONTENT="for" WIDTH="24" HPOS="984" VPOS="348" ID="st22-84"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1013" VPOS="348" ID="st22-85"/><SP/><String HEIGHT="18" CONTENT="United" WIDTH="55" HPOS="1045" VPOS="348" ID="st22-86"/><SP/><String HEIGHT="18" CONTENT="Nations" WIDTH="60" HPOS="1105" VPOS="348" ID="st22-87"/><String HEIGHT="18" CONTENT="’" WIDTH="9" HPOS="1165" VPOS="348" ID="st22-88"/><SP/><String HEIGHT="18" CONTENT="Sustainable" WIDTH="94" HPOS="1179" VPOS="348" ID="st22-89"/><SP/><String HEIGHT="18" CONTENT="Development" WIDTH="110" HPOS="1278" VPOS="348" ID="st22-90"/><SP/><String HEIGHT="18" CONTENT="Goals" WIDTH="45" HPOS="1393" VPOS="348" ID="st22-91"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1438" VPOS="348" ID="st22-92"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="348" ID="st22-93"/></TextLine><TextLine HPOS="472" VPOS="371" ID="tl22-5" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="IMF" WIDTH="30" HPOS="472" VPOS="371" ID="st22-94"/><SP/><String HEIGHT="19" CONTENT="Blog" WIDTH="33" HPOS="510" VPOS="371" ID="st22-95"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="543" VPOS="371" ID="st22-96"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="560" VPOS="371" ID="st22-97"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="645" VPOS="371" ID="st22-98"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="659" VPOS="371" ID="st22-99"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="42" HPOS="674" VPOS="371" ID="st22-100"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="716" VPOS="371" ID="st22-101"/><String HEIGHT="19" CONTENT="//blogs" WIDTH="59" HPOS="725" VPOS="371" ID="st22-102"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="784" VPOS="371" ID="st22-103"/><String HEIGHT="19" CONTENT="imf" WIDTH="25" HPOS="793" VPOS="371" ID="st22-104"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="818" VPOS="371" ID="st22-105"/><String HEIGHT="19" CONTENT="org/2017/07/19/imf" WIDTH="153" HPOS="827" VPOS="371" ID="st22-106"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="980" VPOS="371" ID="st22-107"/><String HEIGHT="19" CONTENT="support" WIDTH="60" HPOS="988" VPOS="371" ID="st22-108"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1048" VPOS="371" ID="st22-109"/><String HEIGHT="19" CONTENT="for" WIDTH="26" HPOS="1056" VPOS="371" ID="st22-110"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1082" VPOS="371" ID="st22-111"/><String HEIGHT="19" CONTENT="the" WIDTH="26" HPOS="1090" VPOS="371" ID="st22-112"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1116" VPOS="371" ID="st22-113"/><String HEIGHT="19" CONTENT="united" WIDTH="51" HPOS="1124" VPOS="371" ID="st22-114"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1175" VPOS="371" ID="st22-115"/><String HEIGHT="19" CONTENT="nations" WIDTH="59" HPOS="1184" VPOS="371" ID="st22-116"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1243" VPOS="371" ID="st22-117"/><String HEIGHT="19" CONTENT="sustainable" WIDTH="93" HPOS="1252" VPOS="371" ID="st22-118"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1345" VPOS="371" ID="st22-119"/><String HEIGHT="19" CONTENT="development" WIDTH="94" HPOS="1354" VPOS="371" ID="st22-120" SUBS_TYPE="HypPart1" SUBS_CONTENT="developmentgoals/"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="371" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="395" ID="tl22-6" WIDTH="54" HEIGHT="18"><String HEIGHT="18" CONTENT="goals/" WIDTH="46" HPOS="472" VPOS="395" ID="st22-121" SUBS_TYPE="HypPart2" SUBS_CONTENT="developmentgoals/"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="518" VPOS="395" ID="st22-122"/></TextLine><TextLine HPOS="472" VPOS="430" ID="tl22-7" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Fernandes" WIDTH="90" HPOS="472" VPOS="430" ID="st22-123"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="562" VPOS="430" ID="st22-124"/><SP/><String HEIGHT="18" CONTENT="D" WIDTH="10" HPOS="576" VPOS="430" ID="st22-125"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="586" VPOS="430" ID="st22-126"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="601" VPOS="430" ID="st22-127"/><String HEIGHT="18" CONTENT="2017" WIDTH="34" HPOS="609" VPOS="430" ID="st22-128"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="643" VPOS="430" ID="st22-129"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="651" VPOS="430" ID="st22-130"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="665" VPOS="430" ID="st22-131"/><String HEIGHT="18" CONTENT="Santander" WIDTH="86" HPOS="674" VPOS="430" ID="st22-132"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="18" HPOS="764" VPOS="430" ID="st22-133"/><SP/><String HEIGHT="18" CONTENT="pay" WIDTH="30" HPOS="786" VPOS="430" ID="st22-134"/><String HEIGHT="18" CONTENT="$" WIDTH="12" HPOS="820" VPOS="430" ID="st22-135"/><String HEIGHT="18" CONTENT="26m" WIDTH="37" HPOS="832" VPOS="430" ID="st22-136"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="874" VPOS="430" ID="st22-137"/><SP/><String HEIGHT="18" CONTENT="settle" WIDTH="44" HPOS="896" VPOS="430" ID="st22-138"/><SP/><String HEIGHT="18" CONTENT="subprime" WIDTH="76" HPOS="945" VPOS="430" ID="st22-139"/><SP/><String HEIGHT="18" CONTENT="auto" WIDTH="35" HPOS="1026" VPOS="430" ID="st22-140"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1061" VPOS="430" ID="st22-141"/><String HEIGHT="18" CONTENT="loan" WIDTH="36" HPOS="1070" VPOS="430" ID="st22-142"/><SP/><String HEIGHT="18" CONTENT="case" WIDTH="34" HPOS="1111" VPOS="430" ID="st22-143"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1145" VPOS="430" ID="st22-144"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1154" VPOS="430" ID="st22-145"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="1167" VPOS="430" ID="st22-146"/><SP/><String HEIGHT="18" CONTENT="Boston" WIDTH="57" HPOS="1202" VPOS="430" ID="st22-147"/><SP/><String HEIGHT="18" CONTENT="Globe" WIDTH="45" HPOS="1264" VPOS="430" ID="st22-148"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1309" VPOS="430" ID="st22-149"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="1324" VPOS="430" ID="st22-150"/><String HEIGHT="18" CONTENT="3" WIDTH="8" HPOS="1332" VPOS="430" ID="st22-151"/><SP/><String HEIGHT="18" CONTENT="March" WIDTH="52" HPOS="1345" VPOS="430" ID="st22-152"/><SP/><String HEIGHT="18" CONTENT="2017" WIDTH="36" HPOS="1402" VPOS="430" ID="st22-153"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="1438" VPOS="430" ID="st22-154"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="430" ID="st22-155"/></TextLine><TextLine HPOS="472" VPOS="453" ID="tl22-8" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="453" ID="st22-156"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="555" VPOS="453" ID="st22-157"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="569" VPOS="453" ID="st22-158"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="42" HPOS="583" VPOS="453" ID="st22-159"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="625" VPOS="453" ID="st22-160"/><String HEIGHT="18" CONTENT="//www" WIDTH="43" HPOS="634" VPOS="453" ID="st22-161"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="677" VPOS="453" ID="st22-162"/><String HEIGHT="18" CONTENT="bostonglobe" WIDTH="94" HPOS="685" VPOS="453" ID="st22-163"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="779" VPOS="453" ID="st22-164"/><String HEIGHT="18" CONTENT="com/business/2017/03/29/santander" WIDTH="282" HPOS="788" VPOS="453" ID="st22-165"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1070" VPOS="453" ID="st22-166"/><String HEIGHT="18" CONTENT="pay" WIDTH="26" HPOS="1079" VPOS="453" ID="st22-167"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1105" VPOS="453" ID="st22-168"/><String HEIGHT="18" CONTENT="million" WIDTH="60" HPOS="1113" VPOS="453" ID="st22-169"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1173" VPOS="453" ID="st22-170"/><String HEIGHT="18" CONTENT="settle" WIDTH="51" HPOS="1182" VPOS="453" ID="st22-171"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1233" VPOS="453" ID="st22-172"/><String HEIGHT="18" CONTENT="auto" WIDTH="34" HPOS="1242" VPOS="453" ID="st22-173"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1276" VPOS="453" ID="st22-174"/><String HEIGHT="18" CONTENT="loan" WIDTH="35" HPOS="1284" VPOS="453" ID="st22-175"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1319" VPOS="453" ID="st22-176"/><String HEIGHT="18" CONTENT="securitization" WIDTH="121" HPOS="1327" VPOS="453" ID="st22-177" SUBS_TYPE="HypPart1" SUBS_CONTENT="securitizationcase"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="453" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="476" ID="tl22-9" WIDTH="460" HEIGHT="19"><String HEIGHT="19" CONTENT="case" WIDTH="36" HPOS="472" VPOS="476" ID="st22-178" SUBS_TYPE="HypPart2" SUBS_CONTENT="securitizationcase"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="508" VPOS="476" ID="st22-179"/><String HEIGHT="19" CONTENT="healey" WIDTH="54" HPOS="517" VPOS="476" ID="st22-180"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="571" VPOS="476" ID="st22-181"/><String HEIGHT="19" CONTENT="says/cSdMsa6xp9J5FnPhKfddML/story" WIDTH="297" HPOS="580" VPOS="476" ID="st22-182"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="877" VPOS="476" ID="st22-183"/><String HEIGHT="19" CONTENT="html" WIDTH="36" HPOS="886" VPOS="476" ID="st22-184"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="922" VPOS="476" ID="st22-185"/></TextLine><TextLine HPOS="472" VPOS="512" ID="tl22-10" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Financial" WIDTH="80" HPOS="472" VPOS="512" ID="st22-186"/><SP/><String HEIGHT="18" CONTENT="Stability" WIDTH="76" HPOS="557" VPOS="512" ID="st22-187"/><SP/><String HEIGHT="18" CONTENT="Board" WIDTH="49" HPOS="638" VPOS="512" ID="st22-188"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="687" VPOS="512" ID="st22-189"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="703" VPOS="512" ID="st22-190"/><String HEIGHT="18" CONTENT="21" WIDTH="18" HPOS="712" VPOS="512" ID="st22-191"/><SP/><String HEIGHT="18" CONTENT="November" WIDTH="85" HPOS="735" VPOS="512" ID="st22-192"/><SP/><String HEIGHT="18" CONTENT="2017" WIDTH="36" HPOS="826" VPOS="512" ID="st22-193"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="862" VPOS="512" ID="st22-194"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="871" VPOS="512" ID="st22-195"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="885" VPOS="512" ID="st22-196"/><String HEIGHT="18" CONTENT="2017" WIDTH="44" HPOS="895" VPOS="512" ID="st22-197"/><SP/><String HEIGHT="18" CONTENT="list" WIDTH="22" HPOS="945" VPOS="512" ID="st22-198"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="973" VPOS="512" ID="st22-199"/><SP/><String HEIGHT="18" CONTENT="global" WIDTH="51" HPOS="995" VPOS="512" ID="st22-200"/><SP/><String HEIGHT="18" CONTENT="systemically" WIDTH="96" HPOS="1051" VPOS="512" ID="st22-201"/><SP/><String HEIGHT="18" CONTENT="important" WIDTH="82" HPOS="1153" VPOS="512" ID="st22-202"/><SP/><String HEIGHT="18" CONTENT="banks" WIDTH="49" HPOS="1240" VPOS="512" ID="st22-203"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="1294" VPOS="512" ID="st22-204"/><String HEIGHT="18" CONTENT="G" WIDTH="8" HPOS="1302" VPOS="512" ID="st22-205"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1310" VPOS="512" ID="st22-206"/><String HEIGHT="18" CONTENT="SIBs" WIDTH="32" HPOS="1318" VPOS="512" ID="st22-207"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="1350" VPOS="512" ID="st22-208"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="1358" VPOS="512" ID="st22-209"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1366" VPOS="512" ID="st22-210"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1379" VPOS="512" ID="st22-211"/></TextLine><TextLine HPOS="472" VPOS="535" ID="tl22-11" WIDTH="493" HEIGHT="18"><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="472" VPOS="535" ID="st22-212"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="486" VPOS="535" ID="st22-213"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="35" HPOS="499" VPOS="535" ID="st22-214"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="534" VPOS="535" ID="st22-215"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="543" VPOS="535" ID="st22-216"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="588" VPOS="535" ID="st22-217"/><String HEIGHT="18" CONTENT="fsb" WIDTH="27" HPOS="597" VPOS="535" ID="st22-218"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="624" VPOS="535" ID="st22-219"/><String HEIGHT="18" CONTENT="org/wp" WIDTH="54" HPOS="633" VPOS="535" ID="st22-220"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="687" VPOS="535" ID="st22-221"/><String HEIGHT="18" CONTENT="content/uploads/P211117" WIDTH="207" HPOS="696" VPOS="535" ID="st22-222"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="903" VPOS="535" ID="st22-223"/><String HEIGHT="18" CONTENT="1" WIDTH="9" HPOS="912" VPOS="535" ID="st22-224"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="921" VPOS="535" ID="st22-225"/><String HEIGHT="18" CONTENT="pdf" WIDTH="27" HPOS="930" VPOS="535" ID="st22-226"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="957" VPOS="535" ID="st22-227"/></TextLine><TextLine HPOS="472" VPOS="570" ID="tl22-12" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Foroohar" WIDTH="76" HPOS="472" VPOS="570" ID="st22-228"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="548" VPOS="570" ID="st22-229"/><SP/><String HEIGHT="18" CONTENT="R" WIDTH="9" HPOS="565" VPOS="570" ID="st22-230"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="574" VPOS="570" ID="st22-231"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="589" VPOS="570" ID="st22-232"/><String HEIGHT="18" CONTENT="28" WIDTH="18" HPOS="598" VPOS="570" ID="st22-233"/><SP/><String HEIGHT="18" CONTENT="September" WIDTH="90" HPOS="623" VPOS="570" ID="st22-234"/><SP/><String HEIGHT="18" CONTENT="2016" WIDTH="36" HPOS="720" VPOS="570" ID="st22-235"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="756" VPOS="570" ID="st22-236"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="765" VPOS="570" ID="st22-237"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="781" VPOS="570" ID="st22-238"/><String HEIGHT="18" CONTENT="Wells" WIDTH="45" HPOS="790" VPOS="570" ID="st22-239"/><SP/><String HEIGHT="18" CONTENT="Fargo" WIDTH="40" HPOS="842" VPOS="570" ID="st22-240"/><String HEIGHT="18" CONTENT="’" WIDTH="8" HPOS="882" VPOS="570" ID="st22-241"/><String HEIGHT="18" CONTENT="s" WIDTH="9" HPOS="890" VPOS="570" ID="st22-242"/><SP/><String HEIGHT="18" CONTENT="Scandal" WIDTH="64" HPOS="906" VPOS="570" ID="st22-243"/><SP/><String HEIGHT="18" CONTENT="Is" WIDTH="12" HPOS="977" VPOS="570" ID="st22-244"/><SP/><String HEIGHT="18" CONTENT="a" WIDTH="9" HPOS="996" VPOS="570" ID="st22-245"/><SP/><String HEIGHT="18" CONTENT="Harbinger" WIDTH="82" HPOS="1012" VPOS="570" ID="st22-246"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="1101" VPOS="570" ID="st22-247"/><SP/><String HEIGHT="18" CONTENT="Doom" WIDTH="44" HPOS="1125" VPOS="570" ID="st22-248"/><String HEIGHT="18" CONTENT="«" WIDTH="11" HPOS="1169" VPOS="570" ID="st22-249"/><String HEIGHT="18" CONTENT="." WIDTH="12" HPOS="1180" VPOS="570" ID="st22-250"/><SP/><String HEIGHT="18" CONTENT="Time" WIDTH="36" HPOS="1199" VPOS="570" ID="st22-251"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1235" VPOS="570" ID="st22-252"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1251" VPOS="570" ID="st22-253"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1335" VPOS="570" ID="st22-254"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1349" VPOS="570" ID="st22-255"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="31" HPOS="1363" VPOS="570" ID="st22-256"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1394" VPOS="570" ID="st22-257"/><String HEIGHT="18" CONTENT="//time" WIDTH="47" HPOS="1401" VPOS="570" ID="st22-258"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1448" VPOS="570" ID="st22-259"/></TextLine><TextLine HPOS="472" VPOS="593" ID="tl22-13" WIDTH="401" HEIGHT="19"><String HEIGHT="19" CONTENT="com/4512028/wells" WIDTH="151" HPOS="472" VPOS="593" ID="st22-260"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="623" VPOS="593" ID="st22-261"/><String HEIGHT="19" CONTENT="fargo" WIDTH="44" HPOS="632" VPOS="593" ID="st22-262"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="676" VPOS="593" ID="st22-263"/><String HEIGHT="19" CONTENT="john" WIDTH="36" HPOS="685" VPOS="593" ID="st22-264"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="721" VPOS="593" ID="st22-265"/><String HEIGHT="19" CONTENT="stumpf" WIDTH="53" HPOS="730" VPOS="593" ID="st22-266"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="783" VPOS="593" ID="st22-267"/><String HEIGHT="19" CONTENT="scandal/" WIDTH="72" HPOS="792" VPOS="593" ID="st22-268"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="864" VPOS="593" ID="st22-269"/></TextLine><TextLine HPOS="472" VPOS="628" ID="tl22-14" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Freeman" WIDTH="73" HPOS="472" VPOS="628" ID="st22-270"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="545" VPOS="628" ID="st22-271"/><SP/><String HEIGHT="19" CONTENT="R" WIDTH="8" HPOS="561" VPOS="628" ID="st22-272"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="569" VPOS="628" ID="st22-273"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="582" VPOS="628" ID="st22-274"/><String HEIGHT="19" CONTENT="2008" WIDTH="36" HPOS="591" VPOS="628" ID="st22-275"/><String HEIGHT="19" CONTENT=")" WIDTH="10" HPOS="627" VPOS="628" ID="st22-276"/><String HEIGHT="19" CONTENT="»" WIDTH="11" HPOS="641" VPOS="628" ID="st22-277"/><String HEIGHT="19" CONTENT="Do" WIDTH="24" HPOS="652" VPOS="628" ID="st22-278"/><SP/><String HEIGHT="19" CONTENT="workers" WIDTH="66" HPOS="680" VPOS="628" ID="st22-279"/><SP/><String HEIGHT="19" CONTENT="still" WIDTH="27" HPOS="751" VPOS="628" ID="st22-280"/><SP/><String HEIGHT="19" CONTENT="want" WIDTH="42" HPOS="783" VPOS="628" ID="st22-281"/><SP/><String HEIGHT="19" CONTENT="unions" WIDTH="55" HPOS="829" VPOS="628" ID="st22-282"/><String HEIGHT="19" CONTENT="?" WIDTH="10" HPOS="884" VPOS="628" ID="st22-283"/><SP/><String HEIGHT="19" CONTENT="More" WIDTH="44" HPOS="899" VPOS="628" ID="st22-284"/><SP/><String HEIGHT="19" CONTENT="Than" WIDTH="41" HPOS="948" VPOS="628" ID="st22-285"/><SP/><String HEIGHT="19" CONTENT="Ever" WIDTH="34" HPOS="994" VPOS="628" ID="st22-286"/><String HEIGHT="19" CONTENT="«" WIDTH="8" HPOS="1028" VPOS="628" ID="st22-287"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1036" VPOS="628" ID="st22-288"/><SP/><String HEIGHT="19" CONTENT="Economic" WIDTH="80" HPOS="1049" VPOS="628" ID="st22-289"/><SP/><String HEIGHT="19" CONTENT="Policy" WIDTH="46" HPOS="1134" VPOS="628" ID="st22-290"/><SP/><String HEIGHT="19" CONTENT="Institute" WIDTH="67" HPOS="1185" VPOS="628" ID="st22-291"/><SP/><String HEIGHT="19" CONTENT="Briefing" WIDTH="64" HPOS="1256" VPOS="628" ID="st22-292"/><SP/><String HEIGHT="19" CONTENT="Paper" WIDTH="41" HPOS="1325" VPOS="628" ID="st22-293"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1366" VPOS="628" ID="st22-294"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="76" HPOS="1380" VPOS="628" ID="st22-295"/></TextLine><TextLine HPOS="472" VPOS="652" ID="tl22-15" WIDTH="778" HEIGHT="18"><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="472" VPOS="652" ID="st22-296"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="486" VPOS="652" ID="st22-297"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="45" HPOS="499" VPOS="652" ID="st22-298"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="544" VPOS="652" ID="st22-299"/><String HEIGHT="18" CONTENT="//drive" WIDTH="63" HPOS="553" VPOS="652" ID="st22-300"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="616" VPOS="652" ID="st22-301"/><String HEIGHT="18" CONTENT="google" WIDTH="54" HPOS="625" VPOS="652" ID="st22-302"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="679" VPOS="652" ID="st22-303"/><String HEIGHT="18" CONTENT="com/file/d/1y2iVCRJOEoCdSLpKzwR44T15t" WIDTH="334" HPOS="689" VPOS="652" ID="st22-304"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1023" VPOS="652" ID="st22-305"/><String HEIGHT="18" CONTENT="SxJF7m/view" WIDTH="100" HPOS="1032" VPOS="652" ID="st22-306"/><String HEIGHT="18" CONTENT="?" WIDTH="9" HPOS="1132" VPOS="652" ID="st22-307"/><String HEIGHT="18" CONTENT="usp" WIDTH="27" HPOS="1141" VPOS="652" ID="st22-308"/><String HEIGHT="18" CONTENT="=" WIDTH="9" HPOS="1168" VPOS="652" ID="st22-309"/><String HEIGHT="18" CONTENT="sharing" WIDTH="63" HPOS="1177" VPOS="652" ID="st22-310"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1240" VPOS="652" ID="st22-311"/></TextLine><TextLine HPOS="472" VPOS="687" ID="tl22-16" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Gerding" WIDTH="68" HPOS="472" VPOS="687" ID="st22-312"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="540" VPOS="687" ID="st22-313"/><SP/><String HEIGHT="18" CONTENT="E" WIDTH="8" HPOS="559" VPOS="687" ID="st22-314"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="567" VPOS="687" ID="st22-315"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="584" VPOS="687" ID="st22-316"/><String HEIGHT="18" CONTENT="2011" WIDTH="34" HPOS="592" VPOS="687" ID="st22-317"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="626" VPOS="687" ID="st22-318"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="634" VPOS="687" ID="st22-319"/><String HEIGHT="18" CONTENT="»" WIDTH="8" HPOS="652" VPOS="687" ID="st22-320"/><String HEIGHT="18" CONTENT="Credit" WIDTH="52" HPOS="660" VPOS="687" ID="st22-321"/><SP/><String HEIGHT="18" CONTENT="Derivatives" WIDTH="86" HPOS="722" VPOS="687" ID="st22-322"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="808" VPOS="687" ID="st22-323"/><SP/><String HEIGHT="18" CONTENT="Leverage" WIDTH="69" HPOS="825" VPOS="687" ID="st22-324"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="894" VPOS="687" ID="st22-325"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="912" VPOS="687" ID="st22-326"/><SP/><String HEIGHT="18" CONTENT="Financial" WIDTH="71" HPOS="952" VPOS="687" ID="st22-327"/><SP/><String HEIGHT="18" CONTENT="Regulation" WIDTH="82" HPOS="1032" VPOS="687" ID="st22-328"/><String HEIGHT="18" CONTENT="’" WIDTH="8" HPOS="1114" VPOS="687" ID="st22-329"/><String HEIGHT="18" CONTENT="s" WIDTH="9" HPOS="1122" VPOS="687" ID="st22-330"/><SP/><String HEIGHT="18" CONTENT="Missing" WIDTH="63" HPOS="1140" VPOS="687" ID="st22-331"/><SP/><String HEIGHT="18" CONTENT="Macroeconomic" WIDTH="133" HPOS="1211" VPOS="687" ID="st22-332"/><SP/><String HEIGHT="18" CONTENT="Dimension" WIDTH="85" HPOS="1352" VPOS="687" ID="st22-333"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1437" VPOS="687" ID="st22-334"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1446" VPOS="687" ID="st22-335"/></TextLine><TextLine HPOS="472" VPOS="710" ID="tl22-17" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="710" ID="st22-336"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="561" VPOS="710" ID="st22-337"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="575" VPOS="710" ID="st22-338"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="43" HPOS="595" VPOS="710" ID="st22-339"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="638" VPOS="710" ID="st22-340"/><String HEIGHT="19" CONTENT="//www" WIDTH="43" HPOS="646" VPOS="710" ID="st22-341"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="689" VPOS="710" ID="st22-342"/><String HEIGHT="19" CONTENT="law" WIDTH="26" HPOS="698" VPOS="710" ID="st22-343"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="724" VPOS="710" ID="st22-344"/><String HEIGHT="19" CONTENT="berkeley" WIDTH="69" HPOS="732" VPOS="710" ID="st22-345"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="801" VPOS="710" ID="st22-346"/><String HEIGHT="19" CONTENT="edu/files/bclbe/Credit" WIDTH="189" HPOS="810" VPOS="710" ID="st22-347"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="999" VPOS="710" ID="st22-348"/><String HEIGHT="19" CONTENT="Derivatives" WIDTH="94" HPOS="1008" VPOS="710" ID="st22-349"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1102" VPOS="710" ID="st22-350"/><String HEIGHT="19" CONTENT="Leverage" WIDTH="69" HPOS="1111" VPOS="710" ID="st22-351"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1180" VPOS="710" ID="st22-352"/><String HEIGHT="19" CONTENT="and" WIDTH="25" HPOS="1189" VPOS="710" ID="st22-353"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1214" VPOS="710" ID="st22-354"/><String HEIGHT="19" CONTENT="Financial" WIDTH="78" HPOS="1223" VPOS="710" ID="st22-355"/><String HEIGHT="19" CONTENT="_" WIDTH="8" HPOS="1301" VPOS="710" ID="st22-356"/><String HEIGHT="19" CONTENT="Regulations" WIDTH="95" HPOS="1309" VPOS="710" ID="st22-357"/><String HEIGHT="19" CONTENT="_" WIDTH="8" HPOS="1404" VPOS="710" ID="st22-358"/><String HEIGHT="19" CONTENT="Miss" WIDTH="36" HPOS="1412" VPOS="710" ID="st22-359" SUBS_TYPE="HypPart1" SUBS_CONTENT="Missing"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="710" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="734" ID="tl22-18" WIDTH="304" HEIGHT="18"><String HEIGHT="18" CONTENT="ing" WIDTH="28" HPOS="472" VPOS="734" ID="st22-360" SUBS_TYPE="HypPart2" SUBS_CONTENT="Missing"/><String HEIGHT="18" CONTENT="_" WIDTH="10" HPOS="500" VPOS="734" ID="st22-361"/><String HEIGHT="18" CONTENT="Macroeconomic" WIDTH="123" HPOS="510" VPOS="734" ID="st22-362"/><String HEIGHT="18" CONTENT="_" WIDTH="10" HPOS="633" VPOS="734" ID="st22-363"/><String HEIGHT="18" CONTENT="Dimension" WIDTH="85" HPOS="643" VPOS="734" ID="st22-364"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="728" VPOS="734" ID="st22-365"/><String HEIGHT="18" CONTENT="pdf" WIDTH="28" HPOS="738" VPOS="734" ID="st22-366"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="766" VPOS="734" ID="st22-367"/></TextLine><TextLine HPOS="472" VPOS="769" ID="tl22-19" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Gillers" WIDTH="55" HPOS="472" VPOS="769" ID="st22-368"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="527" VPOS="769" ID="st22-369"/><SP/><String HEIGHT="18" CONTENT="H" WIDTH="8" HPOS="541" VPOS="769" ID="st22-370"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="549" VPOS="769" ID="st22-371"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="557" VPOS="769" ID="st22-372"/><SP/><String HEIGHT="18" CONTENT="Tergesen" WIDTH="77" HPOS="572" VPOS="769" ID="st22-373"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="649" VPOS="769" ID="st22-374"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="8" HPOS="665" VPOS="769" ID="st22-375"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="673" VPOS="769" ID="st22-376"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="681" VPOS="769" ID="st22-377"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="35" HPOS="696" VPOS="769" ID="st22-378"/><SP/><String HEIGHT="18" CONTENT="Scism" WIDTH="46" HPOS="737" VPOS="769" ID="st22-379"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="783" VPOS="769" ID="st22-380"/><SP/><String HEIGHT="18" CONTENT="L" WIDTH="8" HPOS="799" VPOS="769" ID="st22-381"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="807" VPOS="769" ID="st22-382"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="821" VPOS="769" ID="st22-383"/><String HEIGHT="18" CONTENT="22" WIDTH="18" HPOS="830" VPOS="769" ID="st22-384"/><SP/><String HEIGHT="18" CONTENT="June" WIDTH="38" HPOS="854" VPOS="769" ID="st22-385"/><SP/><String HEIGHT="18" CONTENT="2018" WIDTH="36" HPOS="898" VPOS="769" ID="st22-386"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="934" VPOS="769" ID="st22-387"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="943" VPOS="769" ID="st22-388"/><String HEIGHT="18" CONTENT="»" WIDTH="11" HPOS="959" VPOS="769" ID="st22-389"/><String HEIGHT="18" CONTENT="A" WIDTH="12" HPOS="970" VPOS="769" ID="st22-390"/><SP/><String HEIGHT="18" CONTENT="Generations" WIDTH="100" HPOS="989" VPOS="769" ID="st22-391"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="1096" VPOS="769" ID="st22-392"/><SP/><String HEIGHT="18" CONTENT="Americans" WIDTH="87" HPOS="1119" VPOS="769" ID="st22-393"/><SP/><String HEIGHT="18" CONTENT="Is" WIDTH="12" HPOS="1212" VPOS="769" ID="st22-394"/><SP/><String HEIGHT="18" CONTENT="Entering" WIDTH="69" HPOS="1230" VPOS="769" ID="st22-395"/><SP/><String HEIGHT="18" CONTENT="Old" WIDTH="30" HPOS="1305" VPOS="769" ID="st22-396"/><SP/><String HEIGHT="18" CONTENT="Age" WIDTH="33" HPOS="1341" VPOS="769" ID="st22-397"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1381" VPOS="769" ID="st22-398"/><SP/><String HEIGHT="18" CONTENT="Least" WIDTH="42" HPOS="1414" VPOS="769" ID="st22-399"/></TextLine><TextLine HPOS="472" VPOS="792" ID="tl22-20" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Prepared" WIDTH="73" HPOS="472" VPOS="792" ID="st22-400"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="550" VPOS="792" ID="st22-401"/><SP/><String HEIGHT="19" CONTENT="Decades" WIDTH="66" HPOS="570" VPOS="792" ID="st22-402"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="636" VPOS="792" ID="st22-403"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="645" VPOS="792" ID="st22-404"/><SP/><String HEIGHT="19" CONTENT="The" WIDTH="30" HPOS="660" VPOS="792" ID="st22-405"/><SP/><String HEIGHT="19" CONTENT="Wall" WIDTH="37" HPOS="695" VPOS="792" ID="st22-406"/><SP/><String HEIGHT="19" CONTENT="Street" WIDTH="49" HPOS="736" VPOS="792" ID="st22-407"/><SP/><String HEIGHT="19" CONTENT="Journal" WIDTH="56" HPOS="790" VPOS="792" ID="st22-408"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="846" VPOS="792" ID="st22-409"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="76" HPOS="860" VPOS="792" ID="st22-410"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="941" VPOS="792" ID="st22-411"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="955" VPOS="792" ID="st22-412"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="42" HPOS="968" VPOS="792" ID="st22-413"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1010" VPOS="792" ID="st22-414"/><String HEIGHT="19" CONTENT="//www" WIDTH="42" HPOS="1018" VPOS="792" ID="st22-415"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1060" VPOS="792" ID="st22-416"/><String HEIGHT="19" CONTENT="wsj" WIDTH="26" HPOS="1068" VPOS="792" ID="st22-417"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1094" VPOS="792" ID="st22-418"/><String HEIGHT="19" CONTENT="com/articles/a" WIDTH="118" HPOS="1102" VPOS="792" ID="st22-419"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1220" VPOS="792" ID="st22-420"/><String HEIGHT="19" CONTENT="generation" WIDTH="84" HPOS="1228" VPOS="792" ID="st22-421"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1312" VPOS="792" ID="st22-422"/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1321" VPOS="792" ID="st22-423"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1338" VPOS="792" ID="st22-424"/><String HEIGHT="19" CONTENT="americans" WIDTH="76" HPOS="1346" VPOS="792" ID="st22-425"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1422" VPOS="792" ID="st22-426"/><String HEIGHT="19" CONTENT="is" WIDTH="18" HPOS="1430" VPOS="792" ID="st22-427" SUBS_TYPE="HypPart1" SUBS_CONTENT="isentering"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="792" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="815" ID="tl22-21" WIDTH="511" HEIGHT="19"><String HEIGHT="19" CONTENT="entering" WIDTH="70" HPOS="472" VPOS="815" ID="st22-428" SUBS_TYPE="HypPart2" SUBS_CONTENT="isentering"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="542" VPOS="815" ID="st22-429"/><String HEIGHT="19" CONTENT="old" WIDTH="26" HPOS="551" VPOS="815" ID="st22-430"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="577" VPOS="815" ID="st22-431"/><String HEIGHT="19" CONTENT="age" WIDTH="26" HPOS="586" VPOS="815" ID="st22-432"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="612" VPOS="815" ID="st22-433"/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="621" VPOS="815" ID="st22-434"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="648" VPOS="815" ID="st22-435"/><String HEIGHT="19" CONTENT="least" WIDTH="44" HPOS="657" VPOS="815" ID="st22-436"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="701" VPOS="815" ID="st22-437"/><String HEIGHT="19" CONTENT="prepared" WIDTH="71" HPOS="709" VPOS="815" ID="st22-438"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="780" VPOS="815" ID="st22-439"/><String HEIGHT="19" CONTENT="in" WIDTH="17" HPOS="789" VPOS="815" ID="st22-440"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="806" VPOS="815" ID="st22-441"/><String HEIGHT="19" CONTENT="decades" WIDTH="62" HPOS="815" VPOS="815" ID="st22-442"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="877" VPOS="815" ID="st22-443"/><String HEIGHT="19" CONTENT="1529676033" WIDTH="88" HPOS="886" VPOS="815" ID="st22-444"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="974" VPOS="815" ID="st22-445"/></TextLine><TextLine HPOS="472" VPOS="851" ID="tl22-22" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Giogi" WIDTH="45" HPOS="472" VPOS="851" ID="st22-446"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="517" VPOS="851" ID="st22-447"/><SP/><String HEIGHT="18" CONTENT="G" WIDTH="8" HPOS="534" VPOS="851" ID="st22-448"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="542" VPOS="851" ID="st22-449"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="550" VPOS="851" ID="st22-450"/><SP/><String HEIGHT="18" CONTENT="Arcangeli" WIDTH="81" HPOS="566" VPOS="851" ID="st22-451"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="647" VPOS="851" ID="st22-452"/><SP/><String HEIGHT="18" CONTENT="G" WIDTH="8" HPOS="665" VPOS="851" ID="st22-453"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="673" VPOS="851" ID="st22-454"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="681" VPOS="851" ID="st22-455"/><SP/><String HEIGHT="18" CONTENT="Perminiene" WIDTH="98" HPOS="698" VPOS="851" ID="st22-456"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="796" VPOS="851" ID="st22-457"/><SP/><String HEIGHT="18" CONTENT="M" WIDTH="9" HPOS="813" VPOS="851" ID="st22-458"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="822" VPOS="851" ID="st22-459"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="832" VPOS="851" ID="st22-460"/><SP/><String HEIGHT="18" CONTENT="Lorini" WIDTH="48" HPOS="850" VPOS="851" ID="st22-461"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="898" VPOS="851" ID="st22-462"/><SP/><String HEIGHT="18" CONTENT="C" WIDTH="7" HPOS="915" VPOS="851" ID="st22-463"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="922" VPOS="851" ID="st22-464"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="930" VPOS="851" ID="st22-465"/><SP/><String HEIGHT="18" CONTENT="Ariza" WIDTH="49" HPOS="945" VPOS="851" ID="st22-466"/><String HEIGHT="18" CONTENT="-" WIDTH="10" HPOS="994" VPOS="851" ID="st22-467"/><String HEIGHT="18" CONTENT="Montes" WIDTH="60" HPOS="1004" VPOS="851" ID="st22-468"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="1064" VPOS="851" ID="st22-469"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="8" HPOS="1081" VPOS="851" ID="st22-470"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1089" VPOS="851" ID="st22-471"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="1097" VPOS="851" ID="st22-472"/><SP/><String HEIGHT="18" CONTENT="Fiz" WIDTH="25" HPOS="1114" VPOS="851" ID="st22-473"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1139" VPOS="851" ID="st22-474"/><String HEIGHT="18" CONTENT="Perez" WIDTH="43" HPOS="1148" VPOS="851" ID="st22-475"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="1191" VPOS="851" ID="st22-476"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="1207" VPOS="851" ID="st22-477"/><String HEIGHT="18" CONTENT="." WIDTH="6" HPOS="1213" VPOS="851" ID="st22-478"/><String HEIGHT="18" CONTENT="," WIDTH="7" HPOS="1219" VPOS="851" ID="st22-479"/><SP/><String HEIGHT="18" CONTENT="Di" WIDTH="20" HPOS="1233" VPOS="851" ID="st22-480"/><SP/><String HEIGHT="18" CONTENT="Fabio" WIDTH="46" HPOS="1260" VPOS="851" ID="st22-481"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="1306" VPOS="851" ID="st22-482"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="8" HPOS="1323" VPOS="851" ID="st22-483"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1331" VPOS="851" ID="st22-484"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="1339" VPOS="851" ID="st22-485"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="34" HPOS="1356" VPOS="851" ID="st22-486"/><SP/><String HEIGHT="18" CONTENT="Mucci" WIDTH="48" HPOS="1398" VPOS="851" ID="st22-487"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="1446" VPOS="851" ID="st22-488"/></TextLine><TextLine HPOS="472" VPOS="874" ID="tl22-23" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="N" WIDTH="9" HPOS="472" VPOS="874" ID="st22-489"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="481" VPOS="874" ID="st22-490"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="498" VPOS="874" ID="st22-491"/><String HEIGHT="18" CONTENT="2017" WIDTH="34" HPOS="506" VPOS="874" ID="st22-492"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="540" VPOS="874" ID="st22-493"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="549" VPOS="874" ID="st22-494"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="565" VPOS="874" ID="st22-495"/><String HEIGHT="18" CONTENT="Work" WIDTH="38" HPOS="574" VPOS="874" ID="st22-496"/><String HEIGHT="18" CONTENT="-" WIDTH="10" HPOS="612" VPOS="874" ID="st22-497"/><String HEIGHT="18" CONTENT="Related" WIDTH="67" HPOS="622" VPOS="874" ID="st22-498"/><SP/><String HEIGHT="18" CONTENT="Stress" WIDTH="47" HPOS="696" VPOS="874" ID="st22-499"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="750" VPOS="874" ID="st22-500"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="772" VPOS="874" ID="st22-501"/><SP/><String HEIGHT="18" CONTENT="Banking" WIDTH="67" HPOS="806" VPOS="874" ID="st22-502"/><SP/><String HEIGHT="18" CONTENT="Sector" WIDTH="48" HPOS="880" VPOS="874" ID="st22-503"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="928" VPOS="874" ID="st22-504"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="13" HPOS="944" VPOS="874" ID="st22-505"/><SP/><String HEIGHT="18" CONTENT="Review" WIDTH="59" HPOS="964" VPOS="874" ID="st22-506"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="1030" VPOS="874" ID="st22-507"/><SP/><String HEIGHT="18" CONTENT="Incidence" WIDTH="78" HPOS="1054" VPOS="874" ID="st22-508"/><SP/><String HEIGHT="18" CONTENT="Correlated" WIDTH="87" HPOS="1139" VPOS="874" ID="st22-509"/><SP/><String HEIGHT="18" CONTENT="Factors" WIDTH="56" HPOS="1233" VPOS="874" ID="st22-510"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="1289" VPOS="874" ID="st22-511"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1304" VPOS="874" ID="st22-512"/><SP/><String HEIGHT="18" CONTENT="Major" WIDTH="49" HPOS="1342" VPOS="874" ID="st22-513"/><SP/><String HEIGHT="18" CONTENT="Conse" WIDTH="49" HPOS="1398" VPOS="874" ID="st22-514" SUBS_TYPE="HypPart1" SUBS_CONTENT="Consequences"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="874" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="897" ID="tl22-24" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="quences" WIDTH="65" HPOS="472" VPOS="897" ID="st22-515" SUBS_TYPE="HypPart2" SUBS_CONTENT="Consequences"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="537" VPOS="897" ID="st22-516"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="546" VPOS="897" ID="st22-517"/><SP/><String HEIGHT="19" CONTENT="Frontiers" WIDTH="71" HPOS="564" VPOS="897" ID="st22-518"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="643" VPOS="897" ID="st22-519"/><SP/><String HEIGHT="19" CONTENT="Psychology" WIDTH="86" HPOS="666" VPOS="897" ID="st22-520"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="752" VPOS="897" ID="st22-521"/><SP/><String HEIGHT="19" CONTENT="December" WIDTH="85" HPOS="768" VPOS="897" ID="st22-522"/><SP/><String HEIGHT="19" CONTENT="2017" WIDTH="43" HPOS="861" VPOS="897" ID="st22-523"/><String HEIGHT="19" CONTENT="|" WIDTH="4" HPOS="912" VPOS="897" ID="st22-524"/><SP/><String HEIGHT="19" CONTENT="Vol" WIDTH="23" HPOS="924" VPOS="897" ID="st22-525"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="947" VPOS="897" ID="st22-526"/><SP/><String HEIGHT="19" CONTENT="8" WIDTH="11" HPOS="963" VPOS="897" ID="st22-527"/><String HEIGHT="19" CONTENT="|" WIDTH="4" HPOS="982" VPOS="897" ID="st22-528"/><SP/><String HEIGHT="19" CONTENT="Article" WIDTH="53" HPOS="994" VPOS="897" ID="st22-529"/><SP/><String HEIGHT="19" CONTENT="2166" WIDTH="38" HPOS="1055" VPOS="897" ID="st22-530"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1093" VPOS="897" ID="st22-531"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="1111" VPOS="897" ID="st22-532"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1196" VPOS="897" ID="st22-533"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="1210" VPOS="897" ID="st22-534"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="41" HPOS="1225" VPOS="897" ID="st22-535"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1266" VPOS="897" ID="st22-536"/><String HEIGHT="19" CONTENT="//www" WIDTH="41" HPOS="1274" VPOS="897" ID="st22-537"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1315" VPOS="897" ID="st22-538"/><String HEIGHT="19" CONTENT="frontiersin" WIDTH="90" HPOS="1324" VPOS="897" ID="st22-539"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1414" VPOS="897" ID="st22-540"/><String HEIGHT="19" CONTENT="org" WIDTH="24" HPOS="1423" VPOS="897" ID="st22-541"/><String HEIGHT="19" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="897" ID="st22-542"/></TextLine><TextLine HPOS="472" VPOS="921" ID="tl22-25" WIDTH="327" HEIGHT="18"><String HEIGHT="18" CONTENT="articles/10" WIDTH="92" HPOS="472" VPOS="921" ID="st22-543"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="564" VPOS="921" ID="st22-544"/><String HEIGHT="18" CONTENT="3389/fpsyg" WIDTH="84" HPOS="572" VPOS="921" ID="st22-545"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="656" VPOS="921" ID="st22-546"/><String HEIGHT="18" CONTENT="2017" WIDTH="34" HPOS="664" VPOS="921" ID="st22-547"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="698" VPOS="921" ID="st22-548"/><String HEIGHT="18" CONTENT="02166/full" WIDTH="84" HPOS="706" VPOS="921" ID="st22-549"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="790" VPOS="921" ID="st22-550"/></TextLine><TextLine HPOS="472" VPOS="956" ID="tl22-26" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Glazer" WIDTH="53" HPOS="472" VPOS="956" ID="st22-551"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="525" VPOS="956" ID="st22-552"/><SP/><String HEIGHT="18" CONTENT="E" WIDTH="8" HPOS="538" VPOS="956" ID="st22-553"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="546" VPOS="956" ID="st22-554"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="558" VPOS="956" ID="st22-555"/><String HEIGHT="18" CONTENT="18" WIDTH="18" HPOS="567" VPOS="956" ID="st22-556"/><SP/><String HEIGHT="18" CONTENT="June" WIDTH="38" HPOS="589" VPOS="956" ID="st22-557"/><SP/><String HEIGHT="18" CONTENT="2018" WIDTH="36" HPOS="631" VPOS="956" ID="st22-558"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="667" VPOS="956" ID="st22-559"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="676" VPOS="956" ID="st22-560"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="689" VPOS="956" ID="st22-561"/><String HEIGHT="18" CONTENT="Wells" WIDTH="46" HPOS="698" VPOS="956" ID="st22-562"/><SP/><String HEIGHT="18" CONTENT="Fargo" WIDTH="46" HPOS="748" VPOS="956" ID="st22-563"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="798" VPOS="956" ID="st22-564"/><SP/><String HEIGHT="18" CONTENT="Restructure" WIDTH="93" HPOS="820" VPOS="956" ID="st22-565"/><SP/><String HEIGHT="18" CONTENT="Wealth" WIDTH="59" HPOS="917" VPOS="956" ID="st22-566"/><SP/><String HEIGHT="18" CONTENT="Management" WIDTH="111" HPOS="980" VPOS="956" ID="st22-567"/><SP/><String HEIGHT="18" CONTENT="Business" WIDTH="68" HPOS="1095" VPOS="956" ID="st22-568"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="1163" VPOS="956" ID="st22-569"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1171" VPOS="956" ID="st22-570"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="1184" VPOS="956" ID="st22-571"/><SP/><String HEIGHT="18" CONTENT="Wall" WIDTH="37" HPOS="1218" VPOS="956" ID="st22-572"/><SP/><String HEIGHT="18" CONTENT="Street" WIDTH="48" HPOS="1259" VPOS="956" ID="st22-573"/><SP/><String HEIGHT="18" CONTENT="Journal" WIDTH="56" HPOS="1311" VPOS="956" ID="st22-574"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1367" VPOS="956" ID="st22-575"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="1380" VPOS="956" ID="st22-576"/></TextLine><TextLine HPOS="472" VPOS="979" ID="tl22-27" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="472" VPOS="979" ID="st22-577"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="486" VPOS="979" ID="st22-578"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="44" HPOS="498" VPOS="979" ID="st22-579"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="542" VPOS="979" ID="st22-580"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="551" VPOS="979" ID="st22-581"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="596" VPOS="979" ID="st22-582"/><String HEIGHT="18" CONTENT="wsj" WIDTH="27" HPOS="605" VPOS="979" ID="st22-583"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="632" VPOS="979" ID="st22-584"/><String HEIGHT="18" CONTENT="com/articles/wells" WIDTH="161" HPOS="641" VPOS="979" ID="st22-585"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="802" VPOS="979" ID="st22-586"/><String HEIGHT="18" CONTENT="fargo" WIDTH="45" HPOS="811" VPOS="979" ID="st22-587"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="856" VPOS="979" ID="st22-588"/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="865" VPOS="979" ID="st22-589"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="882" VPOS="979" ID="st22-590"/><String HEIGHT="18" CONTENT="restructure" WIDTH="99" HPOS="891" VPOS="979" ID="st22-591"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="990" VPOS="979" ID="st22-592"/><String HEIGHT="18" CONTENT="wealth" WIDTH="54" HPOS="999" VPOS="979" ID="st22-593"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1053" VPOS="979" ID="st22-594"/><String HEIGHT="18" CONTENT="management" WIDTH="89" HPOS="1062" VPOS="979" ID="st22-595"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1151" VPOS="979" ID="st22-596"/><String HEIGHT="18" CONTENT="business" WIDTH="72" HPOS="1160" VPOS="979" ID="st22-597"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1232" VPOS="979" ID="st22-598"/><String HEIGHT="18" CONTENT="1529357145" WIDTH="89" HPOS="1241" VPOS="979" ID="st22-599"/><String HEIGHT="18" CONTENT="?" WIDTH="9" HPOS="1330" VPOS="979" ID="st22-600"/><String HEIGHT="18" CONTENT="mod" WIDTH="27" HPOS="1339" VPOS="979" ID="st22-601"/><String HEIGHT="18" CONTENT="=" WIDTH="9" HPOS="1366" VPOS="979" ID="st22-602"/><String HEIGHT="18" CONTENT="searchres" WIDTH="81" HPOS="1375" VPOS="979" ID="st22-603"/></TextLine><TextLine HPOS="472" VPOS="1002" ID="tl22-28" WIDTH="176" HEIGHT="19"><String HEIGHT="19" CONTENT="ults" WIDTH="39" HPOS="472" VPOS="1002" ID="st22-604"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="9" HPOS="511" VPOS="1002" ID="st22-605"/><String HEIGHT="19" CONTENT="page" WIDTH="40" HPOS="520" VPOS="1002" ID="st22-606"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="560" VPOS="1002" ID="st22-607"/><String HEIGHT="19" CONTENT="1" WIDTH="10" HPOS="569" VPOS="1002" ID="st22-608"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="10" HPOS="579" VPOS="1002" ID="st22-609"/><String HEIGHT="19" CONTENT="pos" WIDTH="29" HPOS="589" VPOS="1002" ID="st22-610"/><String HEIGHT="19" CONTENT="=" WIDTH="10" HPOS="618" VPOS="1002" ID="st22-611"/><String HEIGHT="19" CONTENT="2" WIDTH="10" HPOS="628" VPOS="1002" ID="st22-612"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="638" VPOS="1002" ID="st22-613"/></TextLine><TextLine HPOS="472" VPOS="1038" ID="tl22-29" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Greenberger" WIDTH="109" HPOS="472" VPOS="1038" ID="st22-614"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="581" VPOS="1038" ID="st22-615"/><SP/><String HEIGHT="18" CONTENT="M" WIDTH="12" HPOS="595" VPOS="1038" ID="st22-616"/><String HEIGHT="18" CONTENT="." WIDTH="12" HPOS="607" VPOS="1038" ID="st22-617"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="623" VPOS="1038" ID="st22-618"/><String HEIGHT="18" CONTENT="2018" WIDTH="34" HPOS="631" VPOS="1038" ID="st22-619"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="665" VPOS="1038" ID="st22-620"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="674" VPOS="1038" ID="st22-621"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="687" VPOS="1038" ID="st22-622"/><String HEIGHT="18" CONTENT="Too" WIDTH="30" HPOS="697" VPOS="1038" ID="st22-623"/><SP/><String HEIGHT="18" CONTENT="Big" WIDTH="26" HPOS="732" VPOS="1038" ID="st22-624"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="762" VPOS="1038" ID="st22-625"/><SP/><String HEIGHT="18" CONTENT="Fail" WIDTH="27" HPOS="784" VPOS="1038" ID="st22-626"/><SP/><String HEIGHT="18" CONTENT="U" WIDTH="8" HPOS="815" VPOS="1038" ID="st22-627"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="823" VPOS="1038" ID="st22-628"/><String HEIGHT="18" CONTENT="S" WIDTH="8" HPOS="832" VPOS="1038" ID="st22-629"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="840" VPOS="1038" ID="st22-630"/><SP/><String HEIGHT="18" CONTENT="Banks" WIDTH="45" HPOS="853" VPOS="1038" ID="st22-631"/><String HEIGHT="18" CONTENT="’" WIDTH="9" HPOS="898" VPOS="1038" ID="st22-632"/><SP/><String HEIGHT="18" CONTENT="Regulatory" WIDTH="88" HPOS="912" VPOS="1038" ID="st22-633"/><SP/><String HEIGHT="18" CONTENT="Alchemy" WIDTH="66" HPOS="1005" VPOS="1038" ID="st22-634"/><String HEIGHT="18" CONTENT=":" WIDTH="10" HPOS="1071" VPOS="1038" ID="st22-635"/><SP/><String HEIGHT="18" CONTENT="Converting" WIDTH="91" HPOS="1086" VPOS="1038" ID="st22-636"/><SP/><String HEIGHT="18" CONTENT="an" WIDTH="20" HPOS="1182" VPOS="1038" ID="st22-637"/><SP/><String HEIGHT="18" CONTENT="Obscure" WIDTH="68" HPOS="1207" VPOS="1038" ID="st22-638"/><SP/><String HEIGHT="18" CONTENT="Agency" WIDTH="61" HPOS="1279" VPOS="1038" ID="st22-639"/><SP/><String HEIGHT="18" CONTENT="Footnote" WIDTH="74" HPOS="1345" VPOS="1038" ID="st22-640"/><SP/><String HEIGHT="18" CONTENT="into" WIDTH="32" HPOS="1424" VPOS="1038" ID="st22-641"/></TextLine><TextLine HPOS="472" VPOS="1061" ID="tl22-30" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="an" WIDTH="20" HPOS="472" VPOS="1061" ID="st22-642"/><SP/><String HEIGHT="18" CONTENT="›At" WIDTH="25" HPOS="498" VPOS="1061" ID="st22-643"/><SP/><String HEIGHT="18" CONTENT="Will‹ " WIDTH="43" HPOS="529" VPOS="1061" ID="st22-644"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="572" VPOS="1061" ID="st22-645"/><SP/><String HEIGHT="18" CONTENT="Nullification" WIDTH="98" HPOS="586" VPOS="1061" ID="st22-646"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="690" VPOS="1061" ID="st22-647"/><SP/><String HEIGHT="18" CONTENT="Dodd" WIDTH="36" HPOS="713" VPOS="1061" ID="st22-648"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="749" VPOS="1061" ID="st22-649"/><String HEIGHT="18" CONTENT="Frank" WIDTH="45" HPOS="758" VPOS="1061" ID="st22-650"/><String HEIGHT="18" CONTENT="’" WIDTH="9" HPOS="803" VPOS="1061" ID="st22-651"/><String HEIGHT="18" CONTENT="s" WIDTH="9" HPOS="812" VPOS="1061" ID="st22-652"/><SP/><String HEIGHT="18" CONTENT="Regulation" WIDTH="89" HPOS="827" VPOS="1061" ID="st22-653"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="922" VPOS="1061" ID="st22-654"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="945" VPOS="1061" ID="st22-655"/><SP/><String HEIGHT="18" CONTENT="Multitrillion" WIDTH="95" HPOS="978" VPOS="1061" ID="st22-656"/><SP/><String HEIGHT="18" CONTENT="Dollar" WIDTH="49" HPOS="1079" VPOS="1061" ID="st22-657"/><SP/><String HEIGHT="18" CONTENT="Financial" WIDTH="71" HPOS="1134" VPOS="1061" ID="st22-658"/><SP/><String HEIGHT="18" CONTENT="Swaps" WIDTH="53" HPOS="1211" VPOS="1061" ID="st22-659"/><SP/><String HEIGHT="18" CONTENT="Market" WIDTH="57" HPOS="1270" VPOS="1061" ID="st22-660"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1327" VPOS="1061" ID="st22-661"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1336" VPOS="1061" ID="st22-662"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1352" VPOS="1061" ID="st22-663"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1435" VPOS="1061" ID="st22-664"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1449" VPOS="1061" ID="st22-665"/></TextLine><TextLine HPOS="472" VPOS="1084" ID="tl22-31" WIDTH="495" HEIGHT="19"><String HEIGHT="19" CONTENT="https" WIDTH="45" HPOS="472" VPOS="1084" ID="st22-666"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="517" VPOS="1084" ID="st22-667"/><String HEIGHT="19" CONTENT="//www" WIDTH="45" HPOS="526" VPOS="1084" ID="st22-668"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="571" VPOS="1084" ID="st22-669"/><String HEIGHT="19" CONTENT="ineteconomics" WIDTH="117" HPOS="580" VPOS="1084" ID="st22-670"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="697" VPOS="1084" ID="st22-671"/><String HEIGHT="19" CONTENT="org/uploads/papers/WP" WIDTH="189" HPOS="706" VPOS="1084" ID="st22-672"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="895" VPOS="1084" ID="st22-673"/><String HEIGHT="19" CONTENT="74" WIDTH="18" HPOS="904" VPOS="1084" ID="st22-674"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="922" VPOS="1084" ID="st22-675"/><String HEIGHT="19" CONTENT="pdf" WIDTH="27" HPOS="931" VPOS="1084" ID="st22-676"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="958" VPOS="1084" ID="st22-677"/></TextLine><TextLine HPOS="472" VPOS="1119" ID="tl22-32" WIDTH="947" HEIGHT="19"><String HEIGHT="19" CONTENT="Hans" WIDTH="38" HPOS="472" VPOS="1119" ID="st22-678"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="510" VPOS="1119" ID="st22-679"/><String HEIGHT="19" CONTENT="Böckler" WIDTH="77" HPOS="519" VPOS="1119" ID="st22-680"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="596" VPOS="1119" ID="st22-681"/><String HEIGHT="19" CONTENT="Foundation" WIDTH="96" HPOS="605" VPOS="1119" ID="st22-682"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="706" VPOS="1119" ID="st22-683"/><String HEIGHT="19" CONTENT="2018" WIDTH="34" HPOS="714" VPOS="1119" ID="st22-684"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="748" VPOS="1119" ID="st22-685"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="757" VPOS="1119" ID="st22-686"/><String HEIGHT="19" CONTENT="»" WIDTH="12" HPOS="771" VPOS="1119" ID="st22-687"/><String HEIGHT="19" CONTENT="Why" WIDTH="37" HPOS="783" VPOS="1119" ID="st22-688"/><SP/><String HEIGHT="19" CONTENT="Co" WIDTH="18" HPOS="825" VPOS="1119" ID="st22-689"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="843" VPOS="1119" ID="st22-690"/><String HEIGHT="19" CONTENT="determination" WIDTH="118" HPOS="852" VPOS="1119" ID="st22-691"/><String HEIGHT="19" CONTENT="?" WIDTH="9" HPOS="970" VPOS="1119" ID="st22-692"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="979" VPOS="1119" ID="st22-693"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="988" VPOS="1119" ID="st22-694"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="76" HPOS="1004" VPOS="1119" ID="st22-695"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1086" VPOS="1119" ID="st22-696"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="1100" VPOS="1119" ID="st22-697"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="45" HPOS="1113" VPOS="1119" ID="st22-698"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1158" VPOS="1119" ID="st22-699"/><String HEIGHT="19" CONTENT="//www" WIDTH="45" HPOS="1167" VPOS="1119" ID="st22-700"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1212" VPOS="1119" ID="st22-701"/><String HEIGHT="19" CONTENT="boeckler" WIDTH="72" HPOS="1221" VPOS="1119" ID="st22-702"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1293" VPOS="1119" ID="st22-703"/><String HEIGHT="19" CONTENT="de/38559" WIDTH="72" HPOS="1302" VPOS="1119" ID="st22-704"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1374" VPOS="1119" ID="st22-705"/><String HEIGHT="19" CONTENT="htm" WIDTH="27" HPOS="1383" VPOS="1119" ID="st22-706"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1410" VPOS="1119" ID="st22-707"/></TextLine><TextLine HPOS="472" VPOS="1154" ID="tl22-33" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Hassel" WIDTH="54" HPOS="472" VPOS="1154" ID="st22-708"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="526" VPOS="1154" ID="st22-709"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="8" HPOS="542" VPOS="1154" ID="st22-710"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="550" VPOS="1154" ID="st22-711"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="558" VPOS="1154" ID="st22-712"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="573" VPOS="1154" ID="st22-713"/><SP/><String HEIGHT="19" CONTENT="Helmerich" WIDTH="88" HPOS="613" VPOS="1154" ID="st22-714"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="701" VPOS="1154" ID="st22-715"/><SP/><String HEIGHT="19" CONTENT="N" WIDTH="9" HPOS="717" VPOS="1154" ID="st22-716"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="726" VPOS="1154" ID="st22-717"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="742" VPOS="1154" ID="st22-718"/><String HEIGHT="19" CONTENT="2017" WIDTH="34" HPOS="750" VPOS="1154" ID="st22-719"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="784" VPOS="1154" ID="st22-720"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="793" VPOS="1154" ID="st22-721"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="808" VPOS="1154" ID="st22-722"/><String HEIGHT="19" CONTENT="Workers" WIDTH="66" HPOS="817" VPOS="1154" ID="st22-723"/><String HEIGHT="19" CONTENT="’" WIDTH="10" HPOS="883" VPOS="1154" ID="st22-724"/><SP/><String HEIGHT="19" CONTENT="Voice" WIDTH="44" HPOS="899" VPOS="1154" ID="st22-725"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="949" VPOS="1154" ID="st22-726"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="970" VPOS="1154" ID="st22-727"/><SP/><String HEIGHT="19" CONTENT="100" WIDTH="33" HPOS="1003" VPOS="1154" ID="st22-728"/><SP/><String HEIGHT="19" CONTENT="Largest" WIDTH="59" HPOS="1042" VPOS="1154" ID="st22-729"/><SP/><String HEIGHT="19" CONTENT="European" WIDTH="79" HPOS="1107" VPOS="1154" ID="st22-730"/><SP/><String HEIGHT="19" CONTENT="Companies" WIDTH="89" HPOS="1192" VPOS="1154" ID="st22-731"/><String HEIGHT="19" CONTENT="«" WIDTH="10" HPOS="1281" VPOS="1154" ID="st22-732"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1291" VPOS="1154" ID="st22-733"/><SP/><String HEIGHT="19" CONTENT="MBF" WIDTH="29" HPOS="1307" VPOS="1154" ID="st22-734"/><String HEIGHT="19" CONTENT="-" WIDTH="10" HPOS="1336" VPOS="1154" ID="st22-735"/><String HEIGHT="19" CONTENT="Report" WIDTH="59" HPOS="1346" VPOS="1154" ID="st22-736"/><SP/><String HEIGHT="19" CONTENT="Nr" WIDTH="17" HPOS="1412" VPOS="1154" ID="st22-737"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1429" VPOS="1154" ID="st22-738"/><String HEIGHT="19" CONTENT="31" WIDTH="18" HPOS="1438" VPOS="1154" ID="st22-739"/></TextLine><TextLine HPOS="472" VPOS="1178" ID="tl22-34" WIDTH="697" HEIGHT="18"><String HEIGHT="18" CONTENT="(" WIDTH="7" HPOS="472" VPOS="1178" ID="st22-740"/><String HEIGHT="18" CONTENT="April" WIDTH="37" HPOS="479" VPOS="1178" ID="st22-741"/><SP/><String HEIGHT="18" CONTENT="2017" WIDTH="36" HPOS="522" VPOS="1178" ID="st22-742"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="558" VPOS="1178" ID="st22-743"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="567" VPOS="1178" ID="st22-744"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="581" VPOS="1178" ID="st22-745"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="663" VPOS="1178" ID="st22-746"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="677" VPOS="1178" ID="st22-747"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="45" HPOS="690" VPOS="1178" ID="st22-748"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="735" VPOS="1178" ID="st22-749"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="744" VPOS="1178" ID="st22-750"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="789" VPOS="1178" ID="st22-751"/><String HEIGHT="18" CONTENT="boeckler" WIDTH="72" HPOS="798" VPOS="1178" ID="st22-752"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="870" VPOS="1178" ID="st22-753"/><String HEIGHT="18" CONTENT="de/pdf/p" WIDTH="73" HPOS="879" VPOS="1178" ID="st22-754"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="952" VPOS="1178" ID="st22-755"/><String HEIGHT="18" CONTENT="mbf" WIDTH="27" HPOS="961" VPOS="1178" ID="st22-756"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="988" VPOS="1178" ID="st22-757"/><String HEIGHT="18" CONTENT="report" WIDTH="54" HPOS="997" VPOS="1178" ID="st22-758"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="1051" VPOS="1178" ID="st22-759"/><String HEIGHT="18" CONTENT="2017" WIDTH="36" HPOS="1060" VPOS="1178" ID="st22-760"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="1096" VPOS="1178" ID="st22-761"/><String HEIGHT="18" CONTENT="31" WIDTH="18" HPOS="1105" VPOS="1178" ID="st22-762"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1123" VPOS="1178" ID="st22-763"/><String HEIGHT="18" CONTENT="pdf" WIDTH="27" HPOS="1132" VPOS="1178" ID="st22-764"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1159" VPOS="1178" ID="st22-765"/></TextLine><TextLine HPOS="472" VPOS="1213" ID="tl22-35" WIDTH="983" HEIGHT="18"><String HEIGHT="18" CONTENT="Heltman" WIDTH="72" HPOS="472" VPOS="1213" ID="st22-766"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="544" VPOS="1213" ID="st22-767"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="560" VPOS="1213" ID="st22-768"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="566" VPOS="1213" ID="st22-769"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="579" VPOS="1213" ID="st22-770"/><String HEIGHT="18" CONTENT="26" WIDTH="18" HPOS="588" VPOS="1213" ID="st22-771"/><SP/><String HEIGHT="18" CONTENT="March" WIDTH="53" HPOS="611" VPOS="1213" ID="st22-772"/><SP/><String HEIGHT="18" CONTENT="2018" WIDTH="36" HPOS="669" VPOS="1213" ID="st22-773"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="705" VPOS="1213" ID="st22-774"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="714" VPOS="1213" ID="st22-775"/><String HEIGHT="18" CONTENT="»" WIDTH="8" HPOS="728" VPOS="1213" ID="st22-776"/><String HEIGHT="18" CONTENT="Eliminate" WIDTH="79" HPOS="736" VPOS="1213" ID="st22-777"/><SP/><String HEIGHT="18" CONTENT="incentives" WIDTH="81" HPOS="820" VPOS="1213" ID="st22-778"/><SP/><String HEIGHT="18" CONTENT="that" WIDTH="34" HPOS="906" VPOS="1213" ID="st22-779"/><SP/><String HEIGHT="18" CONTENT="encourage" WIDTH="88" HPOS="945" VPOS="1213" ID="st22-780"/><SP/><String HEIGHT="18" CONTENT="bad" WIDTH="31" HPOS="1038" VPOS="1213" ID="st22-781"/><SP/><String HEIGHT="18" CONTENT="behavior" WIDTH="68" HPOS="1075" VPOS="1213" ID="st22-782"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1143" VPOS="1213" ID="st22-783"/><SP/><String HEIGHT="18" CONTENT="NY" WIDTH="25" HPOS="1157" VPOS="1213" ID="st22-784"/><SP/><String HEIGHT="18" CONTENT="Fed" WIDTH="24" HPOS="1187" VPOS="1213" ID="st22-785"/><String HEIGHT="18" CONTENT="’" WIDTH="8" HPOS="1211" VPOS="1213" ID="st22-786"/><String HEIGHT="18" CONTENT="s" WIDTH="8" HPOS="1219" VPOS="1213" ID="st22-787"/><SP/><String HEIGHT="18" CONTENT="Dudley" WIDTH="55" HPOS="1232" VPOS="1213" ID="st22-788"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1287" VPOS="1213" ID="st22-789"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1296" VPOS="1213" ID="st22-790"/><SP/><String HEIGHT="18" CONTENT="American" WIDTH="79" HPOS="1311" VPOS="1213" ID="st22-791"/><SP/><String HEIGHT="18" CONTENT="Banker" WIDTH="52" HPOS="1395" VPOS="1213" ID="st22-792"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1447" VPOS="1213" ID="st22-793"/></TextLine><TextLine HPOS="472" VPOS="1236" ID="tl22-36" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="1236" ID="st22-794"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="553" VPOS="1236" ID="st22-795"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="567" VPOS="1236" ID="st22-796"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="43" HPOS="579" VPOS="1236" ID="st22-797"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="622" VPOS="1236" ID="st22-798"/><String HEIGHT="19" CONTENT="//www" WIDTH="44" HPOS="631" VPOS="1236" ID="st22-799"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="675" VPOS="1236" ID="st22-800"/><String HEIGHT="19" CONTENT="americanbanker" WIDTH="123" HPOS="684" VPOS="1236" ID="st22-801"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="807" VPOS="1236" ID="st22-802"/><String HEIGHT="19" CONTENT="com/news/eliminate" WIDTH="158" HPOS="815" VPOS="1236" ID="st22-803"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="973" VPOS="1236" ID="st22-804"/><String HEIGHT="19" CONTENT="incentives" WIDTH="88" HPOS="982" VPOS="1236" ID="st22-805"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1070" VPOS="1236" ID="st22-806"/><String HEIGHT="19" CONTENT="that" WIDTH="35" HPOS="1078" VPOS="1236" ID="st22-807"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1113" VPOS="1236" ID="st22-808"/><String HEIGHT="19" CONTENT="encourage" WIDTH="79" HPOS="1122" VPOS="1236" ID="st22-809"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1201" VPOS="1236" ID="st22-810"/><String HEIGHT="19" CONTENT="bad" WIDTH="26" HPOS="1210" VPOS="1236" ID="st22-811"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1236" VPOS="1236" ID="st22-812"/><String HEIGHT="19" CONTENT="behavior" WIDTH="70" HPOS="1245" VPOS="1236" ID="st22-813"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1315" VPOS="1236" ID="st22-814"/><String HEIGHT="19" CONTENT="ny" WIDTH="17" HPOS="1324" VPOS="1236" ID="st22-815"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1341" VPOS="1236" ID="st22-816"/><String HEIGHT="19" CONTENT="feds" WIDTH="35" HPOS="1350" VPOS="1236" ID="st22-817"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1385" VPOS="1236" ID="st22-818"/><String HEIGHT="19" CONTENT="dudley" WIDTH="53" HPOS="1394" VPOS="1236" ID="st22-819"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1236" ID="st22-820"/></TextLine><TextLine HPOS="472" VPOS="1271" ID="tl22-37" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Horvathova" WIDTH="102" HPOS="472" VPOS="1271" ID="st22-821"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="574" VPOS="1271" ID="st22-822"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="10" HPOS="590" VPOS="1271" ID="st22-823"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="600" VPOS="1271" ID="st22-824"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="614" VPOS="1271" ID="st22-825"/><String HEIGHT="19" CONTENT="Nordic" WIDTH="56" HPOS="623" VPOS="1271" ID="st22-826"/><SP/><String HEIGHT="19" CONTENT="Implementation" WIDTH="130" HPOS="684" VPOS="1271" ID="st22-827"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="819" VPOS="1271" ID="st22-828"/><SP/><String HEIGHT="19" CONTENT="EU" WIDTH="23" HPOS="841" VPOS="1271" ID="st22-829"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="72" HPOS="868" VPOS="1271" ID="st22-830"/><SP/><String HEIGHT="19" CONTENT="Rules" WIDTH="40" HPOS="944" VPOS="1271" ID="st22-831"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="984" VPOS="1271" ID="st22-832"/><SP/><String HEIGHT="19" CONTENT="Position" WIDTH="65" HPOS="998" VPOS="1271" ID="st22-833"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="1067" VPOS="1271" ID="st22-834"/><SP/><String HEIGHT="19" CONTENT="Employees" WIDTH="88" HPOS="1089" VPOS="1271" ID="st22-835"/><SP/><String HEIGHT="19" CONTENT="Report" WIDTH="53" HPOS="1182" VPOS="1271" ID="st22-836"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="1235" VPOS="1271" ID="st22-837"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1244" VPOS="1271" ID="st22-838"/><SP/><String HEIGHT="19" CONTENT="Nordic" WIDTH="53" HPOS="1258" VPOS="1271" ID="st22-839"/><SP/><String HEIGHT="19" CONTENT="Council" WIDTH="63" HPOS="1316" VPOS="1271" ID="st22-840"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="1383" VPOS="1271" ID="st22-841"/><SP/><String HEIGHT="19" CONTENT="Minis" WIDTH="43" HPOS="1405" VPOS="1271" ID="st22-842" SUBS_TYPE="HypPart1" SUBS_CONTENT="Ministers"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="1271" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="1295" ID="tl22-38" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="ters" WIDTH="28" HPOS="472" VPOS="1295" ID="st22-843" SUBS_TYPE="HypPart2" SUBS_CONTENT="Ministers"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="500" VPOS="1295" ID="st22-844"/><SP/><String HEIGHT="18" CONTENT="Nordic" WIDTH="54" HPOS="512" VPOS="1295" ID="st22-845"/><SP/><String HEIGHT="18" CONTENT="Financial" WIDTH="71" HPOS="571" VPOS="1295" ID="st22-846"/><SP/><String HEIGHT="18" CONTENT="Unions" WIDTH="54" HPOS="647" VPOS="1295" ID="st22-847"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="701" VPOS="1295" ID="st22-848"/><SP/><String HEIGHT="18" CONTENT="Copenhagen" WIDTH="107" HPOS="715" VPOS="1295" ID="st22-849"/><SP/><String HEIGHT="18" CONTENT="Business" WIDTH="70" HPOS="826" VPOS="1295" ID="st22-850"/><SP/><String HEIGHT="18" CONTENT="School" WIDTH="52" HPOS="900" VPOS="1295" ID="st22-851"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="952" VPOS="1295" ID="st22-852"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="966" VPOS="1295" ID="st22-853"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1047" VPOS="1295" ID="st22-854"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1061" VPOS="1295" ID="st22-855"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="40" HPOS="1074" VPOS="1295" ID="st22-856"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1114" VPOS="1295" ID="st22-857"/><String HEIGHT="18" CONTENT="//www" WIDTH="41" HPOS="1122" VPOS="1295" ID="st22-858"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1163" VPOS="1295" ID="st22-859"/><String HEIGHT="18" CONTENT="cbs" WIDTH="24" HPOS="1171" VPOS="1295" ID="st22-860"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1195" VPOS="1295" ID="st22-861"/><String HEIGHT="18" CONTENT="dk/files/cbs" WIDTH="97" HPOS="1204" VPOS="1295" ID="st22-862"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1301" VPOS="1295" ID="st22-863"/><String HEIGHT="18" CONTENT="dk/call" WIDTH="57" HPOS="1309" VPOS="1295" ID="st22-864"/><String HEIGHT="18" CONTENT="_" WIDTH="8" HPOS="1366" VPOS="1295" ID="st22-865"/><String HEIGHT="18" CONTENT="to" WIDTH="16" HPOS="1374" VPOS="1295" ID="st22-866"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="1390" VPOS="1295" ID="st22-867"/><String HEIGHT="18" CONTENT="action" WIDTH="48" HPOS="1399" VPOS="1295" ID="st22-868"/><String HEIGHT="18" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="1295" ID="st22-869"/></TextLine><TextLine HPOS="472" VPOS="1318" ID="tl22-39" WIDTH="537" HEIGHT="19"><String HEIGHT="19" CONTENT="nordic" WIDTH="51" HPOS="472" VPOS="1318" ID="st22-870"/><String HEIGHT="19" CONTENT="_" WIDTH="8" HPOS="523" VPOS="1318" ID="st22-871"/><String HEIGHT="19" CONTENT="implementation" WIDTH="120" HPOS="531" VPOS="1318" ID="st22-872"/><String HEIGHT="19" CONTENT="_" WIDTH="8" HPOS="651" VPOS="1318" ID="st22-873"/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="659" VPOS="1318" ID="st22-874"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="676" VPOS="1318" ID="st22-875"/><String HEIGHT="19" CONTENT="eu" WIDTH="17" HPOS="685" VPOS="1318" ID="st22-876"/><String HEIGHT="19" CONTENT="_" WIDTH="8" HPOS="702" VPOS="1318" ID="st22-877"/><String HEIGHT="19" CONTENT="financial" WIDTH="77" HPOS="710" VPOS="1318" ID="st22-878"/><String HEIGHT="19" CONTENT="_" WIDTH="8" HPOS="787" VPOS="1318" ID="st22-879"/><String HEIGHT="19" CONTENT="rules" WIDTH="43" HPOS="795" VPOS="1318" ID="st22-880"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="838" VPOS="1318" ID="st22-881"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="847" VPOS="1318" ID="st22-882"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="855" VPOS="1318" ID="st22-883"/><String HEIGHT="19" CONTENT="final" WIDTH="42" HPOS="864" VPOS="1318" ID="st22-884"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="906" VPOS="1318" ID="st22-885"/><String HEIGHT="19" CONTENT="report" WIDTH="51" HPOS="915" VPOS="1318" ID="st22-886"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="966" VPOS="1318" ID="st22-887"/><String HEIGHT="19" CONTENT="pdf" WIDTH="26" HPOS="974" VPOS="1318" ID="st22-888"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1000" VPOS="1318" ID="st22-889"/></TextLine><TextLine HPOS="472" VPOS="1353" ID="tl22-40" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="IBISWorld" WIDTH="89" HPOS="472" VPOS="1353" ID="st22-890"/><SP/><String HEIGHT="19" CONTENT="Industry" WIDTH="76" HPOS="566" VPOS="1353" ID="st22-891"/><SP/><String HEIGHT="19" CONTENT="Report" WIDTH="57" HPOS="647" VPOS="1353" ID="st22-892"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="704" VPOS="1353" ID="st22-893"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="719" VPOS="1353" ID="st22-894"/><String HEIGHT="19" CONTENT="2017" WIDTH="34" HPOS="727" VPOS="1353" ID="st22-895"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="761" VPOS="1353" ID="st22-896"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="769" VPOS="1353" ID="st22-897"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="783" VPOS="1353" ID="st22-898"/><String HEIGHT="19" CONTENT="Global" WIDTH="56" HPOS="792" VPOS="1353" ID="st22-899"/><SP/><String HEIGHT="19" CONTENT="Commercial" WIDTH="99" HPOS="853" VPOS="1353" ID="st22-900"/><SP/><String HEIGHT="19" CONTENT="Banks" WIDTH="46" HPOS="956" VPOS="1353" ID="st22-901"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="1002" VPOS="1353" ID="st22-902"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1011" VPOS="1353" ID="st22-903"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="1026" VPOS="1353" ID="st22-904"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1108" VPOS="1353" ID="st22-905"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="1122" VPOS="1353" ID="st22-906"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="43" HPOS="1134" VPOS="1353" ID="st22-907"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1177" VPOS="1353" ID="st22-908"/><String HEIGHT="19" CONTENT="//drive" WIDTH="61" HPOS="1186" VPOS="1353" ID="st22-909"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1247" VPOS="1353" ID="st22-910"/><String HEIGHT="19" CONTENT="google" WIDTH="53" HPOS="1255" VPOS="1353" ID="st22-911"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1308" VPOS="1353" ID="st22-912"/><String HEIGHT="19" CONTENT="com/file/d/1WXm7" WIDTH="140" HPOS="1316" VPOS="1353" ID="st22-913"/></TextLine><TextLine HPOS="472" VPOS="1377" ID="tl22-41" WIDTH="448" HEIGHT="18"><String HEIGHT="18" CONTENT="lFKx3Dl0eC2uOKpwhciZYw0ZPEdy/view" WIDTH="321" HPOS="472" VPOS="1377" ID="st22-914"/><String HEIGHT="18" CONTENT="?" WIDTH="10" HPOS="793" VPOS="1377" ID="st22-915"/><String HEIGHT="18" CONTENT="usp" WIDTH="29" HPOS="803" VPOS="1377" ID="st22-916"/><String HEIGHT="18" CONTENT="=" WIDTH="10" HPOS="832" VPOS="1377" ID="st22-917"/><String HEIGHT="18" CONTENT="sharing" WIDTH="68" HPOS="842" VPOS="1377" ID="st22-918"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="910" VPOS="1377" ID="st22-919"/></TextLine><TextLine HPOS="472" VPOS="1412" ID="tl22-42" WIDTH="983" HEIGHT="18"><String HEIGHT="18" CONTENT="IBISWorld" WIDTH="89" HPOS="472" VPOS="1412" ID="st22-920"/><SP/><String HEIGHT="18" CONTENT="Industry" WIDTH="76" HPOS="566" VPOS="1412" ID="st22-921"/><SP/><String HEIGHT="18" CONTENT="Report" WIDTH="57" HPOS="646" VPOS="1412" ID="st22-922"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="703" VPOS="1412" ID="st22-923"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="718" VPOS="1412" ID="st22-924"/><String HEIGHT="18" CONTENT="2017" WIDTH="34" HPOS="726" VPOS="1412" ID="st22-925"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="760" VPOS="1412" ID="st22-926"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="768" VPOS="1412" ID="st22-927"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="782" VPOS="1412" ID="st22-928"/><String HEIGHT="18" CONTENT="Global" WIDTH="56" HPOS="791" VPOS="1412" ID="st22-929"/><SP/><String HEIGHT="18" CONTENT="Investment" WIDTH="90" HPOS="852" VPOS="1412" ID="st22-930"/><SP/><String HEIGHT="18" CONTENT="Banking" WIDTH="67" HPOS="947" VPOS="1412" ID="st22-931"/><String HEIGHT="18" CONTENT="&amp;" WIDTH="13" HPOS="1019" VPOS="1412" ID="st22-932"/><SP/><String HEIGHT="18" CONTENT="Brokerage" WIDTH="81" HPOS="1036" VPOS="1412" ID="st22-933"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1117" VPOS="1412" ID="st22-934"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1126" VPOS="1412" ID="st22-935"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1141" VPOS="1412" ID="st22-936"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1222" VPOS="1412" ID="st22-937"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1236" VPOS="1412" ID="st22-938"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="41" HPOS="1249" VPOS="1412" ID="st22-939"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1290" VPOS="1412" ID="st22-940"/><String HEIGHT="18" CONTENT="//drive" WIDTH="58" HPOS="1298" VPOS="1412" ID="st22-941"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1356" VPOS="1412" ID="st22-942"/><String HEIGHT="18" CONTENT="google" WIDTH="50" HPOS="1364" VPOS="1412" ID="st22-943"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1414" VPOS="1412" ID="st22-944"/><String HEIGHT="18" CONTENT="com" WIDTH="25" HPOS="1422" VPOS="1412" ID="st22-945"/><String HEIGHT="18" CONTENT="/" WIDTH="8" HPOS="1447" VPOS="1412" ID="st22-946"/></TextLine><TextLine HPOS="472" VPOS="1435" ID="tl22-43" WIDTH="565" HEIGHT="18"><String HEIGHT="18" CONTENT="file/d/1yUI8H1ta3GgjvPyVQ5GOFN0A2mm" WIDTH="340" HPOS="472" VPOS="1435" ID="st22-947"/><String HEIGHT="18" CONTENT="_" WIDTH="10" HPOS="812" VPOS="1435" ID="st22-948"/><String HEIGHT="18" CONTENT="pEQr/view" WIDTH="88" HPOS="822" VPOS="1435" ID="st22-949"/><String HEIGHT="18" CONTENT="?" WIDTH="10" HPOS="910" VPOS="1435" ID="st22-950"/><String HEIGHT="18" CONTENT="usp" WIDTH="29" HPOS="920" VPOS="1435" ID="st22-951"/><String HEIGHT="18" CONTENT="=" WIDTH="10" HPOS="949" VPOS="1435" ID="st22-952"/><String HEIGHT="18" CONTENT="sharing" WIDTH="68" HPOS="959" VPOS="1435" ID="st22-953"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1027" VPOS="1435" ID="st22-954"/></TextLine><TextLine HPOS="472" VPOS="1470" ID="tl22-44" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="IF" WIDTH="15" HPOS="472" VPOS="1470" ID="st22-955"/><SP/><String HEIGHT="19" CONTENT="Union" WIDTH="55" HPOS="492" VPOS="1470" ID="st22-956"/><SP/><String HEIGHT="19" CONTENT="Team" WIDTH="42" HPOS="552" VPOS="1470" ID="st22-957"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="594" VPOS="1470" ID="st22-958"/><SP/><String HEIGHT="19" CONTENT="Union" WIDTH="55" HPOS="610" VPOS="1470" ID="st22-959"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="17" HPOS="670" VPOS="1470" ID="st22-960"/><SP/><String HEIGHT="19" CONTENT="Nordea" WIDTH="66" HPOS="692" VPOS="1470" ID="st22-961"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="35" HPOS="763" VPOS="1470" ID="st22-962"/><SP/><String HEIGHT="19" CONTENT="Danske" WIDTH="67" HPOS="803" VPOS="1470" ID="st22-963"/><SP/><String HEIGHT="19" CONTENT="Unions" WIDTH="59" HPOS="875" VPOS="1470" ID="st22-964"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="934" VPOS="1470" ID="st22-965"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="949" VPOS="1470" ID="st22-966"/><String HEIGHT="19" CONTENT="2008" WIDTH="34" HPOS="957" VPOS="1470" ID="st22-967"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="991" VPOS="1470" ID="st22-968"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="999" VPOS="1470" ID="st22-969"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="1013" VPOS="1470" ID="st22-970"/><String HEIGHT="19" CONTENT="Response" WIDTH="80" HPOS="1022" VPOS="1470" ID="st22-971"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="1106" VPOS="1470" ID="st22-972"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1129" VPOS="1470" ID="st22-973"/><SP/><String HEIGHT="19" CONTENT="Consultation" WIDTH="106" HPOS="1160" VPOS="1470" ID="st22-974"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1271" VPOS="1470" ID="st22-975"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1293" VPOS="1470" ID="st22-976"/><SP/><String HEIGHT="19" CONTENT="European" WIDTH="79" HPOS="1325" VPOS="1470" ID="st22-977"/><SP/><String HEIGHT="19" CONTENT="Social" WIDTH="47" HPOS="1409" VPOS="1470" ID="st22-978"/></TextLine><TextLine HPOS="472" VPOS="1494" ID="tl22-45" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Partners" WIDTH="67" HPOS="472" VPOS="1494" ID="st22-979"/><SP/><String HEIGHT="18" CONTENT="on" WIDTH="22" HPOS="545" VPOS="1494" ID="st22-980"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="573" VPOS="1494" ID="st22-981"/><SP/><String HEIGHT="18" CONTENT="Revision" WIDTH="67" HPOS="606" VPOS="1494" ID="st22-982"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="679" VPOS="1494" ID="st22-983"/><SP/><String HEIGHT="18" CONTENT="Council" WIDTH="63" HPOS="702" VPOS="1494" ID="st22-984"/><SP/><String HEIGHT="18" CONTENT="Directive" WIDTH="71" HPOS="771" VPOS="1494" ID="st22-985"/><SP/><String HEIGHT="18" CONTENT="94/45/EC" WIDTH="76" HPOS="848" VPOS="1494" ID="st22-986"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="931" VPOS="1494" ID="st22-987"/><SP/><String HEIGHT="18" CONTENT="22" WIDTH="21" HPOS="954" VPOS="1494" ID="st22-988"/><SP/><String HEIGHT="18" CONTENT="September" WIDTH="89" HPOS="982" VPOS="1494" ID="st22-989"/><SP/><String HEIGHT="18" CONTENT="1994" WIDTH="40" HPOS="1077" VPOS="1494" ID="st22-990"/><String HEIGHT="18" CONTENT="«" WIDTH="10" HPOS="1117" VPOS="1494" ID="st22-991"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1127" VPOS="1494" ID="st22-992"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="1143" VPOS="1494" ID="st22-993"/><SP/><String HEIGHT="18" CONTENT="from" WIDTH="40" HPOS="1225" VPOS="1494" ID="st22-994"/><SP/><String HEIGHT="18" CONTENT="European" WIDTH="79" HPOS="1271" VPOS="1494" ID="st22-995"/><SP/><String HEIGHT="18" CONTENT="Trade" WIDTH="44" HPOS="1356" VPOS="1494" ID="st22-996"/><SP/><String HEIGHT="18" CONTENT="Union" WIDTH="50" HPOS="1406" VPOS="1494" ID="st22-997"/></TextLine><TextLine HPOS="472" VPOS="1517" ID="tl22-46" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Confederation" WIDTH="120" HPOS="472" VPOS="1517" ID="st22-998"/><SP/><String HEIGHT="18" CONTENT="European" WIDTH="79" HPOS="597" VPOS="1517" ID="st22-999"/><SP/><String HEIGHT="18" CONTENT="Works" WIDTH="52" HPOS="681" VPOS="1517" ID="st22-1000"/><SP/><String HEIGHT="18" CONTENT="Council" WIDTH="62" HPOS="739" VPOS="1517" ID="st22-1001"/><SP/><String HEIGHT="18" CONTENT="Database" WIDTH="72" HPOS="806" VPOS="1517" ID="st22-1002"/><String HEIGHT="18" CONTENT=":" WIDTH="10" HPOS="878" VPOS="1517" ID="st22-1003"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="47" HPOS="894" VPOS="1517" ID="st22-1004"/><String HEIGHT="18" CONTENT=":" WIDTH="10" HPOS="941" VPOS="1517" ID="st22-1005"/><String HEIGHT="18" CONTENT="//drive" WIDTH="66" HPOS="951" VPOS="1517" ID="st22-1006"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1017" VPOS="1517" ID="st22-1007"/><String HEIGHT="18" CONTENT="google" WIDTH="57" HPOS="1027" VPOS="1517" ID="st22-1008"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1084" VPOS="1517" ID="st22-1009"/><String HEIGHT="18" CONTENT="com/file/d/1NQmcD9jOsn7WoDgCI0upVCoNAR" WIDTH="362" HPOS="1094" VPOS="1517" ID="st22-1010"/></TextLine><TextLine HPOS="472" VPOS="1540" ID="tl22-47" WIDTH="220" HEIGHT="19"><String HEIGHT="19" CONTENT="NJuvR2/view" WIDTH="100" HPOS="472" VPOS="1540" ID="st22-1011"/><String HEIGHT="19" CONTENT="?" WIDTH="10" HPOS="572" VPOS="1540" ID="st22-1012"/><String HEIGHT="19" CONTENT="usp" WIDTH="27" HPOS="582" VPOS="1540" ID="st22-1013"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="609" VPOS="1540" ID="st22-1014"/><String HEIGHT="19" CONTENT="sharing" WIDTH="64" HPOS="618" VPOS="1540" ID="st22-1015"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="682" VPOS="1540" ID="st22-1016"/></TextLine><TextLine HPOS="472" VPOS="1575" ID="tl22-48" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Igan" WIDTH="36" HPOS="472" VPOS="1575" ID="st22-1017"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="508" VPOS="1575" ID="st22-1018"/><SP/><String HEIGHT="19" CONTENT="D" WIDTH="8" HPOS="522" VPOS="1575" ID="st22-1019"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="530" VPOS="1575" ID="st22-1020"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="538" VPOS="1575" ID="st22-1021"/><SP/><String HEIGHT="19" CONTENT="Mishra" WIDTH="58" HPOS="551" VPOS="1575" ID="st22-1022"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="609" VPOS="1575" ID="st22-1023"/><SP/><String HEIGHT="19" CONTENT="P" WIDTH="6" HPOS="624" VPOS="1575" ID="st22-1024"/><String HEIGHT="19" CONTENT="." WIDTH="6" HPOS="630" VPOS="1575" ID="st22-1025"/><String HEIGHT="19" CONTENT="," WIDTH="6" HPOS="636" VPOS="1575" ID="st22-1026"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="647" VPOS="1575" ID="st22-1027"/><SP/><String HEIGHT="19" CONTENT="Tressel" WIDTH="57" HPOS="686" VPOS="1575" ID="st22-1028"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="743" VPOS="1575" ID="st22-1029"/><SP/><String HEIGHT="19" CONTENT="T" WIDTH="7" HPOS="756" VPOS="1575" ID="st22-1030"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="763" VPOS="1575" ID="st22-1031"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="775" VPOS="1575" ID="st22-1032"/><String HEIGHT="19" CONTENT="2009" WIDTH="34" HPOS="783" VPOS="1575" ID="st22-1033"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="817" VPOS="1575" ID="st22-1034"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="825" VPOS="1575" ID="st22-1035"/><String HEIGHT="19" CONTENT="»" WIDTH="12" HPOS="839" VPOS="1575" ID="st22-1036"/><String HEIGHT="19" CONTENT="A" WIDTH="12" HPOS="851" VPOS="1575" ID="st22-1037"/><SP/><String HEIGHT="19" CONTENT="Fistful" WIDTH="49" HPOS="867" VPOS="1575" ID="st22-1038"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="920" VPOS="1575" ID="st22-1039"/><SP/><String HEIGHT="19" CONTENT="Dollars" WIDTH="54" HPOS="942" VPOS="1575" ID="st22-1040"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="996" VPOS="1575" ID="st22-1041"/><SP/><String HEIGHT="19" CONTENT="Lobbying" WIDTH="76" HPOS="1008" VPOS="1575" ID="st22-1042"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1089" VPOS="1575" ID="st22-1043"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1125" VPOS="1575" ID="st22-1044"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="71" HPOS="1156" VPOS="1575" ID="st22-1045"/><SP/><String HEIGHT="19" CONTENT="Crisis" WIDTH="44" HPOS="1232" VPOS="1575" ID="st22-1046"/><String HEIGHT="19" CONTENT="«" WIDTH="7" HPOS="1276" VPOS="1575" ID="st22-1047"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1283" VPOS="1575" ID="st22-1048"/><SP/><String HEIGHT="19" CONTENT="IMF" WIDTH="30" HPOS="1296" VPOS="1575" ID="st22-1049"/><SP/><String HEIGHT="19" CONTENT="Working" WIDTH="71" HPOS="1331" VPOS="1575" ID="st22-1050"/><SP/><String HEIGHT="19" CONTENT="Paper" WIDTH="41" HPOS="1406" VPOS="1575" ID="st22-1051"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1575" ID="st22-1052"/></TextLine><TextLine HPOS="472" VPOS="1599" ID="tl22-49" WIDTH="805" HEIGHT="18"><String HEIGHT="18" CONTENT="Research" WIDTH="73" HPOS="472" VPOS="1599" ID="st22-1053"/><SP/><String HEIGHT="18" CONTENT="Department" WIDTH="95" HPOS="550" VPOS="1599" ID="st22-1054"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="645" VPOS="1599" ID="st22-1055"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="661" VPOS="1599" ID="st22-1056"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="743" VPOS="1599" ID="st22-1057"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="757" VPOS="1599" ID="st22-1058"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="44" HPOS="770" VPOS="1599" ID="st22-1059"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="814" VPOS="1599" ID="st22-1060"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="823" VPOS="1599" ID="st22-1061"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="868" VPOS="1599" ID="st22-1062"/><String HEIGHT="18" CONTENT="imf" WIDTH="27" HPOS="876" VPOS="1599" ID="st22-1063"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="903" VPOS="1599" ID="st22-1064"/><String HEIGHT="18" CONTENT="org/external/pubs/ft/wp/2009/wp09287" WIDTH="321" HPOS="912" VPOS="1599" ID="st22-1065"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1233" VPOS="1599" ID="st22-1066"/><String HEIGHT="18" CONTENT="pdf" WIDTH="27" HPOS="1242" VPOS="1599" ID="st22-1067"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1269" VPOS="1599" ID="st22-1068"/></TextLine><TextLine HPOS="472" VPOS="1634" ID="tl22-50" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="IMF" WIDTH="33" HPOS="472" VPOS="1634" ID="st22-1069"/><SP/><String HEIGHT="18" CONTENT="Staff" WIDTH="40" HPOS="511" VPOS="1634" ID="st22-1070"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="551" VPOS="1634" ID="st22-1071"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="565" VPOS="1634" ID="st22-1072"/><String HEIGHT="18" CONTENT="2015" WIDTH="34" HPOS="573" VPOS="1634" ID="st22-1073"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="607" VPOS="1634" ID="st22-1074"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="616" VPOS="1634" ID="st22-1075"/><String HEIGHT="18" CONTENT="»" WIDTH="8" HPOS="630" VPOS="1634" ID="st22-1076"/><String HEIGHT="18" CONTENT="Structural" WIDTH="83" HPOS="638" VPOS="1634" ID="st22-1077"/><SP/><String HEIGHT="18" CONTENT="Reforms" WIDTH="68" HPOS="726" VPOS="1634" ID="st22-1078"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="799" VPOS="1634" ID="st22-1079"/><SP/><String HEIGHT="18" CONTENT="Macroeconomic" WIDTH="133" HPOS="836" VPOS="1634" ID="st22-1080"/><SP/><String HEIGHT="18" CONTENT="Performance" WIDTH="100" HPOS="974" VPOS="1634" ID="st22-1081"/><String HEIGHT="18" CONTENT=":" WIDTH="10" HPOS="1074" VPOS="1634" ID="st22-1082"/><SP/><String HEIGHT="18" CONTENT="Initial" WIDTH="44" HPOS="1089" VPOS="1634" ID="st22-1083"/><SP/><String HEIGHT="18" CONTENT="Considerations" WIDTH="123" HPOS="1139" VPOS="1634" ID="st22-1084"/><SP/><String HEIGHT="18" CONTENT="for" WIDTH="24" HPOS="1267" VPOS="1634" ID="st22-1085"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1296" VPOS="1634" ID="st22-1086"/><SP/><String HEIGHT="18" CONTENT="Fund" WIDTH="38" HPOS="1329" VPOS="1634" ID="st22-1087"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1367" VPOS="1634" ID="st22-1088"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1376" VPOS="1634" ID="st22-1089"/><SP/><String HEIGHT="18" CONTENT="Interna" WIDTH="57" HPOS="1391" VPOS="1634" ID="st22-1090" SUBS_TYPE="HypPart1" SUBS_CONTENT="International"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="1634" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="1657" ID="tl22-51" WIDTH="883" HEIGHT="19"><String HEIGHT="19" CONTENT="tional" WIDTH="46" HPOS="472" VPOS="1657" ID="st22-1091" SUBS_TYPE="HypPart2" SUBS_CONTENT="International"/><SP/><String HEIGHT="19" CONTENT="Monetary" WIDTH="80" HPOS="524" VPOS="1657" ID="st22-1092"/><SP/><String HEIGHT="19" CONTENT="Fund" WIDTH="41" HPOS="609" VPOS="1657" ID="st22-1093"/><SP/><String HEIGHT="19" CONTENT="Staff" WIDTH="38" HPOS="656" VPOS="1657" ID="st22-1094"/><SP/><String HEIGHT="19" CONTENT="Report" WIDTH="51" HPOS="700" VPOS="1657" ID="st22-1095"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="751" VPOS="1657" ID="st22-1096"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="765" VPOS="1657" ID="st22-1097"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="848" VPOS="1657" ID="st22-1098"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="862" VPOS="1657" ID="st22-1099"/><SP/><String HEIGHT="19" CONTENT="http" WIDTH="35" HPOS="875" VPOS="1657" ID="st22-1100"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="910" VPOS="1657" ID="st22-1101"/><String HEIGHT="19" CONTENT="//www" WIDTH="45" HPOS="919" VPOS="1657" ID="st22-1102"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="964" VPOS="1657" ID="st22-1103"/><String HEIGHT="19" CONTENT="imf" WIDTH="27" HPOS="972" VPOS="1657" ID="st22-1104"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="999" VPOS="1657" ID="st22-1105"/><String HEIGHT="19" CONTENT="org/external/np/pp/eng/2015/101315" WIDTH="303" HPOS="1008" VPOS="1657" ID="st22-1106"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1311" VPOS="1657" ID="st22-1107"/><String HEIGHT="19" CONTENT="pdf" WIDTH="27" HPOS="1320" VPOS="1657" ID="st22-1108"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1347" VPOS="1657" ID="st22-1109"/></TextLine><TextLine HPOS="472" VPOS="1692" ID="tl22-52" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Jaumotte" WIDTH="80" HPOS="472" VPOS="1692" ID="st22-1110"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="552" VPOS="1692" ID="st22-1111"/><SP/><String HEIGHT="19" CONTENT="F" WIDTH="6" HPOS="568" VPOS="1692" ID="st22-1112"/><String HEIGHT="19" CONTENT="." WIDTH="6" HPOS="574" VPOS="1692" ID="st22-1113"/><String HEIGHT="19" CONTENT="," WIDTH="6" HPOS="580" VPOS="1692" ID="st22-1114"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="35" HPOS="590" VPOS="1692" ID="st22-1115"/><SP/><String HEIGHT="19" CONTENT="Osorio" WIDTH="56" HPOS="630" VPOS="1692" ID="st22-1116"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="686" VPOS="1692" ID="st22-1117"/><String HEIGHT="19" CONTENT="Buitron" WIDTH="65" HPOS="695" VPOS="1692" ID="st22-1118"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="760" VPOS="1692" ID="st22-1119"/><SP/><String HEIGHT="19" CONTENT="C" WIDTH="8" HPOS="775" VPOS="1692" ID="st22-1120"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="783" VPOS="1692" ID="st22-1121"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="797" VPOS="1692" ID="st22-1122"/><String HEIGHT="19" CONTENT="2015" WIDTH="34" HPOS="805" VPOS="1692" ID="st22-1123"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="839" VPOS="1692" ID="st22-1124"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="847" VPOS="1692" ID="st22-1125"/><String HEIGHT="19" CONTENT="»" WIDTH="8" HPOS="861" VPOS="1692" ID="st22-1126"/><String HEIGHT="19" CONTENT="Inequality" WIDTH="83" HPOS="869" VPOS="1692" ID="st22-1127"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="957" VPOS="1692" ID="st22-1128"/><SP/><String HEIGHT="19" CONTENT="Labor" WIDTH="46" HPOS="993" VPOS="1692" ID="st22-1129"/><SP/><String HEIGHT="19" CONTENT="Market" WIDTH="60" HPOS="1044" VPOS="1692" ID="st22-1130"/><SP/><String HEIGHT="19" CONTENT="Institutions" WIDTH="90" HPOS="1109" VPOS="1692" ID="st22-1131"/><String HEIGHT="19" CONTENT="«" WIDTH="8" HPOS="1199" VPOS="1692" ID="st22-1132"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1207" VPOS="1692" ID="st22-1133"/><SP/><String HEIGHT="19" CONTENT="International" WIDTH="105" HPOS="1220" VPOS="1692" ID="st22-1134"/><SP/><String HEIGHT="19" CONTENT="Monetary" WIDTH="80" HPOS="1330" VPOS="1692" ID="st22-1135"/><SP/><String HEIGHT="19" CONTENT="Fund" WIDTH="41" HPOS="1415" VPOS="1692" ID="st22-1136"/></TextLine><TextLine HPOS="472" VPOS="1716" ID="tl22-53" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Staff" WIDTH="38" HPOS="472" VPOS="1716" ID="st22-1137"/><SP/><String HEIGHT="18" CONTENT="Discussion" WIDTH="86" HPOS="515" VPOS="1716" ID="st22-1138"/><SP/><String HEIGHT="18" CONTENT="Note" WIDTH="36" HPOS="606" VPOS="1716" ID="st22-1139"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="642" VPOS="1716" ID="st22-1140"/><SP/><String HEIGHT="18" CONTENT="Research" WIDTH="73" HPOS="656" VPOS="1716" ID="st22-1141"/><SP/><String HEIGHT="18" CONTENT="Department" WIDTH="95" HPOS="734" VPOS="1716" ID="st22-1142"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="829" VPOS="1716" ID="st22-1143"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="844" VPOS="1716" ID="st22-1144"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="926" VPOS="1716" ID="st22-1145"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="940" VPOS="1716" ID="st22-1146"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="43" HPOS="952" VPOS="1716" ID="st22-1147"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="995" VPOS="1716" ID="st22-1148"/><String HEIGHT="18" CONTENT="//www" WIDTH="43" HPOS="1004" VPOS="1716" ID="st22-1149"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1047" VPOS="1716" ID="st22-1150"/><String HEIGHT="18" CONTENT="imf" WIDTH="26" HPOS="1056" VPOS="1716" ID="st22-1151"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1082" VPOS="1716" ID="st22-1152"/><String HEIGHT="18" CONTENT="org/external/pubs/ft/sdn/2015/sdn1514" WIDTH="321" HPOS="1091" VPOS="1716" ID="st22-1153"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1412" VPOS="1716" ID="st22-1154"/><String HEIGHT="18" CONTENT="pdf" WIDTH="26" HPOS="1421" VPOS="1716" ID="st22-1155"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1716" ID="st22-1156"/></TextLine><TextLine HPOS="472" VPOS="1751" ID="tl22-54" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Johnson" WIDTH="70" HPOS="472" VPOS="1751" ID="st22-1157"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="542" VPOS="1751" ID="st22-1158"/><SP/><String HEIGHT="18" CONTENT="S" WIDTH="8" HPOS="555" VPOS="1751" ID="st22-1159"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="563" VPOS="1751" ID="st22-1160"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="574" VPOS="1751" ID="st22-1161"/><String HEIGHT="18" CONTENT="2009" WIDTH="33" HPOS="582" VPOS="1751" ID="st22-1162"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="615" VPOS="1751" ID="st22-1163"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="623" VPOS="1751" ID="st22-1164"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="635" VPOS="1751" ID="st22-1165"/><String HEIGHT="18" CONTENT="The" WIDTH="31" HPOS="645" VPOS="1751" ID="st22-1166"/><SP/><String HEIGHT="18" CONTENT="Quiet" WIDTH="45" HPOS="678" VPOS="1751" ID="st22-1167"/><SP/><String HEIGHT="18" CONTENT="Coup" WIDTH="40" HPOS="726" VPOS="1751" ID="st22-1168"/><String HEIGHT="18" CONTENT="«" WIDTH="10" HPOS="766" VPOS="1751" ID="st22-1169"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="776" VPOS="1751" ID="st22-1170"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="790" VPOS="1751" ID="st22-1171"/><SP/><String HEIGHT="18" CONTENT="Atlantic" WIDTH="63" HPOS="822" VPOS="1751" ID="st22-1172"/><String HEIGHT="18" CONTENT="." WIDTH="6" HPOS="885" VPOS="1751" ID="st22-1173"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="893" VPOS="1751" ID="st22-1174"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="972" VPOS="1751" ID="st22-1175"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="986" VPOS="1751" ID="st22-1176"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="43" HPOS="996" VPOS="1751" ID="st22-1177"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1039" VPOS="1751" ID="st22-1178"/><String HEIGHT="18" CONTENT="//www" WIDTH="43" HPOS="1048" VPOS="1751" ID="st22-1179"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1091" VPOS="1751" ID="st22-1180"/><String HEIGHT="18" CONTENT="theatlantic" WIDTH="95" HPOS="1100" VPOS="1751" ID="st22-1181"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1195" VPOS="1751" ID="st22-1182"/><String HEIGHT="18" CONTENT="com/magazine/archive/2009/05" WIDTH="243" HPOS="1204" VPOS="1751" ID="st22-1183"/><String HEIGHT="18" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="1751" ID="st22-1184"/></TextLine><TextLine HPOS="472" VPOS="1774" ID="tl22-55" WIDTH="204" HEIGHT="19"><String HEIGHT="19" CONTENT="the" WIDTH="26" HPOS="472" VPOS="1774" ID="st22-1185"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="498" VPOS="1774" ID="st22-1186"/><String HEIGHT="19" CONTENT="quiet" WIDTH="44" HPOS="507" VPOS="1774" ID="st22-1187"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="551" VPOS="1774" ID="st22-1188"/><String HEIGHT="19" CONTENT="coup/307364/" WIDTH="107" HPOS="560" VPOS="1774" ID="st22-1189"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="667" VPOS="1774" ID="st22-1190"/></TextLine><TextLine HPOS="472" VPOS="1809" ID="tl22-56" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Johnson" WIDTH="70" HPOS="472" VPOS="1809" ID="st22-1191"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="542" VPOS="1809" ID="st22-1192"/><SP/><String HEIGHT="19" CONTENT="S" WIDTH="7" HPOS="559" VPOS="1809" ID="st22-1193"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="566" VPOS="1809" ID="st22-1194"/><String HEIGHT="19" CONTENT="," WIDTH="7" HPOS="573" VPOS="1809" ID="st22-1195"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="586" VPOS="1809" ID="st22-1196"/><SP/><String HEIGHT="19" CONTENT="Kwak" WIDTH="45" HPOS="626" VPOS="1809" ID="st22-1197"/><String HEIGHT="19" CONTENT="," WIDTH="12" HPOS="671" VPOS="1809" ID="st22-1198"/><SP/><String HEIGHT="19" CONTENT="J" WIDTH="6" HPOS="689" VPOS="1809" ID="st22-1199"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="695" VPOS="1809" ID="st22-1200"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="707" VPOS="1809" ID="st22-1201"/><String HEIGHT="19" CONTENT="2010" WIDTH="34" HPOS="715" VPOS="1809" ID="st22-1202"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="749" VPOS="1809" ID="st22-1203"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="758" VPOS="1809" ID="st22-1204"/><String HEIGHT="19" CONTENT="»" WIDTH="11" HPOS="772" VPOS="1809" ID="st22-1205"/><String HEIGHT="19" CONTENT="13" WIDTH="22" HPOS="783" VPOS="1809" ID="st22-1206"/><SP/><String HEIGHT="19" CONTENT="Bankers" WIDTH="62" HPOS="810" VPOS="1809" ID="st22-1207"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="872" VPOS="1809" ID="st22-1208"/><SP/><String HEIGHT="19" CONTENT="The" WIDTH="30" HPOS="886" VPOS="1809" ID="st22-1209"/><SP/><String HEIGHT="19" CONTENT="Wall" WIDTH="36" HPOS="922" VPOS="1809" ID="st22-1210"/><SP/><String HEIGHT="19" CONTENT="Street" WIDTH="48" HPOS="964" VPOS="1809" ID="st22-1211"/><SP/><String HEIGHT="19" CONTENT="Takeover" WIDTH="73" HPOS="1017" VPOS="1809" ID="st22-1212"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="1095" VPOS="1809" ID="st22-1213"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1132" VPOS="1809" ID="st22-1214"/><SP/><String HEIGHT="19" CONTENT="Next" WIDTH="38" HPOS="1165" VPOS="1809" ID="st22-1215"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="72" HPOS="1208" VPOS="1809" ID="st22-1216"/><SP/><String HEIGHT="19" CONTENT="Meltdown" WIDTH="81" HPOS="1285" VPOS="1809" ID="st22-1217"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1366" VPOS="1809" ID="st22-1218"/><String HEIGHT="19" CONTENT="«" WIDTH="11" HPOS="1376" VPOS="1809" ID="st22-1219"/><SP/><String HEIGHT="19" CONTENT="Vintage" WIDTH="64" HPOS="1392" VPOS="1809" ID="st22-1220"/></TextLine><TextLine HPOS="472" VPOS="1833" ID="tl22-57" WIDTH="146" HEIGHT="18"><String HEIGHT="18" CONTENT="Books" WIDTH="45" HPOS="472" VPOS="1833" ID="st22-1221"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="517" VPOS="1833" ID="st22-1222"/><SP/><String HEIGHT="18" CONTENT="New" WIDTH="38" HPOS="532" VPOS="1833" ID="st22-1223"/><SP/><String HEIGHT="18" CONTENT="York" WIDTH="33" HPOS="576" VPOS="1833" ID="st22-1224"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="609" VPOS="1833" ID="st22-1225"/></TextLine><TextLine HPOS="472" VPOS="1868" ID="tl22-58" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Karasek" WIDTH="72" HPOS="472" VPOS="1868" ID="st22-1226"/><SP/><String HEIGHT="18" CONTENT="Jr" WIDTH="12" HPOS="549" VPOS="1868" ID="st22-1227"/><String HEIGHT="18" CONTENT="." WIDTH="6" HPOS="561" VPOS="1868" ID="st22-1228"/><String HEIGHT="18" CONTENT="," WIDTH="6" HPOS="567" VPOS="1868" ID="st22-1229"/><SP/><String HEIGHT="18" CONTENT="R" WIDTH="8" HPOS="578" VPOS="1868" ID="st22-1230"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="586" VPOS="1868" ID="st22-1231"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="600" VPOS="1868" ID="st22-1232"/><String HEIGHT="18" CONTENT="1979" WIDTH="34" HPOS="608" VPOS="1868" ID="st22-1233"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="642" VPOS="1868" ID="st22-1234"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="650" VPOS="1868" ID="st22-1235"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="664" VPOS="1868" ID="st22-1236"/><String HEIGHT="18" CONTENT="Job" WIDTH="30" HPOS="673" VPOS="1868" ID="st22-1237"/><SP/><String HEIGHT="18" CONTENT="Demands" WIDTH="73" HPOS="707" VPOS="1868" ID="st22-1238"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="780" VPOS="1868" ID="st22-1239"/><SP/><String HEIGHT="18" CONTENT="Job" WIDTH="28" HPOS="795" VPOS="1868" ID="st22-1240"/><SP/><String HEIGHT="18" CONTENT="Decision" WIDTH="69" HPOS="828" VPOS="1868" ID="st22-1241"/><SP/><String HEIGHT="18" CONTENT="Latitude" WIDTH="64" HPOS="902" VPOS="1868" ID="st22-1242"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="966" VPOS="1868" ID="st22-1243"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="979" VPOS="1868" ID="st22-1244"/><SP/><String HEIGHT="18" CONTENT="Mental" WIDTH="58" HPOS="1015" VPOS="1868" ID="st22-1245"/><SP/><String HEIGHT="18" CONTENT="Strain" WIDTH="44" HPOS="1078" VPOS="1868" ID="st22-1246"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1122" VPOS="1868" ID="st22-1247"/><SP/><String HEIGHT="18" CONTENT="Implications" WIDTH="98" HPOS="1135" VPOS="1868" ID="st22-1248"/><SP/><String HEIGHT="18" CONTENT="for" WIDTH="24" HPOS="1238" VPOS="1868" ID="st22-1249"/><SP/><String HEIGHT="18" CONTENT="Job" WIDTH="29" HPOS="1266" VPOS="1868" ID="st22-1250"/><SP/><String HEIGHT="18" CONTENT="Redesign" WIDTH="72" HPOS="1299" VPOS="1868" ID="st22-1251"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1371" VPOS="1868" ID="st22-1252"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1380" VPOS="1868" ID="st22-1253"/><SP/><String HEIGHT="18" CONTENT="Admin" WIDTH="51" HPOS="1395" VPOS="1868" ID="st22-1254" SUBS_TYPE="HypPart1" SUBS_CONTENT="Administrative"/><HYP CONTENT="-" WIDTH="10" HPOS="1446" VPOS="1868" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="1891" ID="tl22-59" WIDTH="895" HEIGHT="18"><String HEIGHT="18" CONTENT="istrative" WIDTH="64" HPOS="472" VPOS="1891" ID="st22-1255" SUBS_TYPE="HypPart2" SUBS_CONTENT="Administrative"/><SP/><String HEIGHT="18" CONTENT="Science" WIDTH="62" HPOS="541" VPOS="1891" ID="st22-1256"/><SP/><String HEIGHT="18" CONTENT="Quarterly" WIDTH="72" HPOS="608" VPOS="1891" ID="st22-1257"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="680" VPOS="1891" ID="st22-1258"/><SP/><String HEIGHT="18" CONTENT="Vol" WIDTH="23" HPOS="694" VPOS="1891" ID="st22-1259"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="717" VPOS="1891" ID="st22-1260"/><SP/><String HEIGHT="18" CONTENT="24" WIDTH="18" HPOS="730" VPOS="1891" ID="st22-1261"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="748" VPOS="1891" ID="st22-1262"/><SP/><String HEIGHT="18" CONTENT="No" WIDTH="19" HPOS="763" VPOS="1891" ID="st22-1263"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="782" VPOS="1891" ID="st22-1264"/><SP/><String HEIGHT="18" CONTENT="2" WIDTH="11" HPOS="797" VPOS="1891" ID="st22-1265"/><String HEIGHT="18" CONTENT="," WIDTH="5" HPOS="814" VPOS="1891" ID="st22-1266"/><SP/><String HEIGHT="18" CONTENT="pp" WIDTH="18" HPOS="825" VPOS="1891" ID="st22-1267"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="843" VPOS="1891" ID="st22-1268"/><SP/><String HEIGHT="18" CONTENT="285–308" WIDTH="70" HPOS="857" VPOS="1891" ID="st22-1269"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="927" VPOS="1891" ID="st22-1270"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="942" VPOS="1891" ID="st22-1271"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1024" VPOS="1891" ID="st22-1272"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1038" VPOS="1891" ID="st22-1273"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="42" HPOS="1051" VPOS="1891" ID="st22-1274"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1093" VPOS="1891" ID="st22-1275"/><String HEIGHT="18" CONTENT="//www" WIDTH="42" HPOS="1102" VPOS="1891" ID="st22-1276"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1144" VPOS="1891" ID="st22-1277"/><String HEIGHT="18" CONTENT="jstor" WIDTH="43" HPOS="1153" VPOS="1891" ID="st22-1278"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1196" VPOS="1891" ID="st22-1279"/><String HEIGHT="18" CONTENT="org/stable/2392498" WIDTH="154" HPOS="1204" VPOS="1891" ID="st22-1280"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1358" VPOS="1891" ID="st22-1281"/></TextLine><TextLine HPOS="472" VPOS="1926" ID="tl22-60" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Kumhof" WIDTH="67" HPOS="472" VPOS="1926" ID="st22-1282"/><String HEIGHT="19" CONTENT="," WIDTH="12" HPOS="539" VPOS="1926" ID="st22-1283"/><SP/><String HEIGHT="19" CONTENT="M" WIDTH="9" HPOS="555" VPOS="1926" ID="st22-1284"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="564" VPOS="1926" ID="st22-1285"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="574" VPOS="1926" ID="st22-1286"/><SP/><String HEIGHT="19" CONTENT="Lobar" WIDTH="45" HPOS="589" VPOS="1926" ID="st22-1287"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="634" VPOS="1926" ID="st22-1288"/><SP/><String HEIGHT="19" CONTENT="C" WIDTH="7" HPOS="648" VPOS="1926" ID="st22-1289"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="655" VPOS="1926" ID="st22-1290"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="663" VPOS="1926" ID="st22-1291"/><SP/><String HEIGHT="19" CONTENT="Ranciere" WIDTH="73" HPOS="675" VPOS="1926" ID="st22-1292"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="748" VPOS="1926" ID="st22-1293"/><SP/><String HEIGHT="19" CONTENT="R" WIDTH="7" HPOS="762" VPOS="1926" ID="st22-1294"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="769" VPOS="1926" ID="st22-1295"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="777" VPOS="1926" ID="st22-1296"/><SP/><String HEIGHT="19" CONTENT="Richter" WIDTH="59" HPOS="789" VPOS="1926" ID="st22-1297"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="848" VPOS="1926" ID="st22-1298"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="9" HPOS="861" VPOS="1926" ID="st22-1299"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="870" VPOS="1926" ID="st22-1300"/><String HEIGHT="19" CONTENT="W" WIDTH="9" HPOS="880" VPOS="1926" ID="st22-1301"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="889" VPOS="1926" ID="st22-1302"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="899" VPOS="1926" ID="st22-1303"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="914" VPOS="1926" ID="st22-1304"/><SP/><String HEIGHT="19" CONTENT="Throckmorton" WIDTH="124" HPOS="952" VPOS="1926" ID="st22-1305"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="1076" VPOS="1926" ID="st22-1306"/><SP/><String HEIGHT="19" CONTENT="N" WIDTH="9" HPOS="1091" VPOS="1926" ID="st22-1307"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1100" VPOS="1926" ID="st22-1308"/><String HEIGHT="19" CONTENT="A" WIDTH="10" HPOS="1110" VPOS="1926" ID="st22-1309"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1120" VPOS="1926" ID="st22-1310"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="1134" VPOS="1926" ID="st22-1311"/><String HEIGHT="19" CONTENT="January" WIDTH="60" HPOS="1142" VPOS="1926" ID="st22-1312"/><SP/><String HEIGHT="19" CONTENT="2012" WIDTH="36" HPOS="1207" VPOS="1926" ID="st22-1313"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="1243" VPOS="1926" ID="st22-1314"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1252" VPOS="1926" ID="st22-1315"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="1265" VPOS="1926" ID="st22-1316"/><String HEIGHT="19" CONTENT="Income" WIDTH="61" HPOS="1275" VPOS="1926" ID="st22-1317"/><SP/><String HEIGHT="19" CONTENT="Inequality" WIDTH="80" HPOS="1341" VPOS="1926" ID="st22-1318"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1425" VPOS="1926" ID="st22-1319"/></TextLine><TextLine HPOS="472" VPOS="1950" ID="tl22-61" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Current" WIDTH="63" HPOS="472" VPOS="1950" ID="st22-1320"/><SP/><String HEIGHT="18" CONTENT="Account" WIDTH="69" HPOS="541" VPOS="1950" ID="st22-1321"/><SP/><String HEIGHT="18" CONTENT="Imbalances" WIDTH="90" HPOS="615" VPOS="1950" ID="st22-1322"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="705" VPOS="1950" ID="st22-1323"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="714" VPOS="1950" ID="st22-1324"/><SP/><String HEIGHT="18" CONTENT="International" WIDTH="105" HPOS="728" VPOS="1950" ID="st22-1325"/><SP/><String HEIGHT="18" CONTENT="Monetary" WIDTH="80" HPOS="839" VPOS="1950" ID="st22-1326"/><SP/><String HEIGHT="18" CONTENT="Fund" WIDTH="41" HPOS="924" VPOS="1950" ID="st22-1327"/><SP/><String HEIGHT="18" CONTENT="Working" WIDTH="71" HPOS="970" VPOS="1950" ID="st22-1328"/><SP/><String HEIGHT="18" CONTENT="Paper" WIDTH="42" HPOS="1046" VPOS="1950" ID="st22-1329"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1088" VPOS="1950" ID="st22-1330"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1102" VPOS="1950" ID="st22-1331"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1184" VPOS="1950" ID="st22-1332"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1198" VPOS="1950" ID="st22-1333"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="42" HPOS="1211" VPOS="1950" ID="st22-1334"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1253" VPOS="1950" ID="st22-1335"/><String HEIGHT="18" CONTENT="//www" WIDTH="42" HPOS="1261" VPOS="1950" ID="st22-1336"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1303" VPOS="1950" ID="st22-1337"/><String HEIGHT="18" CONTENT="imf" WIDTH="25" HPOS="1312" VPOS="1950" ID="st22-1338"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1337" VPOS="1950" ID="st22-1339"/><String HEIGHT="18" CONTENT="org/external" WIDTH="101" HPOS="1346" VPOS="1950" ID="st22-1340"/><String HEIGHT="18" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="1950" ID="st22-1341"/></TextLine><TextLine HPOS="472" VPOS="1973" ID="tl22-62" WIDTH="252" HEIGHT="18"><String HEIGHT="18" CONTENT="pubs/ft/wp/2012/wp1208" WIDTH="205" HPOS="472" VPOS="1973" ID="st22-1342"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="677" VPOS="1973" ID="st22-1343"/><String HEIGHT="18" CONTENT="pdf" WIDTH="28" HPOS="686" VPOS="1973" ID="st22-1344"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="714" VPOS="1973" ID="st22-1345"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl22-63" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="21" WIDTH="32" HPOS="810" VPOS="2254" ID="st22-1346"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="23" ID="p840462" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840462" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840462" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl23-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st23-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st23-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st23-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st23-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st23-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st23-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st23-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st23-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st23-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st23-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st23-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st23-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st23-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st23-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st23-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st23-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st23-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st23-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st23-18"/></TextLine><TextLine HPOS="196" VPOS="191" ID="tl23-1" WIDTH="184" HEIGHT="34"><String HEIGHT="34" CONTENT="References" WIDTH="184" HPOS="196" VPOS="191" ID="st23-19"/></TextLine><TextLine HPOS="472" VPOS="289" ID="tl23-2" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Kumhof" WIDTH="67" HPOS="472" VPOS="289" ID="st23-20"/><String HEIGHT="19" CONTENT="," WIDTH="12" HPOS="539" VPOS="289" ID="st23-21"/><SP/><String HEIGHT="19" CONTENT="M" WIDTH="9" HPOS="556" VPOS="289" ID="st23-22"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="565" VPOS="289" ID="st23-23"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="575" VPOS="289" ID="st23-24"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="591" VPOS="289" ID="st23-25"/><SP/><String HEIGHT="19" CONTENT="Ranciere" WIDTH="73" HPOS="631" VPOS="289" ID="st23-26"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="704" VPOS="289" ID="st23-27"/><SP/><String HEIGHT="19" CONTENT="R" WIDTH="8" HPOS="719" VPOS="289" ID="st23-28"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="727" VPOS="289" ID="st23-29"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="742" VPOS="289" ID="st23-30"/><String HEIGHT="19" CONTENT="2010" WIDTH="34" HPOS="750" VPOS="289" ID="st23-31"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="784" VPOS="289" ID="st23-32"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="792" VPOS="289" ID="st23-33"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="807" VPOS="289" ID="st23-34"/><String HEIGHT="19" CONTENT="Leveraging" WIDTH="91" HPOS="816" VPOS="289" ID="st23-35"/><SP/><String HEIGHT="19" CONTENT="Inequality" WIDTH="78" HPOS="912" VPOS="289" ID="st23-36"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="990" VPOS="289" ID="st23-37"/><SP/><String HEIGHT="19" CONTENT="Long" WIDTH="41" HPOS="1003" VPOS="289" ID="st23-38"/><SP/><String HEIGHT="19" CONTENT="periods" WIDTH="60" HPOS="1050" VPOS="289" ID="st23-39"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="1115" VPOS="289" ID="st23-40"/><SP/><String HEIGHT="19" CONTENT="unequal" WIDTH="67" HPOS="1138" VPOS="289" ID="st23-41"/><SP/><String HEIGHT="19" CONTENT="incomes" WIDTH="68" HPOS="1211" VPOS="289" ID="st23-42"/><SP/><String HEIGHT="19" CONTENT="spur" WIDTH="36" HPOS="1284" VPOS="289" ID="st23-43"/><SP/><String HEIGHT="19" CONTENT="borrowing" WIDTH="86" HPOS="1325" VPOS="289" ID="st23-44"/><SP/><String HEIGHT="19" CONTENT="from" WIDTH="39" HPOS="1417" VPOS="289" ID="st23-45"/></TextLine><TextLine HPOS="472" VPOS="313" ID="tl23-3" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="472" VPOS="313" ID="st23-46"/><SP/><String HEIGHT="18" CONTENT="rich" WIDTH="28" HPOS="503" VPOS="313" ID="st23-47"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="531" VPOS="313" ID="st23-48"/><SP/><String HEIGHT="18" CONTENT="increasing" WIDTH="83" HPOS="543" VPOS="313" ID="st23-49"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="631" VPOS="313" ID="st23-50"/><SP/><String HEIGHT="18" CONTENT="risk" WIDTH="28" HPOS="662" VPOS="313" ID="st23-51"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="695" VPOS="313" ID="st23-52"/><SP/><String HEIGHT="18" CONTENT="another" WIDTH="64" HPOS="717" VPOS="313" ID="st23-53"/><SP/><String HEIGHT="18" CONTENT="major" WIDTH="47" HPOS="786" VPOS="313" ID="st23-54"/><SP/><String HEIGHT="18" CONTENT="crisis" WIDTH="41" HPOS="838" VPOS="313" ID="st23-55"/><String HEIGHT="18" CONTENT="«" WIDTH="7" HPOS="879" VPOS="313" ID="st23-56"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="886" VPOS="313" ID="st23-57"/><SP/><String HEIGHT="18" CONTENT="International" WIDTH="105" HPOS="897" VPOS="313" ID="st23-58"/><SP/><String HEIGHT="18" CONTENT="Monetary" WIDTH="80" HPOS="1007" VPOS="313" ID="st23-59"/><SP/><String HEIGHT="18" CONTENT="Fund" WIDTH="41" HPOS="1091" VPOS="313" ID="st23-60"/><SP/><String HEIGHT="18" CONTENT="Finance" WIDTH="62" HPOS="1137" VPOS="313" ID="st23-61"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1204" VPOS="313" ID="st23-62"/><SP/><String HEIGHT="18" CONTENT="Development" WIDTH="105" HPOS="1240" VPOS="313" ID="st23-63"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1345" VPOS="313" ID="st23-64"/><SP/><String HEIGHT="18" CONTENT="Vol" WIDTH="23" HPOS="1360" VPOS="313" ID="st23-65"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1383" VPOS="313" ID="st23-66"/><SP/><String HEIGHT="18" CONTENT="47" WIDTH="21" HPOS="1396" VPOS="313" ID="st23-67"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="1422" VPOS="313" ID="st23-68"/><String HEIGHT="18" CONTENT="No" WIDTH="17" HPOS="1430" VPOS="313" ID="st23-69"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="313" ID="st23-70"/></TextLine><TextLine HPOS="472" VPOS="336" ID="tl23-4" WIDTH="774" HEIGHT="19"><String HEIGHT="19" CONTENT="4" WIDTH="7" HPOS="472" VPOS="336" ID="st23-71"/><String HEIGHT="19" CONTENT=")" WIDTH="7" HPOS="479" VPOS="336" ID="st23-72"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="486" VPOS="336" ID="st23-73"/><SP/><String HEIGHT="19" CONTENT="Pp" WIDTH="17" HPOS="499" VPOS="336" ID="st23-74"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="516" VPOS="336" ID="st23-75"/><SP/><String HEIGHT="19" CONTENT="28–31" WIDTH="49" HPOS="530" VPOS="336" ID="st23-76"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="579" VPOS="336" ID="st23-77"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="594" VPOS="336" ID="st23-78"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="676" VPOS="336" ID="st23-79"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="690" VPOS="336" ID="st23-80"/><SP/><String HEIGHT="19" CONTENT="http" WIDTH="35" HPOS="703" VPOS="336" ID="st23-81"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="738" VPOS="336" ID="st23-82"/><String HEIGHT="19" CONTENT="//www" WIDTH="45" HPOS="747" VPOS="336" ID="st23-83"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="792" VPOS="336" ID="st23-84"/><String HEIGHT="19" CONTENT="imf" WIDTH="27" HPOS="800" VPOS="336" ID="st23-85"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="827" VPOS="336" ID="st23-86"/><String HEIGHT="19" CONTENT="org/external/pubs/ft/fandd/2010/12/Kumhof" WIDTH="365" HPOS="836" VPOS="336" ID="st23-87"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1201" VPOS="336" ID="st23-88"/><String HEIGHT="19" CONTENT="htm" WIDTH="27" HPOS="1210" VPOS="336" ID="st23-89"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1237" VPOS="336" ID="st23-90"/></TextLine><TextLine HPOS="472" VPOS="371" ID="tl23-5" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Kus" WIDTH="29" HPOS="472" VPOS="371" ID="st23-91"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="501" VPOS="371" ID="st23-92"/><SP/><String HEIGHT="19" CONTENT="Basak" WIDTH="48" HPOS="517" VPOS="371" ID="st23-93"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="565" VPOS="371" ID="st23-94"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="581" VPOS="371" ID="st23-95"/><String HEIGHT="19" CONTENT="2012" WIDTH="34" HPOS="589" VPOS="371" ID="st23-96"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="623" VPOS="371" ID="st23-97"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="632" VPOS="371" ID="st23-98"/><String HEIGHT="19" CONTENT="»" WIDTH="8" HPOS="647" VPOS="371" ID="st23-99"/><String HEIGHT="19" CONTENT="Financialization" WIDTH="129" HPOS="655" VPOS="371" ID="st23-100"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="790" VPOS="371" ID="st23-101"/><SP/><String HEIGHT="19" CONTENT="Income" WIDTH="61" HPOS="827" VPOS="371" ID="st23-102"/><SP/><String HEIGHT="19" CONTENT="Inequality" WIDTH="80" HPOS="894" VPOS="371" ID="st23-103"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="980" VPOS="371" ID="st23-104"/><SP/><String HEIGHT="19" CONTENT="OECD" WIDTH="50" HPOS="1001" VPOS="371" ID="st23-105"/><SP/><String HEIGHT="19" CONTENT="Nations" WIDTH="59" HPOS="1057" VPOS="371" ID="st23-106"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1116" VPOS="371" ID="st23-107"/><SP/><String HEIGHT="19" CONTENT="1995–2007" WIDTH="91" HPOS="1131" VPOS="371" ID="st23-108"/><String HEIGHT="19" CONTENT="«" WIDTH="10" HPOS="1222" VPOS="371" ID="st23-109"/><String HEIGHT="19" CONTENT="." WIDTH="11" HPOS="1232" VPOS="371" ID="st23-110"/><SP/><String HEIGHT="19" CONTENT="The" WIDTH="30" HPOS="1249" VPOS="371" ID="st23-111"/><SP/><String HEIGHT="19" CONTENT="Economic" WIDTH="80" HPOS="1285" VPOS="371" ID="st23-112"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="1371" VPOS="371" ID="st23-113"/><SP/><String HEIGHT="19" CONTENT="Social" WIDTH="47" HPOS="1409" VPOS="371" ID="st23-114"/></TextLine><TextLine HPOS="472" VPOS="395" ID="tl23-6" WIDTH="832" HEIGHT="18"><String HEIGHT="18" CONTENT="Review" WIDTH="53" HPOS="472" VPOS="395" ID="st23-115"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="525" VPOS="395" ID="st23-116"/><SP/><String HEIGHT="18" CONTENT="Vol" WIDTH="23" HPOS="540" VPOS="395" ID="st23-117"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="563" VPOS="395" ID="st23-118"/><SP/><String HEIGHT="18" CONTENT="43" WIDTH="18" HPOS="576" VPOS="395" ID="st23-119"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="594" VPOS="395" ID="st23-120"/><SP/><String HEIGHT="18" CONTENT="No" WIDTH="19" HPOS="609" VPOS="395" ID="st23-121"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="628" VPOS="395" ID="st23-122"/><SP/><String HEIGHT="18" CONTENT="4" WIDTH="8" HPOS="643" VPOS="395" ID="st23-123"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="651" VPOS="395" ID="st23-124"/><SP/><String HEIGHT="18" CONTENT="Winter" WIDTH="57" HPOS="665" VPOS="395" ID="st23-125"/><SP/><String HEIGHT="18" CONTENT="2012" WIDTH="39" HPOS="727" VPOS="395" ID="st23-126"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="766" VPOS="395" ID="st23-127"/><SP/><String HEIGHT="18" CONTENT="pp" WIDTH="18" HPOS="781" VPOS="395" ID="st23-128"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="799" VPOS="395" ID="st23-129"/><SP/><String HEIGHT="18" CONTENT="477–495" WIDTH="70" HPOS="814" VPOS="395" ID="st23-130"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="884" VPOS="395" ID="st23-131"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="899" VPOS="395" ID="st23-132"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="981" VPOS="395" ID="st23-133"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="995" VPOS="395" ID="st23-134"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="43" HPOS="1008" VPOS="395" ID="st23-135"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1051" VPOS="395" ID="st23-136"/><String HEIGHT="18" CONTENT="//ssrn" WIDTH="52" HPOS="1060" VPOS="395" ID="st23-137"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1112" VPOS="395" ID="st23-138"/><String HEIGHT="18" CONTENT="com/abstract" WIDTH="104" HPOS="1121" VPOS="395" ID="st23-139"/><String HEIGHT="18" CONTENT="=" WIDTH="9" HPOS="1225" VPOS="395" ID="st23-140"/><String HEIGHT="18" CONTENT="2290720" WIDTH="61" HPOS="1234" VPOS="395" ID="st23-141"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1295" VPOS="395" ID="st23-142"/></TextLine><TextLine HPOS="472" VPOS="430" ID="tl23-7" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Landsbergis" WIDTH="105" HPOS="472" VPOS="430" ID="st23-143"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="577" VPOS="430" ID="st23-144"/><SP/><String HEIGHT="18" CONTENT="P" WIDTH="6" HPOS="596" VPOS="430" ID="st23-145"/><String HEIGHT="18" CONTENT="." WIDTH="6" HPOS="602" VPOS="430" ID="st23-146"/><String HEIGHT="18" CONTENT="," WIDTH="7" HPOS="608" VPOS="430" ID="st23-147"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="34" HPOS="624" VPOS="430" ID="st23-148"/><SP/><String HEIGHT="18" CONTENT="Cahill" WIDTH="48" HPOS="667" VPOS="430" ID="st23-149"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="715" VPOS="430" ID="st23-150"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="733" VPOS="430" ID="st23-151"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="739" VPOS="430" ID="st23-152"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="755" VPOS="430" ID="st23-153"/><String HEIGHT="18" CONTENT="1994" WIDTH="34" HPOS="763" VPOS="430" ID="st23-154"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="797" VPOS="430" ID="st23-155"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="806" VPOS="430" ID="st23-156"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="824" VPOS="430" ID="st23-157"/><String HEIGHT="18" CONTENT="Labor" WIDTH="48" HPOS="833" VPOS="430" ID="st23-158"/><SP/><String HEIGHT="18" CONTENT="Union" WIDTH="50" HPOS="890" VPOS="430" ID="st23-159"/><SP/><String HEIGHT="18" CONTENT="Programs" WIDTH="78" HPOS="949" VPOS="430" ID="st23-160"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="18" HPOS="1036" VPOS="430" ID="st23-161"/><SP/><String HEIGHT="18" CONTENT="Reduce" WIDTH="61" HPOS="1063" VPOS="430" ID="st23-162"/><SP/><String HEIGHT="18" CONTENT="or" WIDTH="17" HPOS="1133" VPOS="430" ID="st23-163"/><SP/><String HEIGHT="18" CONTENT="Prevent" WIDTH="62" HPOS="1159" VPOS="430" ID="st23-164"/><SP/><String HEIGHT="18" CONTENT="Occupational" WIDTH="109" HPOS="1230" VPOS="430" ID="st23-165"/><SP/><String HEIGHT="18" CONTENT="Stress" WIDTH="48" HPOS="1348" VPOS="430" ID="st23-166"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1405" VPOS="430" ID="st23-167"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1429" VPOS="430" ID="st23-168"/></TextLine><TextLine HPOS="472" VPOS="453" ID="tl23-8" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="United" WIDTH="55" HPOS="472" VPOS="453" ID="st23-169"/><SP/><String HEIGHT="18" CONTENT="States" WIDTH="49" HPOS="535" VPOS="453" ID="st23-170"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="584" VPOS="453" ID="st23-171"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="592" VPOS="453" ID="st23-172"/><SP/><String HEIGHT="18" CONTENT="International" WIDTH="105" HPOS="608" VPOS="453" ID="st23-173"/><SP/><String HEIGHT="18" CONTENT="Journal" WIDTH="59" HPOS="721" VPOS="453" ID="st23-174"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="788" VPOS="453" ID="st23-175"/><SP/><String HEIGHT="18" CONTENT="Health" WIDTH="54" HPOS="813" VPOS="453" ID="st23-176"/><SP/><String HEIGHT="18" CONTENT="Services" WIDTH="62" HPOS="875" VPOS="453" ID="st23-177"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="937" VPOS="453" ID="st23-178"/><SP/><String HEIGHT="18" CONTENT="Vol" WIDTH="23" HPOS="953" VPOS="453" ID="st23-179"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="976" VPOS="453" ID="st23-180"/><SP/><String HEIGHT="18" CONTENT="24" WIDTH="18" HPOS="992" VPOS="453" ID="st23-181"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="1010" VPOS="453" ID="st23-182"/><SP/><String HEIGHT="18" CONTENT="Issue" WIDTH="40" HPOS="1027" VPOS="453" ID="st23-183"/><SP/><String HEIGHT="18" CONTENT="1" WIDTH="8" HPOS="1075" VPOS="453" ID="st23-184"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="1083" VPOS="453" ID="st23-185"/><SP/><String HEIGHT="18" CONTENT="pp" WIDTH="18" HPOS="1099" VPOS="453" ID="st23-186"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1117" VPOS="453" ID="st23-187"/><SP/><String HEIGHT="18" CONTENT="105–129" WIDTH="70" HPOS="1133" VPOS="453" ID="st23-188"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1203" VPOS="453" ID="st23-189"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1221" VPOS="453" ID="st23-190"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1306" VPOS="453" ID="st23-191"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1320" VPOS="453" ID="st23-192"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="30" HPOS="1335" VPOS="453" ID="st23-193"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1365" VPOS="453" ID="st23-194"/><String HEIGHT="18" CONTENT="//journals" WIDTH="76" HPOS="1372" VPOS="453" ID="st23-195"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1448" VPOS="453" ID="st23-196"/></TextLine><TextLine HPOS="472" VPOS="476" ID="tl23-9" WIDTH="961" HEIGHT="19"><String HEIGHT="19" CONTENT="sagepub" WIDTH="62" HPOS="472" VPOS="476" ID="st23-197"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="534" VPOS="476" ID="st23-198"/><String HEIGHT="19" CONTENT="com/doi/abs/10" WIDTH="126" HPOS="543" VPOS="476" ID="st23-199"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="669" VPOS="476" ID="st23-200"/><String HEIGHT="19" CONTENT="2190/501D" WIDTH="81" HPOS="678" VPOS="476" ID="st23-201"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="759" VPOS="476" ID="st23-202"/><String HEIGHT="19" CONTENT="4E1P" WIDTH="36" HPOS="768" VPOS="476" ID="st23-203"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="804" VPOS="476" ID="st23-204"/><String HEIGHT="19" CONTENT="260K" WIDTH="36" HPOS="813" VPOS="476" ID="st23-205"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="849" VPOS="476" ID="st23-206"/><String HEIGHT="19" CONTENT="2500" WIDTH="36" HPOS="858" VPOS="476" ID="st23-207"/><String HEIGHT="19" CONTENT="?" WIDTH="9" HPOS="894" VPOS="476" ID="st23-208"/><String HEIGHT="19" CONTENT="url" WIDTH="27" HPOS="903" VPOS="476" ID="st23-209"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="930" VPOS="476" ID="st23-210"/><String HEIGHT="19" CONTENT="ver" WIDTH="26" HPOS="939" VPOS="476" ID="st23-211"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="965" VPOS="476" ID="st23-212"/><String HEIGHT="19" CONTENT="Z39" WIDTH="27" HPOS="974" VPOS="476" ID="st23-213"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1001" VPOS="476" ID="st23-214"/><String HEIGHT="19" CONTENT="88" WIDTH="18" HPOS="1010" VPOS="476" ID="st23-215"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1028" VPOS="476" ID="st23-216"/><String HEIGHT="19" CONTENT="2003" WIDTH="36" HPOS="1037" VPOS="476" ID="st23-217"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="9" HPOS="1073" VPOS="476" ID="st23-218"/><String HEIGHT="19" CONTENT="rfr" WIDTH="27" HPOS="1082" VPOS="476" ID="st23-219"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1109" VPOS="476" ID="st23-220"/><String HEIGHT="19" CONTENT="id" WIDTH="18" HPOS="1118" VPOS="476" ID="st23-221"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="1136" VPOS="476" ID="st23-222"/><String HEIGHT="19" CONTENT="ori" WIDTH="27" HPOS="1145" VPOS="476" ID="st23-223"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1172" VPOS="476" ID="st23-224"/><String HEIGHT="19" CONTENT="rid" WIDTH="27" HPOS="1181" VPOS="476" ID="st23-225"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1208" VPOS="476" ID="st23-226"/><String HEIGHT="19" CONTENT="crossref" WIDTH="72" HPOS="1217" VPOS="476" ID="st23-227"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1289" VPOS="476" ID="st23-228"/><String HEIGHT="19" CONTENT="org" WIDTH="27" HPOS="1298" VPOS="476" ID="st23-229"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="9" HPOS="1325" VPOS="476" ID="st23-230"/><String HEIGHT="19" CONTENT="rfr" WIDTH="27" HPOS="1334" VPOS="476" ID="st23-231"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1361" VPOS="476" ID="st23-232"/><String HEIGHT="19" CONTENT="dat" WIDTH="27" HPOS="1370" VPOS="476" ID="st23-233"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="1397" VPOS="476" ID="st23-234"/><String HEIGHT="19" CONTENT="cr" WIDTH="18" HPOS="1406" VPOS="476" ID="st23-235"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="1424" VPOS="476" ID="st23-236"/></TextLine><TextLine HPOS="472" VPOS="500" ID="tl23-10" WIDTH="148" HEIGHT="18"><String HEIGHT="18" CONTENT="pub" WIDTH="34" HPOS="472" VPOS="500" ID="st23-237"/><String HEIGHT="18" CONTENT="%" WIDTH="11" HPOS="506" VPOS="500" ID="st23-238"/><String HEIGHT="18" CONTENT="3dpubmed" WIDTH="91" HPOS="517" VPOS="500" ID="st23-239"/><String HEIGHT="18" CONTENT="." WIDTH="12" HPOS="608" VPOS="500" ID="st23-240"/></TextLine><TextLine HPOS="472" VPOS="535" ID="tl23-11" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Lipton" WIDTH="54" HPOS="472" VPOS="535" ID="st23-241"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="526" VPOS="535" ID="st23-242"/><SP/><String HEIGHT="18" CONTENT="E" WIDTH="8" HPOS="541" VPOS="535" ID="st23-243"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="549" VPOS="535" ID="st23-244"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="563" VPOS="535" ID="st23-245"/><String HEIGHT="18" CONTENT="14" WIDTH="18" HPOS="572" VPOS="535" ID="st23-246"/><SP/><String HEIGHT="18" CONTENT="November" WIDTH="85" HPOS="596" VPOS="535" ID="st23-247"/><SP/><String HEIGHT="18" CONTENT="2008" WIDTH="36" HPOS="687" VPOS="535" ID="st23-248"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="723" VPOS="535" ID="st23-249"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="732" VPOS="535" ID="st23-250"/><String HEIGHT="18" CONTENT="»" WIDTH="12" HPOS="746" VPOS="535" ID="st23-251"/><String HEIGHT="18" CONTENT="Gramm" WIDTH="62" HPOS="758" VPOS="535" ID="st23-252"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="825" VPOS="535" ID="st23-253"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="862" VPOS="535" ID="st23-254"/><SP/><String HEIGHT="18" CONTENT="›Enron" WIDTH="54" HPOS="895" VPOS="535" ID="st23-255"/><SP/><String HEIGHT="18" CONTENT="Loophole‹" WIDTH="81" HPOS="954" VPOS="535" ID="st23-256"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1035" VPOS="535" ID="st23-257"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1044" VPOS="535" ID="st23-258"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="1058" VPOS="535" ID="st23-259"/><SP/><String HEIGHT="18" CONTENT="New" WIDTH="38" HPOS="1094" VPOS="535" ID="st23-260"/><SP/><String HEIGHT="18" CONTENT="York" WIDTH="38" HPOS="1137" VPOS="535" ID="st23-261"/><SP/><String HEIGHT="18" CONTENT="Times" WIDTH="44" HPOS="1180" VPOS="535" ID="st23-262"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1224" VPOS="535" ID="st23-263"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="1239" VPOS="535" ID="st23-264"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1321" VPOS="535" ID="st23-265"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1335" VPOS="535" ID="st23-266"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="45" HPOS="1348" VPOS="535" ID="st23-267"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1393" VPOS="535" ID="st23-268"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="1402" VPOS="535" ID="st23-269"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="535" ID="st23-270"/></TextLine><TextLine HPOS="472" VPOS="558" ID="tl23-12" WIDTH="604" HEIGHT="19"><String HEIGHT="19" CONTENT="nytimes" WIDTH="63" HPOS="472" VPOS="558" ID="st23-271"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="535" VPOS="558" ID="st23-272"/><String HEIGHT="19" CONTENT="com/2008/11/17/business/17grammside" WIDTH="315" HPOS="544" VPOS="558" ID="st23-273"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="859" VPOS="558" ID="st23-274"/><String HEIGHT="19" CONTENT="html" WIDTH="36" HPOS="868" VPOS="558" ID="st23-275"/><String HEIGHT="19" CONTENT="#" WIDTH="9" HPOS="904" VPOS="558" ID="st23-276"/><String HEIGHT="19" CONTENT="story" WIDTH="45" HPOS="913" VPOS="558" ID="st23-277"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="958" VPOS="558" ID="st23-278"/><String HEIGHT="19" CONTENT="continues" WIDTH="81" HPOS="967" VPOS="558" ID="st23-279"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1048" VPOS="558" ID="st23-280"/><String HEIGHT="19" CONTENT="1" WIDTH="9" HPOS="1057" VPOS="558" ID="st23-281"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1066" VPOS="558" ID="st23-282"/></TextLine><TextLine HPOS="472" VPOS="593" ID="tl23-13" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Mannocci" WIDTH="81" HPOS="472" VPOS="593" ID="st23-283"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="553" VPOS="593" ID="st23-284"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="8" HPOS="568" VPOS="593" ID="st23-285"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="576" VPOS="593" ID="st23-286"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="584" VPOS="593" ID="st23-287"/><SP/><String HEIGHT="19" CONTENT="Marchini" WIDTH="75" HPOS="597" VPOS="593" ID="st23-288"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="672" VPOS="593" ID="st23-289"/><SP/><String HEIGHT="19" CONTENT="L" WIDTH="6" HPOS="686" VPOS="593" ID="st23-290"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="692" VPOS="593" ID="st23-291"/><String HEIGHT="19" CONTENT="," WIDTH="7" HPOS="699" VPOS="593" ID="st23-292"/><SP/><String HEIGHT="19" CONTENT="Scognamiglio" WIDTH="118" HPOS="710" VPOS="593" ID="st23-293"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="828" VPOS="593" ID="st23-294"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="8" HPOS="842" VPOS="593" ID="st23-295"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="850" VPOS="593" ID="st23-296"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="858" VPOS="593" ID="st23-297"/><SP/><String HEIGHT="19" CONTENT="Sinopoli" WIDTH="70" HPOS="871" VPOS="593" ID="st23-298"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="941" VPOS="593" ID="st23-299"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="8" HPOS="954" VPOS="593" ID="st23-300"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="962" VPOS="593" ID="st23-301"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="970" VPOS="593" ID="st23-302"/><SP/><String HEIGHT="19" CONTENT="De" WIDTH="25" HPOS="983" VPOS="593" ID="st23-303"/><SP/><String HEIGHT="19" CONTENT="Sio" WIDTH="24" HPOS="1012" VPOS="593" ID="st23-304"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1036" VPOS="593" ID="st23-305"/><SP/><String HEIGHT="19" CONTENT="S" WIDTH="7" HPOS="1049" VPOS="593" ID="st23-306"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="1056" VPOS="593" ID="st23-307"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="1063" VPOS="593" ID="st23-308"/><SP/><String HEIGHT="19" CONTENT="Sernia" WIDTH="53" HPOS="1075" VPOS="593" ID="st23-309"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1128" VPOS="593" ID="st23-310"/><SP/><String HEIGHT="19" CONTENT="S" WIDTH="7" HPOS="1141" VPOS="593" ID="st23-311"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="1148" VPOS="593" ID="st23-312"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="1155" VPOS="593" ID="st23-313"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="1167" VPOS="593" ID="st23-314"/><SP/><String HEIGHT="19" CONTENT="La" WIDTH="21" HPOS="1205" VPOS="593" ID="st23-315"/><SP/><String HEIGHT="19" CONTENT="Torre" WIDTH="42" HPOS="1230" VPOS="593" ID="st23-316"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1272" VPOS="593" ID="st23-317"/><SP/><String HEIGHT="19" CONTENT="G" WIDTH="10" HPOS="1285" VPOS="593" ID="st23-318"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1295" VPOS="593" ID="st23-319"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="1309" VPOS="593" ID="st23-320"/><String HEIGHT="19" CONTENT="2018" WIDTH="34" HPOS="1317" VPOS="593" ID="st23-321"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="1351" VPOS="593" ID="st23-322"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1359" VPOS="593" ID="st23-323"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="1372" VPOS="593" ID="st23-324"/><String HEIGHT="19" CONTENT="Are" WIDTH="30" HPOS="1381" VPOS="593" ID="st23-325"/><SP/><String HEIGHT="19" CONTENT="Bank" WIDTH="41" HPOS="1415" VPOS="593" ID="st23-326"/></TextLine><TextLine HPOS="472" VPOS="617" ID="tl23-14" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Employees" WIDTH="87" HPOS="472" VPOS="617" ID="st23-327"/><SP/><String HEIGHT="18" CONTENT="Stressed" WIDTH="69" HPOS="565" VPOS="617" ID="st23-328"/><String HEIGHT="18" CONTENT="?" WIDTH="9" HPOS="634" VPOS="617" ID="st23-329"/><SP/><String HEIGHT="18" CONTENT="Job" WIDTH="29" HPOS="648" VPOS="617" ID="st23-330"/><SP/><String HEIGHT="18" CONTENT="Perception" WIDTH="87" HPOS="682" VPOS="617" ID="st23-331"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="775" VPOS="617" ID="st23-332"/><SP/><String HEIGHT="18" CONTENT="Positivity" WIDTH="72" HPOS="812" VPOS="617" ID="st23-333"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="889" VPOS="617" ID="st23-334"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="910" VPOS="617" ID="st23-335"/><SP/><String HEIGHT="18" CONTENT="Banking" WIDTH="67" HPOS="943" VPOS="617" ID="st23-336"/><SP/><String HEIGHT="18" CONTENT="Sector" WIDTH="48" HPOS="1016" VPOS="617" ID="st23-337"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1064" VPOS="617" ID="st23-338"/><SP/><String HEIGHT="18" CONTENT="An" WIDTH="24" HPOS="1079" VPOS="617" ID="st23-339"/><SP/><String HEIGHT="18" CONTENT="Italian" WIDTH="50" HPOS="1108" VPOS="617" ID="st23-340"/><SP/><String HEIGHT="18" CONTENT="Observational" WIDTH="113" HPOS="1164" VPOS="617" ID="st23-341"/><SP/><String HEIGHT="18" CONTENT="Study" WIDTH="45" HPOS="1283" VPOS="617" ID="st23-342"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1328" VPOS="617" ID="st23-343"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1337" VPOS="617" ID="st23-344"/><SP/><String HEIGHT="18" CONTENT="International" WIDTH="105" HPOS="1351" VPOS="617" ID="st23-345"/></TextLine><TextLine HPOS="472" VPOS="640" ID="tl23-15" WIDTH="973" HEIGHT="18"><String HEIGHT="18" CONTENT="Journal" WIDTH="59" HPOS="472" VPOS="640" ID="st23-346"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="537" VPOS="640" ID="st23-347"/><SP/><String HEIGHT="18" CONTENT="Environmental" WIDTH="119" HPOS="559" VPOS="640" ID="st23-348"/><SP/><String HEIGHT="18" CONTENT="Research" WIDTH="73" HPOS="684" VPOS="640" ID="st23-349"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="763" VPOS="640" ID="st23-350"/><SP/><String HEIGHT="18" CONTENT="Public" WIDTH="49" HPOS="799" VPOS="640" ID="st23-351"/><SP/><String HEIGHT="18" CONTENT="Health" WIDTH="51" HPOS="853" VPOS="640" ID="st23-352"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="904" VPOS="640" ID="st23-353"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="918" VPOS="640" ID="st23-354"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1000" VPOS="640" ID="st23-355"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1014" VPOS="640" ID="st23-356"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="46" HPOS="1027" VPOS="640" ID="st23-357"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1073" VPOS="640" ID="st23-358"/><String HEIGHT="18" CONTENT="//www" WIDTH="47" HPOS="1082" VPOS="640" ID="st23-359"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1129" VPOS="640" ID="st23-360"/><String HEIGHT="18" CONTENT="ncbi" WIDTH="37" HPOS="1138" VPOS="640" ID="st23-361"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1175" VPOS="640" ID="st23-362"/><String HEIGHT="18" CONTENT="nlm" WIDTH="28" HPOS="1184" VPOS="640" ID="st23-363"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1212" VPOS="640" ID="st23-364"/><String HEIGHT="18" CONTENT="nih" WIDTH="27" HPOS="1222" VPOS="640" ID="st23-365"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1249" VPOS="640" ID="st23-366"/><String HEIGHT="18" CONTENT="gov/pubmed/29642586" WIDTH="176" HPOS="1259" VPOS="640" ID="st23-367"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1435" VPOS="640" ID="st23-368"/></TextLine><TextLine HPOS="472" VPOS="675" ID="tl23-16" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Martin" WIDTH="57" HPOS="472" VPOS="675" ID="st23-369"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="529" VPOS="675" ID="st23-370"/><SP/><String HEIGHT="19" CONTENT="M" WIDTH="12" HPOS="545" VPOS="675" ID="st23-371"/><String HEIGHT="19" CONTENT="." WIDTH="12" HPOS="557" VPOS="675" ID="st23-372"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="576" VPOS="675" ID="st23-373"/><String HEIGHT="19" CONTENT="7" WIDTH="8" HPOS="584" VPOS="675" ID="st23-374"/><SP/><String HEIGHT="19" CONTENT="April" WIDTH="38" HPOS="599" VPOS="675" ID="st23-375"/><SP/><String HEIGHT="19" CONTENT="1998" WIDTH="36" HPOS="644" VPOS="675" ID="st23-376"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="680" VPOS="675" ID="st23-377"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="689" VPOS="675" ID="st23-378"/><String HEIGHT="19" CONTENT="»" WIDTH="8" HPOS="705" VPOS="675" ID="st23-379"/><String HEIGHT="19" CONTENT="Citicorp" WIDTH="67" HPOS="713" VPOS="675" ID="st23-380"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="787" VPOS="675" ID="st23-381"/><SP/><String HEIGHT="19" CONTENT="Travelers" WIDTH="70" HPOS="825" VPOS="675" ID="st23-382"/><SP/><String HEIGHT="19" CONTENT="Plan" WIDTH="34" HPOS="902" VPOS="675" ID="st23-383"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="943" VPOS="675" ID="st23-384"/><SP/><String HEIGHT="19" CONTENT="Merge" WIDTH="54" HPOS="967" VPOS="675" ID="st23-385"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="1027" VPOS="675" ID="st23-386"/><SP/><String HEIGHT="19" CONTENT="Record" WIDTH="57" HPOS="1049" VPOS="675" ID="st23-387"/><String HEIGHT="19" CONTENT="$" WIDTH="11" HPOS="1112" VPOS="675" ID="st23-388"/><String HEIGHT="19" CONTENT="70" WIDTH="22" HPOS="1123" VPOS="675" ID="st23-389"/><SP/><String HEIGHT="19" CONTENT="Billion" WIDTH="50" HPOS="1151" VPOS="675" ID="st23-390"/><SP/><String HEIGHT="19" CONTENT="Deal" WIDTH="37" HPOS="1207" VPOS="675" ID="st23-391"/><String HEIGHT="19" CONTENT=":" WIDTH="5" HPOS="1251" VPOS="675" ID="st23-392"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="13" HPOS="1263" VPOS="675" ID="st23-393"/><SP/><String HEIGHT="19" CONTENT="New" WIDTH="38" HPOS="1282" VPOS="675" ID="st23-394"/><SP/><String HEIGHT="19" CONTENT="No" WIDTH="20" HPOS="1326" VPOS="675" ID="st23-395"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1346" VPOS="675" ID="st23-396"/><SP/><String HEIGHT="19" CONTENT="1" WIDTH="8" HPOS="1362" VPOS="675" ID="st23-397"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1370" VPOS="675" ID="st23-398"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="71" HPOS="1385" VPOS="675" ID="st23-399"/></TextLine><TextLine HPOS="472" VPOS="698" ID="tl23-17" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Giants" WIDTH="53" HPOS="472" VPOS="698" ID="st23-400"/><SP/><String HEIGHT="19" CONTENT="Unite" WIDTH="42" HPOS="533" VPOS="698" ID="st23-401"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="575" VPOS="698" ID="st23-402"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="584" VPOS="698" ID="st23-403"/><SP/><String HEIGHT="19" CONTENT="The" WIDTH="31" HPOS="601" VPOS="698" ID="st23-404"/><SP/><String HEIGHT="19" CONTENT="New" WIDTH="38" HPOS="640" VPOS="698" ID="st23-405"/><SP/><String HEIGHT="19" CONTENT="York" WIDTH="37" HPOS="686" VPOS="698" ID="st23-406"/><SP/><String HEIGHT="19" CONTENT="Times" WIDTH="44" HPOS="731" VPOS="698" ID="st23-407"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="775" VPOS="698" ID="st23-408"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="792" VPOS="698" ID="st23-409"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="877" VPOS="698" ID="st23-410"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="891" VPOS="698" ID="st23-411"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="43" HPOS="906" VPOS="698" ID="st23-412"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="949" VPOS="698" ID="st23-413"/><String HEIGHT="19" CONTENT="//www" WIDTH="44" HPOS="958" VPOS="698" ID="st23-414"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1002" VPOS="698" ID="st23-415"/><String HEIGHT="19" CONTENT="nytimes" WIDTH="61" HPOS="1010" VPOS="698" ID="st23-416"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1071" VPOS="698" ID="st23-417"/><String HEIGHT="19" CONTENT="com/1998/04/07/news/citicorp" WIDTH="245" HPOS="1080" VPOS="698" ID="st23-418"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1325" VPOS="698" ID="st23-419"/><String HEIGHT="19" CONTENT="and" WIDTH="26" HPOS="1333" VPOS="698" ID="st23-420"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1359" VPOS="698" ID="st23-421"/><String HEIGHT="19" CONTENT="travelers" WIDTH="80" HPOS="1368" VPOS="698" ID="st23-422" SUBS_TYPE="HypPart1" SUBS_CONTENT="travelersplan"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="698" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="722" ID="tl23-18" WIDTH="459" HEIGHT="18"><String HEIGHT="18" CONTENT="plan" WIDTH="34" HPOS="472" VPOS="722" ID="st23-423" SUBS_TYPE="HypPart2" SUBS_CONTENT="travelersplan"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="506" VPOS="722" ID="st23-424"/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="514" VPOS="722" ID="st23-425"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="531" VPOS="722" ID="st23-426"/><String HEIGHT="18" CONTENT="merge" WIDTH="42" HPOS="540" VPOS="722" ID="st23-427"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="582" VPOS="722" ID="st23-428"/><String HEIGHT="18" CONTENT="in" WIDTH="17" HPOS="591" VPOS="722" ID="st23-429"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="608" VPOS="722" ID="st23-430"/><String HEIGHT="18" CONTENT="record" WIDTH="51" HPOS="616" VPOS="722" ID="st23-431"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="667" VPOS="722" ID="st23-432"/><String HEIGHT="18" CONTENT="70" WIDTH="17" HPOS="676" VPOS="722" ID="st23-433"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="693" VPOS="722" ID="st23-434"/><String HEIGHT="18" CONTENT="billion" WIDTH="60" HPOS="701" VPOS="722" ID="st23-435"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="761" VPOS="722" ID="st23-436"/><String HEIGHT="18" CONTENT="deal" WIDTH="34" HPOS="769" VPOS="722" ID="st23-437"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="803" VPOS="722" ID="st23-438"/><String HEIGHT="18" CONTENT="a" WIDTH="8" HPOS="812" VPOS="722" ID="st23-439"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="820" VPOS="722" ID="st23-440"/><String HEIGHT="18" CONTENT="new" WIDTH="25" HPOS="829" VPOS="722" ID="st23-441"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="854" VPOS="722" ID="st23-442"/><String HEIGHT="18" CONTENT="no" WIDTH="17" HPOS="863" VPOS="722" ID="st23-443"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="880" VPOS="722" ID="st23-444"/><String HEIGHT="18" CONTENT="html" WIDTH="34" HPOS="888" VPOS="722" ID="st23-445"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="922" VPOS="722" ID="st23-446"/></TextLine><TextLine HPOS="472" VPOS="757" ID="tl23-19" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="McNulty" WIDTH="70" HPOS="472" VPOS="757" ID="st23-447"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="542" VPOS="757" ID="st23-448"/><SP/><String HEIGHT="18" CONTENT="L" WIDTH="7" HPOS="557" VPOS="757" ID="st23-449"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="564" VPOS="757" ID="st23-450"/><String HEIGHT="18" CONTENT="," WIDTH="7" HPOS="571" VPOS="757" ID="st23-451"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="34" HPOS="583" VPOS="757" ID="st23-452"/><SP/><String HEIGHT="18" CONTENT="Zuckerman" WIDTH="95" HPOS="622" VPOS="757" ID="st23-453"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="717" VPOS="757" ID="st23-454"/><SP/><String HEIGHT="18" CONTENT="G" WIDTH="10" HPOS="733" VPOS="757" ID="st23-455"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="743" VPOS="757" ID="st23-456"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="758" VPOS="757" ID="st23-457"/><String HEIGHT="18" CONTENT="23" WIDTH="18" HPOS="767" VPOS="757" ID="st23-458"/><SP/><String HEIGHT="18" CONTENT="February" WIDTH="71" HPOS="790" VPOS="757" ID="st23-459"/><SP/><String HEIGHT="18" CONTENT="2016" WIDTH="36" HPOS="866" VPOS="757" ID="st23-460"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="902" VPOS="757" ID="st23-461"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="911" VPOS="757" ID="st23-462"/><String HEIGHT="18" CONTENT="»" WIDTH="7" HPOS="925" VPOS="757" ID="st23-463"/><String HEIGHT="18" CONTENT="J" WIDTH="7" HPOS="932" VPOS="757" ID="st23-464"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="939" VPOS="757" ID="st23-465"/><String HEIGHT="18" CONTENT="P" WIDTH="7" HPOS="946" VPOS="757" ID="st23-466"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="953" VPOS="757" ID="st23-467"/><SP/><String HEIGHT="18" CONTENT="Morgan" WIDTH="57" HPOS="965" VPOS="757" ID="st23-468"/><String HEIGHT="18" CONTENT="’" WIDTH="9" HPOS="1022" VPOS="757" ID="st23-469"/><String HEIGHT="18" CONTENT="s" WIDTH="10" HPOS="1031" VPOS="757" ID="st23-470"/><SP/><String HEIGHT="18" CONTENT="›London" WIDTH="69" HPOS="1046" VPOS="757" ID="st23-471"/><SP/><String HEIGHT="18" CONTENT="Whale‹" WIDTH="59" HPOS="1119" VPOS="757" ID="st23-472"/><SP/><String HEIGHT="18" CONTENT="spouts" WIDTH="54" HPOS="1183" VPOS="757" ID="st23-473"/><SP/><String HEIGHT="18" CONTENT="off" WIDTH="21" HPOS="1242" VPOS="757" ID="st23-474"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1263" VPOS="757" ID="st23-475"/><SP/><String HEIGHT="18" CONTENT="›For" WIDTH="31" HPOS="1276" VPOS="757" ID="st23-476"/><SP/><String HEIGHT="18" CONTENT="no" WIDTH="22" HPOS="1312" VPOS="757" ID="st23-477"/><SP/><String HEIGHT="18" CONTENT="good" WIDTH="43" HPOS="1339" VPOS="757" ID="st23-478"/><SP/><String HEIGHT="18" CONTENT="reason" WIDTH="51" HPOS="1387" VPOS="757" ID="st23-479"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="1438" VPOS="757" ID="st23-480"/><SP/><String HEIGHT="18" CONTENT="I" WIDTH="4" HPOS="1452" VPOS="757" ID="st23-481"/></TextLine><TextLine HPOS="472" VPOS="780" ID="tl23-20" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="was" WIDTH="32" HPOS="472" VPOS="780" ID="st23-482"/><SP/><String HEIGHT="19" CONTENT="singled" WIDTH="59" HPOS="510" VPOS="780" ID="st23-483"/><SP/><String HEIGHT="19" CONTENT="out‹" WIDTH="33" HPOS="574" VPOS="780" ID="st23-484"/><String HEIGHT="19" CONTENT="«" WIDTH="8" HPOS="607" VPOS="780" ID="st23-485"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="615" VPOS="780" ID="st23-486"/><SP/><String HEIGHT="19" CONTENT="MarketWatch" WIDTH="108" HPOS="630" VPOS="780" ID="st23-487"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="738" VPOS="780" ID="st23-488"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="754" VPOS="780" ID="st23-489"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="837" VPOS="780" ID="st23-490"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="851" VPOS="780" ID="st23-491"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="45" HPOS="864" VPOS="780" ID="st23-492"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="909" VPOS="780" ID="st23-493"/><String HEIGHT="19" CONTENT="//www" WIDTH="46" HPOS="918" VPOS="780" ID="st23-494"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="964" VPOS="780" ID="st23-495"/><String HEIGHT="19" CONTENT="marketwatch" WIDTH="100" HPOS="973" VPOS="780" ID="st23-496"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1073" VPOS="780" ID="st23-497"/><String HEIGHT="19" CONTENT="com/story/jp" WIDTH="109" HPOS="1082" VPOS="780" ID="st23-498"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1191" VPOS="780" ID="st23-499"/><String HEIGHT="19" CONTENT="morgans" WIDTH="64" HPOS="1200" VPOS="780" ID="st23-500"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1264" VPOS="780" ID="st23-501"/><String HEIGHT="19" CONTENT="london" WIDTH="55" HPOS="1273" VPOS="780" ID="st23-502"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1328" VPOS="780" ID="st23-503"/><String HEIGHT="19" CONTENT="whale" WIDTH="46" HPOS="1337" VPOS="780" ID="st23-504"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1383" VPOS="780" ID="st23-505"/><String HEIGHT="19" CONTENT="speaks" WIDTH="55" HPOS="1392" VPOS="780" ID="st23-506" SUBS_TYPE="HypPart1" SUBS_CONTENT="speaksout"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="780" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="804" ID="tl23-21" WIDTH="457" HEIGHT="18"><String HEIGHT="18" CONTENT="out" WIDTH="26" HPOS="472" VPOS="804" ID="st23-507" SUBS_TYPE="HypPart2" SUBS_CONTENT="speaksout"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="498" VPOS="804" ID="st23-508"/><String HEIGHT="18" CONTENT="for" WIDTH="26" HPOS="507" VPOS="804" ID="st23-509"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="533" VPOS="804" ID="st23-510"/><String HEIGHT="18" CONTENT="no" WIDTH="17" HPOS="542" VPOS="804" ID="st23-511"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="559" VPOS="804" ID="st23-512"/><String HEIGHT="18" CONTENT="good" WIDTH="35" HPOS="568" VPOS="804" ID="st23-513"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="603" VPOS="804" ID="st23-514"/><String HEIGHT="18" CONTENT="reason" WIDTH="53" HPOS="612" VPOS="804" ID="st23-515"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="665" VPOS="804" ID="st23-516"/><String HEIGHT="18" CONTENT="i" WIDTH="8" HPOS="674" VPOS="804" ID="st23-517"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="682" VPOS="804" ID="st23-518"/><String HEIGHT="18" CONTENT="was" WIDTH="27" HPOS="691" VPOS="804" ID="st23-519"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="718" VPOS="804" ID="st23-520"/><String HEIGHT="18" CONTENT="singled" WIDTH="62" HPOS="726" VPOS="804" ID="st23-521"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="788" VPOS="804" ID="st23-522"/><String HEIGHT="18" CONTENT="out" WIDTH="26" HPOS="797" VPOS="804" ID="st23-523"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="823" VPOS="804" ID="st23-524"/><String HEIGHT="18" CONTENT="2016" WIDTH="35" HPOS="832" VPOS="804" ID="st23-525"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="867" VPOS="804" ID="st23-526"/><String HEIGHT="18" CONTENT="02" WIDTH="17" HPOS="876" VPOS="804" ID="st23-527"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="893" VPOS="804" ID="st23-528"/><String HEIGHT="18" CONTENT="23" WIDTH="18" HPOS="902" VPOS="804" ID="st23-529"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="920" VPOS="804" ID="st23-530"/></TextLine><TextLine HPOS="472" VPOS="839" ID="tl23-22" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Mishel" WIDTH="56" HPOS="472" VPOS="839" ID="st23-531"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="528" VPOS="839" ID="st23-532"/><SP/><String HEIGHT="18" CONTENT="L" WIDTH="6" HPOS="544" VPOS="839" ID="st23-533"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="550" VPOS="839" ID="st23-534"/><String HEIGHT="18" CONTENT="," WIDTH="7" HPOS="557" VPOS="839" ID="st23-535"/><SP/><String HEIGHT="18" CONTENT="Gould" WIDTH="50" HPOS="570" VPOS="839" ID="st23-536"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="620" VPOS="839" ID="st23-537"/><SP/><String HEIGHT="18" CONTENT="E" WIDTH="7" HPOS="637" VPOS="839" ID="st23-538"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="644" VPOS="839" ID="st23-539"/><String HEIGHT="18" CONTENT="," WIDTH="7" HPOS="651" VPOS="839" ID="st23-540"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="35" HPOS="664" VPOS="839" ID="st23-541"/><SP/><String HEIGHT="18" CONTENT="Bivens" WIDTH="54" HPOS="705" VPOS="839" ID="st23-542"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="759" VPOS="839" ID="st23-543"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="775" VPOS="839" ID="st23-544"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="781" VPOS="839" ID="st23-545"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="794" VPOS="839" ID="st23-546"/><String HEIGHT="18" CONTENT="6" WIDTH="8" HPOS="802" VPOS="839" ID="st23-547"/><SP/><String HEIGHT="18" CONTENT="January" WIDTH="63" HPOS="816" VPOS="839" ID="st23-548"/><SP/><String HEIGHT="18" CONTENT="2015" WIDTH="36" HPOS="885" VPOS="839" ID="st23-549"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="921" VPOS="839" ID="st23-550"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="930" VPOS="839" ID="st23-551"/><String HEIGHT="18" CONTENT="»" WIDTH="11" HPOS="945" VPOS="839" ID="st23-552"/><String HEIGHT="18" CONTENT="Wage" WIDTH="47" HPOS="956" VPOS="839" ID="st23-553"/><SP/><String HEIGHT="18" CONTENT="Stagnation" WIDTH="90" HPOS="1009" VPOS="839" ID="st23-554"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1105" VPOS="839" ID="st23-555"/><SP/><String HEIGHT="18" CONTENT="Nine" WIDTH="38" HPOS="1126" VPOS="839" ID="st23-556"/><SP/><String HEIGHT="18" CONTENT="Charts" WIDTH="52" HPOS="1170" VPOS="839" ID="st23-557"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1222" VPOS="839" ID="st23-558"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1231" VPOS="839" ID="st23-559"/><SP/><String HEIGHT="18" CONTENT="Economic" WIDTH="80" HPOS="1246" VPOS="839" ID="st23-560"/><SP/><String HEIGHT="18" CONTENT="Policy" WIDTH="46" HPOS="1332" VPOS="839" ID="st23-561"/><SP/><String HEIGHT="18" CONTENT="Institute" WIDTH="64" HPOS="1384" VPOS="839" ID="st23-562"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1448" VPOS="839" ID="st23-563"/></TextLine><TextLine HPOS="472" VPOS="862" ID="tl23-23" WIDTH="603" HEIGHT="19"><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="862" ID="st23-564"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="554" VPOS="862" ID="st23-565"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="568" VPOS="862" ID="st23-566"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="42" HPOS="581" VPOS="862" ID="st23-567"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="623" VPOS="862" ID="st23-568"/><String HEIGHT="19" CONTENT="//www" WIDTH="42" HPOS="632" VPOS="862" ID="st23-569"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="674" VPOS="862" ID="st23-570"/><String HEIGHT="19" CONTENT="epi" WIDTH="25" HPOS="683" VPOS="862" ID="st23-571"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="708" VPOS="862" ID="st23-572"/><String HEIGHT="19" CONTENT="org/publication/charting" WIDTH="204" HPOS="717" VPOS="862" ID="st23-573"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="921" VPOS="862" ID="st23-574"/><String HEIGHT="19" CONTENT="wage" WIDTH="34" HPOS="930" VPOS="862" ID="st23-575"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="964" VPOS="862" ID="st23-576"/><String HEIGHT="19" CONTENT="stagnation/" WIDTH="94" HPOS="972" VPOS="862" ID="st23-577"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1066" VPOS="862" ID="st23-578"/></TextLine><TextLine HPOS="472" VPOS="897" ID="tl23-24" WIDTH="696" HEIGHT="19"><String HEIGHT="19" CONTENT="MIT" WIDTH="35" HPOS="472" VPOS="897" ID="st23-579"/><SP/><String HEIGHT="19" CONTENT="L" WIDTH="9" HPOS="512" VPOS="897" ID="st23-580"/><SP/><String HEIGHT="19" CONTENT="iving" WIDTH="38" HPOS="521" VPOS="897" ID="st23-581"/><SP/><String HEIGHT="19" CONTENT="Wage" WIDTH="48" HPOS="565" VPOS="897" ID="st23-582"/><SP/><String HEIGHT="19" CONTENT="Calculator" WIDTH="80" HPOS="618" VPOS="897" ID="st23-583"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="698" VPOS="897" ID="st23-584"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="711" VPOS="897" ID="st23-585"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="794" VPOS="897" ID="st23-586"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="808" VPOS="897" ID="st23-587"/><SP/><String HEIGHT="19" CONTENT="http" WIDTH="33" HPOS="821" VPOS="897" ID="st23-588"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="854" VPOS="897" ID="st23-589"/><String HEIGHT="19" CONTENT="//livingwage" WIDTH="101" HPOS="863" VPOS="897" ID="st23-590"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="964" VPOS="897" ID="st23-591"/><String HEIGHT="19" CONTENT="mit" WIDTH="25" HPOS="973" VPOS="897" ID="st23-592"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="998" VPOS="897" ID="st23-593"/><String HEIGHT="19" CONTENT="edu/counties/06075" WIDTH="152" HPOS="1007" VPOS="897" ID="st23-594"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1159" VPOS="897" ID="st23-595"/></TextLine><TextLine HPOS="472" VPOS="932" ID="tl23-25" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Mother" WIDTH="68" HPOS="472" VPOS="932" ID="st23-596"/><SP/><String HEIGHT="19" CONTENT="Jones" WIDTH="46" HPOS="545" VPOS="932" ID="st23-597"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="591" VPOS="932" ID="st23-598"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="606" VPOS="932" ID="st23-599"/><String HEIGHT="19" CONTENT="January/February" WIDTH="137" HPOS="614" VPOS="932" ID="st23-600"/><SP/><String HEIGHT="19" CONTENT="2010" WIDTH="39" HPOS="756" VPOS="932" ID="st23-601"/><String HEIGHT="19" CONTENT=")" WIDTH="10" HPOS="795" VPOS="932" ID="st23-602"/><String HEIGHT="19" CONTENT="»" WIDTH="12" HPOS="809" VPOS="932" ID="st23-603"/><String HEIGHT="19" CONTENT="How" WIDTH="38" HPOS="821" VPOS="932" ID="st23-604"/><SP/><String HEIGHT="19" CONTENT="Banks" WIDTH="49" HPOS="864" VPOS="932" ID="st23-605"/><SP/><String HEIGHT="19" CONTENT="Got" WIDTH="31" HPOS="918" VPOS="932" ID="st23-606"/><SP/><String HEIGHT="19" CONTENT="Too" WIDTH="29" HPOS="954" VPOS="932" ID="st23-607"/><SP/><String HEIGHT="19" CONTENT="Big" WIDTH="26" HPOS="988" VPOS="932" ID="st23-608"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="1019" VPOS="932" ID="st23-609"/><SP/><String HEIGHT="19" CONTENT="Fail" WIDTH="29" HPOS="1041" VPOS="932" ID="st23-610"/><String HEIGHT="19" CONTENT="«" WIDTH="7" HPOS="1070" VPOS="932" ID="st23-611"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1077" VPOS="932" ID="st23-612"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="76" HPOS="1090" VPOS="932" ID="st23-613"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1171" VPOS="932" ID="st23-614"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1185" VPOS="932" ID="st23-615"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="46" HPOS="1198" VPOS="932" ID="st23-616"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1244" VPOS="932" ID="st23-617"/><String HEIGHT="19" CONTENT="//www" WIDTH="46" HPOS="1253" VPOS="932" ID="st23-618"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1299" VPOS="932" ID="st23-619"/><String HEIGHT="19" CONTENT="motherjones" WIDTH="101" HPOS="1308" VPOS="932" ID="st23-620"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1409" VPOS="932" ID="st23-621"/><String HEIGHT="19" CONTENT="com" WIDTH="27" HPOS="1419" VPOS="932" ID="st23-622"/><String HEIGHT="19" CONTENT="/" WIDTH="10" HPOS="1446" VPOS="932" ID="st23-623"/></TextLine><TextLine HPOS="472" VPOS="956" ID="tl23-26" WIDTH="317" HEIGHT="18"><String HEIGHT="18" CONTENT="politics/2010/01/bank" WIDTH="175" HPOS="472" VPOS="956" ID="st23-624"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="647" VPOS="956" ID="st23-625"/><String HEIGHT="18" CONTENT="merger" WIDTH="50" HPOS="655" VPOS="956" ID="st23-626"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="705" VPOS="956" ID="st23-627"/><String HEIGHT="18" CONTENT="history/" WIDTH="67" HPOS="713" VPOS="956" ID="st23-628"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="780" VPOS="956" ID="st23-629"/></TextLine><TextLine HPOS="472" VPOS="991" ID="tl23-27" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Morrissey" WIDTH="83" HPOS="472" VPOS="991" ID="st23-630"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="555" VPOS="991" ID="st23-631"/><SP/><String HEIGHT="18" CONTENT="M" WIDTH="12" HPOS="570" VPOS="991" ID="st23-632"/><String HEIGHT="18" CONTENT="." WIDTH="12" HPOS="582" VPOS="991" ID="st23-633"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="599" VPOS="991" ID="st23-634"/><String HEIGHT="18" CONTENT="3" WIDTH="9" HPOS="607" VPOS="991" ID="st23-635"/><SP/><String HEIGHT="18" CONTENT="March" WIDTH="52" HPOS="621" VPOS="991" ID="st23-636"/><SP/><String HEIGHT="18" CONTENT="2016" WIDTH="36" HPOS="679" VPOS="991" ID="st23-637"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="715" VPOS="991" ID="st23-638"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="724" VPOS="991" ID="st23-639"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="738" VPOS="991" ID="st23-640"/><String HEIGHT="18" CONTENT="The" WIDTH="31" HPOS="748" VPOS="991" ID="st23-641"/><SP/><String HEIGHT="18" CONTENT="State" WIDTH="42" HPOS="784" VPOS="991" ID="st23-642"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="832" VPOS="991" ID="st23-643"/><SP/><String HEIGHT="18" CONTENT="American" WIDTH="79" HPOS="854" VPOS="991" ID="st23-644"/><SP/><String HEIGHT="18" CONTENT="Retirement" WIDTH="87" HPOS="938" VPOS="991" ID="st23-645"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1025" VPOS="991" ID="st23-646"/><SP/><String HEIGHT="18" CONTENT="How" WIDTH="39" HPOS="1039" VPOS="991" ID="st23-647"/><SP/><String HEIGHT="18" CONTENT="401" WIDTH="26" HPOS="1083" VPOS="991" ID="st23-648"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="1109" VPOS="991" ID="st23-649"/><String HEIGHT="18" CONTENT="k" WIDTH="9" HPOS="1117" VPOS="991" ID="st23-650"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="1126" VPOS="991" ID="st23-651"/><String HEIGHT="18" CONTENT="s" WIDTH="8" HPOS="1135" VPOS="991" ID="st23-652"/><SP/><String HEIGHT="18" CONTENT="have" WIDTH="39" HPOS="1149" VPOS="991" ID="st23-653"/><SP/><String HEIGHT="18" CONTENT="failed" WIDTH="46" HPOS="1193" VPOS="991" ID="st23-654"/><SP/><String HEIGHT="18" CONTENT="most" WIDTH="41" HPOS="1244" VPOS="991" ID="st23-655"/><SP/><String HEIGHT="18" CONTENT="American" WIDTH="79" HPOS="1290" VPOS="991" ID="st23-656"/><SP/><String HEIGHT="18" CONTENT="workers" WIDTH="63" HPOS="1374" VPOS="991" ID="st23-657"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1437" VPOS="991" ID="st23-658"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1446" VPOS="991" ID="st23-659"/></TextLine><TextLine HPOS="472" VPOS="1014" ID="tl23-28" WIDTH="782" HEIGHT="19"><String HEIGHT="19" CONTENT="Economic" WIDTH="80" HPOS="472" VPOS="1014" ID="st23-660"/><SP/><String HEIGHT="19" CONTENT="Policy" WIDTH="47" HPOS="557" VPOS="1014" ID="st23-661"/><SP/><String HEIGHT="19" CONTENT="Institute" WIDTH="64" HPOS="609" VPOS="1014" ID="st23-662"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="673" VPOS="1014" ID="st23-663"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="687" VPOS="1014" ID="st23-664"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="769" VPOS="1014" ID="st23-665"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="783" VPOS="1014" ID="st23-666"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="41" HPOS="796" VPOS="1014" ID="st23-667"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="837" VPOS="1014" ID="st23-668"/><String HEIGHT="19" CONTENT="//www" WIDTH="42" HPOS="845" VPOS="1014" ID="st23-669"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="887" VPOS="1014" ID="st23-670"/><String HEIGHT="19" CONTENT="epi" WIDTH="25" HPOS="895" VPOS="1014" ID="st23-671"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="920" VPOS="1014" ID="st23-672"/><String HEIGHT="19" CONTENT="org/publication/retirement" WIDTH="216" HPOS="929" VPOS="1014" ID="st23-673"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1145" VPOS="1014" ID="st23-674"/><String HEIGHT="19" CONTENT="in" WIDTH="16" HPOS="1154" VPOS="1014" ID="st23-675"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1170" VPOS="1014" ID="st23-676"/><String HEIGHT="19" CONTENT="america/" WIDTH="66" HPOS="1179" VPOS="1014" ID="st23-677"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1245" VPOS="1014" ID="st23-678"/></TextLine><TextLine HPOS="472" VPOS="1049" ID="tl23-29" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Nordic" WIDTH="59" HPOS="472" VPOS="1049" ID="st23-679"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="80" HPOS="539" VPOS="1049" ID="st23-680"/><SP/><String HEIGHT="19" CONTENT="Unions" WIDTH="63" HPOS="628" VPOS="1049" ID="st23-681"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="700" VPOS="1049" ID="st23-682"/><String HEIGHT="19" CONTENT="2016" WIDTH="34" HPOS="708" VPOS="1049" ID="st23-683"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="742" VPOS="1049" ID="st23-684"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="750" VPOS="1049" ID="st23-685"/><String HEIGHT="19" CONTENT="»" WIDTH="11" HPOS="768" VPOS="1049" ID="st23-686"/><String HEIGHT="19" CONTENT="Do" WIDTH="23" HPOS="779" VPOS="1049" ID="st23-687"/><SP/><String HEIGHT="19" CONTENT="you" WIDTH="30" HPOS="811" VPOS="1049" ID="st23-688"/><SP/><String HEIGHT="19" CONTENT="measure" WIDTH="70" HPOS="849" VPOS="1049" ID="st23-689"/><SP/><String HEIGHT="19" CONTENT="up" WIDTH="21" HPOS="927" VPOS="1049" ID="st23-690"/><String HEIGHT="19" CONTENT="?" WIDTH="11" HPOS="948" VPOS="1049" ID="st23-691"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="13" HPOS="967" VPOS="1049" ID="st23-692"/><SP/><String HEIGHT="19" CONTENT="study" WIDTH="44" HPOS="989" VPOS="1049" ID="st23-693"/><SP/><String HEIGHT="19" CONTENT="on" WIDTH="22" HPOS="1041" VPOS="1049" ID="st23-694"/><SP/><String HEIGHT="19" CONTENT="performance" WIDTH="106" HPOS="1071" VPOS="1049" ID="st23-695"/><SP/><String HEIGHT="19" CONTENT="measurement" WIDTH="114" HPOS="1185" VPOS="1049" ID="st23-696"/><SP/><String HEIGHT="19" CONTENT="systems" WIDTH="64" HPOS="1307" VPOS="1049" ID="st23-697"/><SP/><String HEIGHT="19" CONTENT="in" WIDTH="15" HPOS="1379" VPOS="1049" ID="st23-698"/><SP/><String HEIGHT="19" CONTENT="Nordic" WIDTH="53" HPOS="1403" VPOS="1049" ID="st23-699"/></TextLine><TextLine HPOS="472" VPOS="1073" ID="tl23-30" WIDTH="956" HEIGHT="18"><String HEIGHT="18" CONTENT="Financial" WIDTH="71" HPOS="472" VPOS="1073" ID="st23-700"/><SP/><String HEIGHT="18" CONTENT="Sectors" WIDTH="58" HPOS="549" VPOS="1073" ID="st23-701"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="607" VPOS="1073" ID="st23-702"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="615" VPOS="1073" ID="st23-703"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="630" VPOS="1073" ID="st23-704"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="712" VPOS="1073" ID="st23-705"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="726" VPOS="1073" ID="st23-706"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="43" HPOS="739" VPOS="1073" ID="st23-707"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="782" VPOS="1073" ID="st23-708"/><String HEIGHT="18" CONTENT="//nordicfinancialunions" WIDTH="200" HPOS="791" VPOS="1073" ID="st23-709"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="991" VPOS="1073" ID="st23-710"/><String HEIGHT="18" CONTENT="org/wp" WIDTH="52" HPOS="1000" VPOS="1073" ID="st23-711"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1052" VPOS="1073" ID="st23-712"/><String HEIGHT="18" CONTENT="content/uploads/Do" WIDTH="157" HPOS="1061" VPOS="1073" ID="st23-713"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1218" VPOS="1073" ID="st23-714"/><String HEIGHT="18" CONTENT="you" WIDTH="26" HPOS="1227" VPOS="1073" ID="st23-715"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1253" VPOS="1073" ID="st23-716"/><String HEIGHT="18" CONTENT="measure" WIDTH="61" HPOS="1262" VPOS="1073" ID="st23-717"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1323" VPOS="1073" ID="st23-718"/><String HEIGHT="18" CONTENT="up" WIDTH="17" HPOS="1332" VPOS="1073" ID="st23-719"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1349" VPOS="1073" ID="st23-720"/><String HEIGHT="18" CONTENT="NFU" WIDTH="26" HPOS="1358" VPOS="1073" ID="st23-721"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1384" VPOS="1073" ID="st23-722"/><String HEIGHT="18" CONTENT="pdf" WIDTH="26" HPOS="1393" VPOS="1073" ID="st23-723"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1419" VPOS="1073" ID="st23-724"/></TextLine><TextLine HPOS="472" VPOS="1108" ID="tl23-31" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Ong" WIDTH="33" HPOS="472" VPOS="1108" ID="st23-725"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="505" VPOS="1108" ID="st23-726"/><SP/><String HEIGHT="18" CONTENT="T" WIDTH="7" HPOS="521" VPOS="1108" ID="st23-727"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="528" VPOS="1108" ID="st23-728"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="540" VPOS="1108" ID="st23-729"/><String HEIGHT="18" CONTENT="August" WIDTH="56" HPOS="549" VPOS="1108" ID="st23-730"/><SP/><String HEIGHT="18" CONTENT="22" WIDTH="21" HPOS="610" VPOS="1108" ID="st23-731"/><SP/><String HEIGHT="18" CONTENT="2016" WIDTH="36" HPOS="636" VPOS="1108" ID="st23-732"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="672" VPOS="1108" ID="st23-733"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="681" VPOS="1108" ID="st23-734"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="695" VPOS="1108" ID="st23-735"/><String HEIGHT="18" CONTENT="Banks" WIDTH="46" HPOS="704" VPOS="1108" ID="st23-736"/><String HEIGHT="18" CONTENT="’" WIDTH="10" HPOS="750" VPOS="1108" ID="st23-737"/><SP/><String HEIGHT="18" CONTENT="profit" WIDTH="45" HPOS="765" VPOS="1108" ID="st23-738"/><SP/><String HEIGHT="18" CONTENT="pursuit" WIDTH="57" HPOS="815" VPOS="1108" ID="st23-739"/><SP/><String HEIGHT="18" CONTENT="having" WIDTH="55" HPOS="877" VPOS="1108" ID="st23-740"/><SP/><String HEIGHT="18" CONTENT="›devastating‹" WIDTH="106" HPOS="937" VPOS="1108" ID="st23-741"/><SP/><String HEIGHT="18" CONTENT="impact" WIDTH="56" HPOS="1048" VPOS="1108" ID="st23-742"/><SP/><String HEIGHT="18" CONTENT="on" WIDTH="22" HPOS="1109" VPOS="1108" ID="st23-743"/><SP/><String HEIGHT="18" CONTENT="staff" WIDTH="37" HPOS="1135" VPOS="1108" ID="st23-744"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="1172" VPOS="1108" ID="st23-745"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1180" VPOS="1108" ID="st23-746"/><SP/><String HEIGHT="18" CONTENT="Australia" WIDTH="72" HPOS="1193" VPOS="1108" ID="st23-747"/><SP/><String HEIGHT="18" CONTENT="Broadcasting" WIDTH="107" HPOS="1270" VPOS="1108" ID="st23-748"/><SP/><String HEIGHT="18" CONTENT="Channel" WIDTH="64" HPOS="1382" VPOS="1108" ID="st23-749"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1446" VPOS="1108" ID="st23-750"/></TextLine><TextLine HPOS="472" VPOS="1131" ID="tl23-32" WIDTH="848" HEIGHT="19"><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="1131" ID="st23-751"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="554" VPOS="1131" ID="st23-752"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="568" VPOS="1131" ID="st23-753"/><SP/><String HEIGHT="19" CONTENT="http" WIDTH="35" HPOS="581" VPOS="1131" ID="st23-754"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="616" VPOS="1131" ID="st23-755"/><String HEIGHT="19" CONTENT="//www" WIDTH="45" HPOS="625" VPOS="1131" ID="st23-756"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="670" VPOS="1131" ID="st23-757"/><String HEIGHT="19" CONTENT="abc" WIDTH="27" HPOS="678" VPOS="1131" ID="st23-758"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="705" VPOS="1131" ID="st23-759"/><String HEIGHT="19" CONTENT="net" WIDTH="27" HPOS="714" VPOS="1131" ID="st23-760"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="741" VPOS="1131" ID="st23-761"/><String HEIGHT="19" CONTENT="au/news/2016" WIDTH="107" HPOS="750" VPOS="1131" ID="st23-762"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="857" VPOS="1131" ID="st23-763"/><String HEIGHT="19" CONTENT="08" WIDTH="18" HPOS="865" VPOS="1131" ID="st23-764"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="883" VPOS="1131" ID="st23-765"/><String HEIGHT="19" CONTENT="22/union" WIDTH="71" HPOS="892" VPOS="1131" ID="st23-766"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="963" VPOS="1131" ID="st23-767"/><String HEIGHT="19" CONTENT="warns" WIDTH="45" HPOS="972" VPOS="1131" ID="st23-768"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1017" VPOS="1131" ID="st23-769"/><String HEIGHT="19" CONTENT="banks" WIDTH="44" HPOS="1026" VPOS="1131" ID="st23-770"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1070" VPOS="1131" ID="st23-771"/><String HEIGHT="19" CONTENT="pursuit" WIDTH="62" HPOS="1079" VPOS="1131" ID="st23-772"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1141" VPOS="1131" ID="st23-773"/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="1150" VPOS="1131" ID="st23-774"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1168" VPOS="1131" ID="st23-775"/><String HEIGHT="19" CONTENT="profits/7772232" WIDTH="134" HPOS="1177" VPOS="1131" ID="st23-776"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1311" VPOS="1131" ID="st23-777"/></TextLine><TextLine HPOS="472" VPOS="1166" ID="tl23-33" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Petarli" WIDTH="56" HPOS="472" VPOS="1166" ID="st23-778"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="528" VPOS="1166" ID="st23-779"/><SP/><String HEIGHT="19" CONTENT="G" WIDTH="8" HPOS="543" VPOS="1166" ID="st23-780"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="551" VPOS="1166" ID="st23-781"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="559" VPOS="1166" ID="st23-782"/><SP/><String HEIGHT="19" CONTENT="Zandonade" WIDTH="97" HPOS="574" VPOS="1166" ID="st23-783"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="671" VPOS="1166" ID="st23-784"/><SP/><String HEIGHT="19" CONTENT="E" WIDTH="7" HPOS="689" VPOS="1166" ID="st23-785"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="696" VPOS="1166" ID="st23-786"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="703" VPOS="1166" ID="st23-787"/><SP/><String HEIGHT="19" CONTENT="Salaroli" WIDTH="64" HPOS="718" VPOS="1166" ID="st23-788"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="782" VPOS="1166" ID="st23-789"/><SP/><String HEIGHT="19" CONTENT="E" WIDTH="7" HPOS="798" VPOS="1166" ID="st23-790"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="805" VPOS="1166" ID="st23-791"/><String HEIGHT="19" CONTENT="," WIDTH="7" HPOS="812" VPOS="1166" ID="st23-792"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="35" HPOS="826" VPOS="1166" ID="st23-793"/><SP/><String HEIGHT="19" CONTENT="Bissoli" WIDTH="54" HPOS="868" VPOS="1166" ID="st23-794"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="922" VPOS="1166" ID="st23-795"/><SP/><String HEIGHT="19" CONTENT="N" WIDTH="10" HPOS="937" VPOS="1166" ID="st23-796"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="947" VPOS="1166" ID="st23-797"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="964" VPOS="1166" ID="st23-798"/><String HEIGHT="19" CONTENT="2015" WIDTH="34" HPOS="972" VPOS="1166" ID="st23-799"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="1006" VPOS="1166" ID="st23-800"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1014" VPOS="1166" ID="st23-801"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="1030" VPOS="1166" ID="st23-802"/><String HEIGHT="19" CONTENT="Assessment" WIDTH="98" HPOS="1039" VPOS="1166" ID="st23-803"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1144" VPOS="1166" ID="st23-804"/><SP/><String HEIGHT="19" CONTENT="occupational" WIDTH="106" HPOS="1168" VPOS="1166" ID="st23-805"/><SP/><String HEIGHT="19" CONTENT="stress" WIDTH="45" HPOS="1281" VPOS="1166" ID="st23-806"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1333" VPOS="1166" ID="st23-807"/><SP/><String HEIGHT="19" CONTENT="associated" WIDTH="85" HPOS="1371" VPOS="1166" ID="st23-808"/></TextLine><TextLine HPOS="472" VPOS="1190" ID="tl23-34" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="factors" WIDTH="56" HPOS="472" VPOS="1190" ID="st23-809"/><SP/><String HEIGHT="18" CONTENT="among" WIDTH="59" HPOS="532" VPOS="1190" ID="st23-810"/><SP/><String HEIGHT="18" CONTENT="bank" WIDTH="41" HPOS="595" VPOS="1190" ID="st23-811"/><SP/><String HEIGHT="18" CONTENT="employees" WIDTH="87" HPOS="640" VPOS="1190" ID="st23-812"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="732" VPOS="1190" ID="st23-813"/><SP/><String HEIGHT="18" CONTENT="Vitoria" WIDTH="51" HPOS="751" VPOS="1190" ID="st23-814"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="802" VPOS="1190" ID="st23-815"/><SP/><String HEIGHT="18" CONTENT="State" WIDTH="42" HPOS="815" VPOS="1190" ID="st23-816"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="861" VPOS="1190" ID="st23-817"/><SP/><String HEIGHT="18" CONTENT="Espírito" WIDTH="61" HPOS="882" VPOS="1190" ID="st23-818"/><SP/><String HEIGHT="18" CONTENT="Santo" WIDTH="44" HPOS="947" VPOS="1190" ID="st23-819"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="991" VPOS="1190" ID="st23-820"/><SP/><String HEIGHT="18" CONTENT="Brazil" WIDTH="45" HPOS="1004" VPOS="1190" ID="st23-821"/><String HEIGHT="18" CONTENT="«" WIDTH="7" HPOS="1049" VPOS="1190" ID="st23-822"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1056" VPOS="1190" ID="st23-823"/><SP/><String HEIGHT="18" CONTENT="Ciência" WIDTH="59" HPOS="1069" VPOS="1190" ID="st23-824"/><String HEIGHT="18" CONTENT="&amp;" WIDTH="13" HPOS="1132" VPOS="1190" ID="st23-825"/><SP/><String HEIGHT="18" CONTENT="Saúde" WIDTH="51" HPOS="1149" VPOS="1190" ID="st23-826"/><SP/><String HEIGHT="18" CONTENT="Coletiva" WIDTH="63" HPOS="1204" VPOS="1190" ID="st23-827"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1267" VPOS="1190" ID="st23-828"/><SP/><String HEIGHT="18" CONTENT="Vol" WIDTH="23" HPOS="1280" VPOS="1190" ID="st23-829"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1303" VPOS="1190" ID="st23-830"/><SP/><String HEIGHT="18" CONTENT="20" WIDTH="22" HPOS="1315" VPOS="1190" ID="st23-831"/><SP/><String HEIGHT="18" CONTENT="No" WIDTH="19" HPOS="1341" VPOS="1190" ID="st23-832"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1360" VPOS="1190" ID="st23-833"/><SP/><String HEIGHT="18" CONTENT="12" WIDTH="18" HPOS="1374" VPOS="1190" ID="st23-834"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1392" VPOS="1190" ID="st23-835"/><SP/><String HEIGHT="18" CONTENT="Rio" WIDTH="25" HPOS="1406" VPOS="1190" ID="st23-836"/><SP/><String HEIGHT="18" CONTENT="de" WIDTH="20" HPOS="1436" VPOS="1190" ID="st23-837"/></TextLine><TextLine HPOS="472" VPOS="1213" ID="tl23-35" WIDTH="985" HEIGHT="18"><String HEIGHT="18" CONTENT="Janeiro" WIDTH="58" HPOS="472" VPOS="1213" ID="st23-838"/><SP/><String HEIGHT="18" CONTENT="dez" WIDTH="25" HPOS="534" VPOS="1213" ID="st23-839"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="559" VPOS="1213" ID="st23-840"/><SP/><String HEIGHT="18" CONTENT="2015" WIDTH="39" HPOS="572" VPOS="1213" ID="st23-841"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="611" VPOS="1213" ID="st23-842"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="625" VPOS="1213" ID="st23-843"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="705" VPOS="1213" ID="st23-844"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="719" VPOS="1213" ID="st23-845"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="35" HPOS="731" VPOS="1213" ID="st23-846"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="766" VPOS="1213" ID="st23-847"/><String HEIGHT="18" CONTENT="//www" WIDTH="45" HPOS="775" VPOS="1213" ID="st23-848"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="820" VPOS="1213" ID="st23-849"/><String HEIGHT="18" CONTENT="scielo" WIDTH="54" HPOS="829" VPOS="1213" ID="st23-850"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="883" VPOS="1213" ID="st23-851"/><String HEIGHT="18" CONTENT="br/scielo" WIDTH="81" HPOS="892" VPOS="1213" ID="st23-852"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="973" VPOS="1213" ID="st23-853"/><String HEIGHT="18" CONTENT="php" WIDTH="27" HPOS="981" VPOS="1213" ID="st23-854"/><String HEIGHT="18" CONTENT="?" WIDTH="9" HPOS="1008" VPOS="1213" ID="st23-855"/><String HEIGHT="18" CONTENT="script" WIDTH="54" HPOS="1017" VPOS="1213" ID="st23-856"/><String HEIGHT="18" CONTENT="=" WIDTH="9" HPOS="1071" VPOS="1213" ID="st23-857"/><String HEIGHT="18" CONTENT="sci" WIDTH="27" HPOS="1080" VPOS="1213" ID="st23-858"/><String HEIGHT="18" CONTENT="_" WIDTH="9" HPOS="1107" VPOS="1213" ID="st23-859"/><String HEIGHT="18" CONTENT="arttext" WIDTH="63" HPOS="1116" VPOS="1213" ID="st23-860"/><String HEIGHT="18" CONTENT="&amp;" WIDTH="9" HPOS="1179" VPOS="1213" ID="st23-861"/><String HEIGHT="18" CONTENT="pid" WIDTH="27" HPOS="1188" VPOS="1213" ID="st23-862"/><String HEIGHT="18" CONTENT="=" WIDTH="8" HPOS="1215" VPOS="1213" ID="st23-863"/><String HEIGHT="18" CONTENT="S1413" WIDTH="45" HPOS="1223" VPOS="1213" ID="st23-864"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1268" VPOS="1213" ID="st23-865"/><String HEIGHT="18" CONTENT="81232015001203925" WIDTH="153" HPOS="1277" VPOS="1213" ID="st23-866"/><String HEIGHT="18" CONTENT="&amp;" WIDTH="9" HPOS="1430" VPOS="1213" ID="st23-867"/><String HEIGHT="18" CONTENT="ln" WIDTH="18" HPOS="1439" VPOS="1213" ID="st23-868"/></TextLine><TextLine HPOS="472" VPOS="1236" ID="tl23-36" WIDTH="203" HEIGHT="19"><String HEIGHT="19" CONTENT="g" WIDTH="9" HPOS="472" VPOS="1236" ID="st23-869"/><String HEIGHT="19" CONTENT="=" WIDTH="10" HPOS="481" VPOS="1236" ID="st23-870"/><String HEIGHT="19" CONTENT="pt" WIDTH="19" HPOS="491" VPOS="1236" ID="st23-871"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="10" HPOS="510" VPOS="1236" ID="st23-872"/><String HEIGHT="19" CONTENT="nrm" WIDTH="29" HPOS="520" VPOS="1236" ID="st23-873"/><String HEIGHT="19" CONTENT="=" WIDTH="10" HPOS="549" VPOS="1236" ID="st23-874"/><String HEIGHT="19" CONTENT="iso" WIDTH="29" HPOS="559" VPOS="1236" ID="st23-875"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="10" HPOS="588" VPOS="1236" ID="st23-876"/><String HEIGHT="19" CONTENT="tlng" WIDTH="39" HPOS="598" VPOS="1236" ID="st23-877"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="637" VPOS="1236" ID="st23-878"/><String HEIGHT="19" CONTENT="en" WIDTH="20" HPOS="646" VPOS="1236" ID="st23-879"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="666" VPOS="1236" ID="st23-880"/></TextLine><TextLine HPOS="472" VPOS="1271" ID="tl23-37" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Professional" WIDTH="112" HPOS="472" VPOS="1271" ID="st23-881"/><SP/><String HEIGHT="19" CONTENT="Employees" WIDTH="99" HPOS="593" VPOS="1271" ID="st23-882"/><SP/><String HEIGHT="19" CONTENT="Department" WIDTH="105" HPOS="702" VPOS="1271" ID="st23-883"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="807" VPOS="1271" ID="st23-884"/><SP/><String HEIGHT="19" CONTENT="AFL" WIDTH="29" HPOS="827" VPOS="1271" ID="st23-885"/><String HEIGHT="19" CONTENT="-" WIDTH="10" HPOS="856" VPOS="1271" ID="st23-886"/><String HEIGHT="19" CONTENT="CIO" WIDTH="30" HPOS="866" VPOS="1271" ID="st23-887"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="896" VPOS="1271" ID="st23-888"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="915" VPOS="1271" ID="st23-889"/><String HEIGHT="19" CONTENT="2017" WIDTH="36" HPOS="924" VPOS="1271" ID="st23-890"/><String HEIGHT="19" CONTENT=")" WIDTH="10" HPOS="960" VPOS="1271" ID="st23-891"/><SP/><String HEIGHT="19" CONTENT="The" WIDTH="31" HPOS="979" VPOS="1271" ID="st23-892"/><SP/><String HEIGHT="19" CONTENT="Benefits" WIDTH="67" HPOS="1019" VPOS="1271" ID="st23-893"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="1095" VPOS="1271" ID="st23-894"/><SP/><String HEIGHT="19" CONTENT="Collective" WIDTH="81" HPOS="1122" VPOS="1271" ID="st23-895"/><SP/><String HEIGHT="19" CONTENT="Bargaining" WIDTH="89" HPOS="1212" VPOS="1271" ID="st23-896"/><SP/><String HEIGHT="19" CONTENT="for" WIDTH="24" HPOS="1311" VPOS="1271" ID="st23-897"/><SP/><String HEIGHT="19" CONTENT="Professionals" WIDTH="104" HPOS="1344" VPOS="1271" ID="st23-898"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1448" VPOS="1271" ID="st23-899"/></TextLine><TextLine HPOS="472" VPOS="1295" ID="tl23-38" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Fact" WIDTH="34" HPOS="472" VPOS="1295" ID="st23-900"/><SP/><String HEIGHT="18" CONTENT="Sheet" WIDTH="46" HPOS="515" VPOS="1295" ID="st23-901"/><SP/><String HEIGHT="18" CONTENT="2017" WIDTH="39" HPOS="570" VPOS="1295" ID="st23-902"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="609" VPOS="1295" ID="st23-903"/><SP/><String HEIGHT="18" CONTENT="Available" WIDTH="75" HPOS="628" VPOS="1295" ID="st23-904"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="712" VPOS="1295" ID="st23-905"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="726" VPOS="1295" ID="st23-906"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="32" HPOS="743" VPOS="1295" ID="st23-907"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="775" VPOS="1295" ID="st23-908"/><String HEIGHT="18" CONTENT="//dpeaflcio" WIDTH="89" HPOS="783" VPOS="1295" ID="st23-909"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="872" VPOS="1295" ID="st23-910"/><String HEIGHT="18" CONTENT="org/programs" WIDTH="97" HPOS="880" VPOS="1295" ID="st23-911"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="977" VPOS="1295" ID="st23-912"/><String HEIGHT="18" CONTENT="publications/issue" WIDTH="145" HPOS="986" VPOS="1295" ID="st23-913"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1131" VPOS="1295" ID="st23-914"/><String HEIGHT="18" CONTENT="fact" WIDTH="32" HPOS="1140" VPOS="1295" ID="st23-915"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1172" VPOS="1295" ID="st23-916"/><String HEIGHT="18" CONTENT="sheets/the" WIDTH="81" HPOS="1180" VPOS="1295" ID="st23-917"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1261" VPOS="1295" ID="st23-918"/><String HEIGHT="18" CONTENT="benefits" WIDTH="65" HPOS="1269" VPOS="1295" ID="st23-919"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1334" VPOS="1295" ID="st23-920"/><String HEIGHT="18" CONTENT="of" WIDTH="16" HPOS="1342" VPOS="1295" ID="st23-921"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1358" VPOS="1295" ID="st23-922"/><String HEIGHT="18" CONTENT="collective" WIDTH="82" HPOS="1366" VPOS="1295" ID="st23-923" SUBS_TYPE="HypPart1" SUBS_CONTENT="collectivebargaining"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="1295" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="1318" ID="tl23-39" WIDTH="424" HEIGHT="19"><String HEIGHT="19" CONTENT="bargaining" WIDTH="83" HPOS="472" VPOS="1318" ID="st23-924" SUBS_TYPE="HypPart2" SUBS_CONTENT="collectivebargaining"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="555" VPOS="1318" ID="st23-925"/><String HEIGHT="19" CONTENT="for" WIDTH="25" HPOS="563" VPOS="1318" ID="st23-926"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="588" VPOS="1318" ID="st23-927"/><String HEIGHT="19" CONTENT="professional" WIDTH="100" HPOS="596" VPOS="1318" ID="st23-928"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="696" VPOS="1318" ID="st23-929"/><String HEIGHT="19" CONTENT="and" WIDTH="25" HPOS="704" VPOS="1318" ID="st23-930"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="729" VPOS="1318" ID="st23-931"/><String HEIGHT="19" CONTENT="technical" WIDTH="74" HPOS="738" VPOS="1318" ID="st23-932"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="812" VPOS="1318" ID="st23-933"/><String HEIGHT="19" CONTENT="workers/" WIDTH="66" HPOS="821" VPOS="1318" ID="st23-934"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="887" VPOS="1318" ID="st23-935"/></TextLine><TextLine HPOS="472" VPOS="1353" ID="tl23-40" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Public" WIDTH="54" HPOS="472" VPOS="1353" ID="st23-936"/><SP/><String HEIGHT="19" CONTENT="Broadcasting" WIDTH="119" HPOS="530" VPOS="1353" ID="st23-937"/><SP/><String HEIGHT="19" CONTENT="System" WIDTH="60" HPOS="653" VPOS="1353" ID="st23-938"/><String HEIGHT="19" CONTENT="." WIDTH="11" HPOS="713" VPOS="1353" ID="st23-939"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="729" VPOS="1353" ID="st23-940"/><String HEIGHT="19" CONTENT="8" WIDTH="8" HPOS="737" VPOS="1353" ID="st23-941"/><SP/><String HEIGHT="19" CONTENT="May" WIDTH="36" HPOS="749" VPOS="1353" ID="st23-942"/><SP/><String HEIGHT="19" CONTENT="2003" WIDTH="36" HPOS="789" VPOS="1353" ID="st23-943"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="825" VPOS="1353" ID="st23-944"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="834" VPOS="1353" ID="st23-945"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="847" VPOS="1353" ID="st23-946"/><String HEIGHT="19" CONTENT="The" WIDTH="32" HPOS="857" VPOS="1353" ID="st23-947"/><SP/><String HEIGHT="19" CONTENT="Long" WIDTH="41" HPOS="893" VPOS="1353" ID="st23-948"/><SP/><String HEIGHT="19" CONTENT="Demise" WIDTH="61" HPOS="938" VPOS="1353" ID="st23-949"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1003" VPOS="1353" ID="st23-950"/><SP/><String HEIGHT="19" CONTENT="Glass" WIDTH="40" HPOS="1025" VPOS="1353" ID="st23-951"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1065" VPOS="1353" ID="st23-952"/><String HEIGHT="19" CONTENT="Steagall" WIDTH="65" HPOS="1073" VPOS="1353" ID="st23-953"/><String HEIGHT="19" CONTENT="«" WIDTH="8" HPOS="1138" VPOS="1353" ID="st23-954"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1146" VPOS="1353" ID="st23-955"/><SP/><String HEIGHT="19" CONTENT="Frontline" WIDTH="69" HPOS="1160" VPOS="1353" ID="st23-956"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1229" VPOS="1353" ID="st23-957"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="1241" VPOS="1353" ID="st23-958"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1322" VPOS="1353" ID="st23-959"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1336" VPOS="1353" ID="st23-960"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="45" HPOS="1348" VPOS="1353" ID="st23-961"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1393" VPOS="1353" ID="st23-962"/><String HEIGHT="19" CONTENT="//www" WIDTH="45" HPOS="1402" VPOS="1353" ID="st23-963"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1353" ID="st23-964"/></TextLine><TextLine HPOS="472" VPOS="1377" ID="tl23-41" WIDTH="543" HEIGHT="18"><String HEIGHT="18" CONTENT="pbs" WIDTH="25" HPOS="472" VPOS="1377" ID="st23-965"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="497" VPOS="1377" ID="st23-966"/><String HEIGHT="18" CONTENT="org/wgbh/pages/frontline/shows/wallstreet/weill/demise" WIDTH="459" HPOS="505" VPOS="1377" ID="st23-967"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="964" VPOS="1377" ID="st23-968"/><String HEIGHT="18" CONTENT="html" WIDTH="34" HPOS="972" VPOS="1377" ID="st23-969"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1006" VPOS="1377" ID="st23-970"/></TextLine><TextLine HPOS="472" VPOS="1412" ID="tl23-42" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Reilly" WIDTH="45" HPOS="472" VPOS="1412" ID="st23-971"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="517" VPOS="1412" ID="st23-972"/><SP/><String HEIGHT="18" CONTENT="D" WIDTH="9" HPOS="531" VPOS="1412" ID="st23-973"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="540" VPOS="1412" ID="st23-974"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="556" VPOS="1412" ID="st23-975"/><String HEIGHT="18" CONTENT="25" WIDTH="18" HPOS="565" VPOS="1412" ID="st23-976"/><SP/><String HEIGHT="18" CONTENT="July" WIDTH="30" HPOS="588" VPOS="1412" ID="st23-977"/><SP/><String HEIGHT="18" CONTENT="2012" WIDTH="36" HPOS="624" VPOS="1412" ID="st23-978"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="660" VPOS="1412" ID="st23-979"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="669" VPOS="1412" ID="st23-980"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="683" VPOS="1412" ID="st23-981"/><String HEIGHT="18" CONTENT="Sandy" WIDTH="51" HPOS="693" VPOS="1412" ID="st23-982"/><SP/><String HEIGHT="18" CONTENT="Weill" WIDTH="41" HPOS="749" VPOS="1412" ID="st23-983"/><SP/><String HEIGHT="18" CONTENT="Regrets" WIDTH="62" HPOS="795" VPOS="1412" ID="st23-984"/><SP/><String HEIGHT="18" CONTENT="Breaking" WIDTH="72" HPOS="862" VPOS="1412" ID="st23-985"/><SP/><String HEIGHT="18" CONTENT="Glass" WIDTH="42" HPOS="940" VPOS="1412" ID="st23-986"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="982" VPOS="1412" ID="st23-987"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="990" VPOS="1412" ID="st23-988"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="1005" VPOS="1412" ID="st23-989"/><SP/><String HEIGHT="18" CONTENT="Wall" WIDTH="37" HPOS="1040" VPOS="1412" ID="st23-990"/><SP/><String HEIGHT="18" CONTENT="Street" WIDTH="49" HPOS="1082" VPOS="1412" ID="st23-991"/><SP/><String HEIGHT="18" CONTENT="Journal" WIDTH="56" HPOS="1136" VPOS="1412" ID="st23-992"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1192" VPOS="1412" ID="st23-993"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1206" VPOS="1412" ID="st23-994"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1289" VPOS="1412" ID="st23-995"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1303" VPOS="1412" ID="st23-996"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="43" HPOS="1316" VPOS="1412" ID="st23-997"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1359" VPOS="1412" ID="st23-998"/><String HEIGHT="18" CONTENT="//www" WIDTH="44" HPOS="1368" VPOS="1412" ID="st23-999"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1412" VPOS="1412" ID="st23-1000"/><String HEIGHT="18" CONTENT="wsj" WIDTH="26" HPOS="1421" VPOS="1412" ID="st23-1001"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1412" ID="st23-1002"/></TextLine><TextLine HPOS="472" VPOS="1435" ID="tl23-43" WIDTH="573" HEIGHT="18"><String HEIGHT="18" CONTENT="com/articles/SB10000872396390444840104577549302250466514" WIDTH="562" HPOS="472" VPOS="1435" ID="st23-1003"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="1034" VPOS="1435" ID="st23-1004"/></TextLine><TextLine HPOS="472" VPOS="1470" ID="tl23-44" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Reuters" WIDTH="64" HPOS="472" VPOS="1470" ID="st23-1005"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="536" VPOS="1470" ID="st23-1006"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="551" VPOS="1470" ID="st23-1007"/><String HEIGHT="19" CONTENT="2016" WIDTH="34" HPOS="559" VPOS="1470" ID="st23-1008"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="593" VPOS="1470" ID="st23-1009"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="601" VPOS="1470" ID="st23-1010"/><String HEIGHT="19" CONTENT="»" WIDTH="7" HPOS="614" VPOS="1470" ID="st23-1011"/><String HEIGHT="19" CONTENT="Brazil" WIDTH="48" HPOS="621" VPOS="1470" ID="st23-1012"/><SP/><String HEIGHT="19" CONTENT="Bank" WIDTH="41" HPOS="674" VPOS="1470" ID="st23-1013"/><SP/><String HEIGHT="19" CONTENT="Employees" WIDTH="87" HPOS="719" VPOS="1470" ID="st23-1014"/><SP/><String HEIGHT="19" CONTENT="End" WIDTH="31" HPOS="811" VPOS="1470" ID="st23-1015"/><SP/><String HEIGHT="19" CONTENT="Longest" WIDTH="65" HPOS="846" VPOS="1470" ID="st23-1016"/><SP/><String HEIGHT="19" CONTENT="Strike" WIDTH="47" HPOS="915" VPOS="1470" ID="st23-1017"/><SP/><String HEIGHT="19" CONTENT="for" WIDTH="24" HPOS="966" VPOS="1470" ID="st23-1018"/><SP/><String HEIGHT="19" CONTENT="12" WIDTH="21" HPOS="994" VPOS="1470" ID="st23-1019"/><SP/><String HEIGHT="19" CONTENT="Years" WIDTH="42" HPOS="1020" VPOS="1470" ID="st23-1020"/><String HEIGHT="19" CONTENT="«" WIDTH="8" HPOS="1062" VPOS="1470" ID="st23-1021"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1070" VPOS="1470" ID="st23-1022"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="76" HPOS="1084" VPOS="1470" ID="st23-1023"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1165" VPOS="1470" ID="st23-1024"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="1179" VPOS="1470" ID="st23-1025"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="41" HPOS="1190" VPOS="1470" ID="st23-1026"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1231" VPOS="1470" ID="st23-1027"/><String HEIGHT="19" CONTENT="//www" WIDTH="42" HPOS="1239" VPOS="1470" ID="st23-1028"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1281" VPOS="1470" ID="st23-1029"/><String HEIGHT="19" CONTENT="reuters" WIDTH="58" HPOS="1289" VPOS="1470" ID="st23-1030"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1347" VPOS="1470" ID="st23-1031"/><String HEIGHT="19" CONTENT="com/article" WIDTH="91" HPOS="1356" VPOS="1470" ID="st23-1032"/><String HEIGHT="19" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="1470" ID="st23-1033"/></TextLine><TextLine HPOS="472" VPOS="1494" ID="tl23-45" WIDTH="876" HEIGHT="18"><String HEIGHT="18" CONTENT="us" WIDTH="17" HPOS="472" VPOS="1494" ID="st23-1034"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="489" VPOS="1494" ID="st23-1035"/><String HEIGHT="18" CONTENT="brazil" WIDTH="52" HPOS="498" VPOS="1494" ID="st23-1036"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="550" VPOS="1494" ID="st23-1037"/><String HEIGHT="18" CONTENT="banks" WIDTH="44" HPOS="558" VPOS="1494" ID="st23-1038"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="602" VPOS="1494" ID="st23-1039"/><String HEIGHT="18" CONTENT="dispute/brazil" WIDTH="122" HPOS="610" VPOS="1494" ID="st23-1040"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="732" VPOS="1494" ID="st23-1041"/><String HEIGHT="18" CONTENT="bank" WIDTH="35" HPOS="740" VPOS="1494" ID="st23-1042"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="775" VPOS="1494" ID="st23-1043"/><String HEIGHT="18" CONTENT="employees" WIDTH="78" HPOS="784" VPOS="1494" ID="st23-1044"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="862" VPOS="1494" ID="st23-1045"/><String HEIGHT="18" CONTENT="end" WIDTH="26" HPOS="870" VPOS="1494" ID="st23-1046"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="896" VPOS="1494" ID="st23-1047"/><String HEIGHT="18" CONTENT="longeststrike" WIDTH="113" HPOS="905" VPOS="1494" ID="st23-1048"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1018" VPOS="1494" ID="st23-1049"/><String HEIGHT="18" CONTENT="in" WIDTH="17" HPOS="1027" VPOS="1494" ID="st23-1050"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1044" VPOS="1494" ID="st23-1051"/><String HEIGHT="18" CONTENT="12" WIDTH="17" HPOS="1053" VPOS="1494" ID="st23-1052"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1070" VPOS="1494" ID="st23-1053"/><String HEIGHT="18" CONTENT="years" WIDTH="43" HPOS="1079" VPOS="1494" ID="st23-1054"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1122" VPOS="1494" ID="st23-1055"/><String HEIGHT="18" CONTENT="union" WIDTH="43" HPOS="1131" VPOS="1494" ID="st23-1056"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1174" VPOS="1494" ID="st23-1057"/><String HEIGHT="18" CONTENT="says" WIDTH="34" HPOS="1183" VPOS="1494" ID="st23-1058"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1217" VPOS="1494" ID="st23-1059"/><String HEIGHT="18" CONTENT="idUSKCN127027" WIDTH="113" HPOS="1226" VPOS="1494" ID="st23-1060"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1339" VPOS="1494" ID="st23-1061"/></TextLine><TextLine HPOS="472" VPOS="1529" ID="tl23-46" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Reuters" WIDTH="64" HPOS="472" VPOS="1529" ID="st23-1062"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="536" VPOS="1529" ID="st23-1063"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="552" VPOS="1529" ID="st23-1064"/><String HEIGHT="18" CONTENT="2016" WIDTH="36" HPOS="561" VPOS="1529" ID="st23-1065"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="597" VPOS="1529" ID="st23-1066"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="612" VPOS="1529" ID="st23-1067"/><String HEIGHT="18" CONTENT="JPMorgan" WIDTH="83" HPOS="622" VPOS="1529" ID="st23-1068"/><SP/><String HEIGHT="18" CONTENT="to" WIDTH="17" HPOS="711" VPOS="1529" ID="st23-1069"/><SP/><String HEIGHT="18" CONTENT="raise" WIDTH="38" HPOS="734" VPOS="1529" ID="st23-1070"/><SP/><String HEIGHT="18" CONTENT="minimum" WIDTH="79" HPOS="777" VPOS="1529" ID="st23-1071"/><SP/><String HEIGHT="18" CONTENT="wage" WIDTH="45" HPOS="862" VPOS="1529" ID="st23-1072"/><SP/><String HEIGHT="18" CONTENT="for" WIDTH="24" HPOS="913" VPOS="1529" ID="st23-1073"/><SP/><String HEIGHT="18" CONTENT="18,000" WIDTH="59" HPOS="943" VPOS="1529" ID="st23-1074"/><SP/><String HEIGHT="18" CONTENT="U" WIDTH="8" HPOS="1008" VPOS="1529" ID="st23-1075"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1016" VPOS="1529" ID="st23-1076"/><String HEIGHT="18" CONTENT="S" WIDTH="8" HPOS="1024" VPOS="1529" ID="st23-1077"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1032" VPOS="1529" ID="st23-1078"/><SP/><String HEIGHT="18" CONTENT="workers" WIDTH="63" HPOS="1047" VPOS="1529" ID="st23-1079"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1110" VPOS="1529" ID="st23-1080"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1119" VPOS="1529" ID="st23-1081"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1135" VPOS="1529" ID="st23-1082"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1217" VPOS="1529" ID="st23-1083"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1231" VPOS="1529" ID="st23-1084"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="43" HPOS="1245" VPOS="1529" ID="st23-1085"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1288" VPOS="1529" ID="st23-1086"/><String HEIGHT="18" CONTENT="//www" WIDTH="44" HPOS="1297" VPOS="1529" ID="st23-1087"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1341" VPOS="1529" ID="st23-1088"/><String HEIGHT="18" CONTENT="reuters" WIDTH="62" HPOS="1350" VPOS="1529" ID="st23-1089"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1412" VPOS="1529" ID="st23-1090"/><String HEIGHT="18" CONTENT="com" WIDTH="27" HPOS="1420" VPOS="1529" ID="st23-1091"/><String HEIGHT="18" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="1529" ID="st23-1092"/></TextLine><TextLine HPOS="472" VPOS="1552" ID="tl23-47" WIDTH="822" HEIGHT="18"><String HEIGHT="18" CONTENT="article/us" WIDTH="91" HPOS="472" VPOS="1552" ID="st23-1093"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="563" VPOS="1552" ID="st23-1094"/><String HEIGHT="18" CONTENT="jpmorgan" WIDTH="73" HPOS="572" VPOS="1552" ID="st23-1095"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="645" VPOS="1552" ID="st23-1096"/><String HEIGHT="18" CONTENT="pay/jpmorgan" WIDTH="110" HPOS="654" VPOS="1552" ID="st23-1097"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="764" VPOS="1552" ID="st23-1098"/><String HEIGHT="18" CONTENT="to" WIDTH="18" HPOS="773" VPOS="1552" ID="st23-1099"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="791" VPOS="1552" ID="st23-1100"/><String HEIGHT="18" CONTENT="raise" WIDTH="46" HPOS="800" VPOS="1552" ID="st23-1101"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="846" VPOS="1552" ID="st23-1102"/><String HEIGHT="18" CONTENT="minimum" WIDTH="64" HPOS="855" VPOS="1552" ID="st23-1103"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="919" VPOS="1552" ID="st23-1104"/><String HEIGHT="18" CONTENT="wagefor" WIDTH="64" HPOS="928" VPOS="1552" ID="st23-1105"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="992" VPOS="1552" ID="st23-1106"/><String HEIGHT="18" CONTENT="18000" WIDTH="46" HPOS="1001" VPOS="1552" ID="st23-1107"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1047" VPOS="1552" ID="st23-1108"/><String HEIGHT="18" CONTENT="u" WIDTH="9" HPOS="1056" VPOS="1552" ID="st23-1109"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1065" VPOS="1552" ID="st23-1110"/><String HEIGHT="18" CONTENT="s" WIDTH="9" HPOS="1074" VPOS="1552" ID="st23-1111"/><String HEIGHT="18" CONTENT="-" WIDTH="10" HPOS="1083" VPOS="1552" ID="st23-1112"/><String HEIGHT="18" CONTENT="workers" WIDTH="64" HPOS="1093" VPOS="1552" ID="st23-1113"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1157" VPOS="1552" ID="st23-1114"/><String HEIGHT="18" CONTENT="idUSKCN0ZS2P3" WIDTH="118" HPOS="1166" VPOS="1552" ID="st23-1115"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1284" VPOS="1552" ID="st23-1116"/></TextLine><TextLine HPOS="472" VPOS="1587" ID="tl23-48" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Reyes" WIDTH="48" HPOS="472" VPOS="1587" ID="st23-1117"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="520" VPOS="1587" ID="st23-1118"/><SP/><String HEIGHT="19" CONTENT="E" WIDTH="8" HPOS="536" VPOS="1587" ID="st23-1119"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="544" VPOS="1587" ID="st23-1120"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="557" VPOS="1587" ID="st23-1121"/><String HEIGHT="19" CONTENT="13" WIDTH="18" HPOS="566" VPOS="1587" ID="st23-1122"/><SP/><String HEIGHT="19" CONTENT="December" WIDTH="84" HPOS="590" VPOS="1587" ID="st23-1123"/><SP/><String HEIGHT="19" CONTENT="2017" WIDTH="36" HPOS="680" VPOS="1587" ID="st23-1124"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="716" VPOS="1587" ID="st23-1125"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="725" VPOS="1587" ID="st23-1126"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="739" VPOS="1587" ID="st23-1127"/><String HEIGHT="19" CONTENT="LA" WIDTH="22" HPOS="749" VPOS="1587" ID="st23-1128"/><SP/><String HEIGHT="19" CONTENT="backs" WIDTH="46" HPOS="777" VPOS="1587" ID="st23-1129"/><SP/><String HEIGHT="19" CONTENT="requirements" WIDTH="108" HPOS="829" VPOS="1587" ID="st23-1130"/><SP/><String HEIGHT="19" CONTENT="that" WIDTH="33" HPOS="943" VPOS="1587" ID="st23-1131"/><SP/><String HEIGHT="19" CONTENT="could" WIDTH="45" HPOS="982" VPOS="1587" ID="st23-1132"/><SP/><String HEIGHT="19" CONTENT="freeze" WIDTH="51" HPOS="1032" VPOS="1587" ID="st23-1133"/><SP/><String HEIGHT="19" CONTENT="Wells" WIDTH="44" HPOS="1088" VPOS="1587" ID="st23-1134"/><SP/><String HEIGHT="19" CONTENT="Fargo" WIDTH="46" HPOS="1138" VPOS="1587" ID="st23-1135"/><SP/><String HEIGHT="19" CONTENT="from" WIDTH="39" HPOS="1190" VPOS="1587" ID="st23-1136"/><SP/><String HEIGHT="19" CONTENT="city" WIDTH="28" HPOS="1235" VPOS="1587" ID="st23-1137"/><SP/><String HEIGHT="19" CONTENT="contract" WIDTH="67" HPOS="1268" VPOS="1587" ID="st23-1138"/><String HEIGHT="19" CONTENT="«" WIDTH="8" HPOS="1335" VPOS="1587" ID="st23-1139"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1343" VPOS="1587" ID="st23-1140"/><SP/><String HEIGHT="19" CONTENT="Los" WIDTH="27" HPOS="1358" VPOS="1587" ID="st23-1141"/><SP/><String HEIGHT="19" CONTENT="Angeles" WIDTH="66" HPOS="1390" VPOS="1587" ID="st23-1142"/></TextLine><TextLine HPOS="472" VPOS="1610" ID="tl23-49" WIDTH="888" HEIGHT="19"><String HEIGHT="19" CONTENT="Times" WIDTH="44" HPOS="472" VPOS="1610" ID="st23-1143"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="516" VPOS="1610" ID="st23-1144"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="530" VPOS="1610" ID="st23-1145"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="612" VPOS="1610" ID="st23-1146"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="626" VPOS="1610" ID="st23-1147"/><SP/><String HEIGHT="19" CONTENT="http" WIDTH="35" HPOS="639" VPOS="1610" ID="st23-1148"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="674" VPOS="1610" ID="st23-1149"/><String HEIGHT="19" CONTENT="//www" WIDTH="44" HPOS="682" VPOS="1610" ID="st23-1150"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="726" VPOS="1610" ID="st23-1151"/><String HEIGHT="19" CONTENT="latimes" WIDTH="62" HPOS="735" VPOS="1610" ID="st23-1152"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="797" VPOS="1610" ID="st23-1153"/><String HEIGHT="19" CONTENT="com/local/lanow/la" WIDTH="158" HPOS="806" VPOS="1610" ID="st23-1154"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="964" VPOS="1610" ID="st23-1155"/><String HEIGHT="19" CONTENT="me" WIDTH="17" HPOS="973" VPOS="1610" ID="st23-1156"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="990" VPOS="1610" ID="st23-1157"/><String HEIGHT="19" CONTENT="ln" WIDTH="18" HPOS="999" VPOS="1610" ID="st23-1158"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1017" VPOS="1610" ID="st23-1159"/><String HEIGHT="19" CONTENT="banking" WIDTH="62" HPOS="1025" VPOS="1610" ID="st23-1160"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1087" VPOS="1610" ID="st23-1161"/><String HEIGHT="19" CONTENT="ordinance" WIDTH="79" HPOS="1096" VPOS="1610" ID="st23-1162"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1175" VPOS="1610" ID="st23-1163"/><String HEIGHT="19" CONTENT="20171212" WIDTH="70" HPOS="1184" VPOS="1610" ID="st23-1164"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1254" VPOS="1610" ID="st23-1165"/><String HEIGHT="19" CONTENT="story" WIDTH="44" HPOS="1263" VPOS="1610" ID="st23-1166"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1307" VPOS="1610" ID="st23-1167"/><String HEIGHT="19" CONTENT="html" WIDTH="35" HPOS="1316" VPOS="1610" ID="st23-1168"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1351" VPOS="1610" ID="st23-1169"/></TextLine><TextLine HPOS="472" VPOS="1646" ID="tl23-50" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Rucker" WIDTH="55" HPOS="472" VPOS="1646" ID="st23-1170"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="527" VPOS="1646" ID="st23-1171"/><SP/><String HEIGHT="18" CONTENT="P" WIDTH="6" HPOS="545" VPOS="1646" ID="st23-1172"/><String HEIGHT="18" CONTENT="." WIDTH="6" HPOS="551" VPOS="1646" ID="st23-1173"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="565" VPOS="1646" ID="st23-1174"/><String HEIGHT="18" CONTENT="2" WIDTH="8" HPOS="573" VPOS="1646" ID="st23-1175"/><SP/><String HEIGHT="18" CONTENT="October" WIDTH="66" HPOS="589" VPOS="1646" ID="st23-1176"/><SP/><String HEIGHT="18" CONTENT="2017" WIDTH="39" HPOS="663" VPOS="1646" ID="st23-1177"/><String HEIGHT="18" CONTENT=")" WIDTH="10" HPOS="702" VPOS="1646" ID="st23-1178"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="719" VPOS="1646" ID="st23-1179"/><String HEIGHT="18" CONTENT="Wells" WIDTH="46" HPOS="728" VPOS="1646" ID="st23-1180"/><SP/><String HEIGHT="18" CONTENT="Fargo" WIDTH="47" HPOS="781" VPOS="1646" ID="st23-1181"/><SP/><String HEIGHT="18" CONTENT="rehires" WIDTH="54" HPOS="835" VPOS="1646" ID="st23-1182"/><SP/><String HEIGHT="18" CONTENT="workers" WIDTH="66" HPOS="897" VPOS="1646" ID="st23-1183"/><SP/><String HEIGHT="18" CONTENT="pushed" WIDTH="61" HPOS="970" VPOS="1646" ID="st23-1184"/><SP/><String HEIGHT="18" CONTENT="aside" WIDTH="42" HPOS="1038" VPOS="1646" ID="st23-1185"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1088" VPOS="1646" ID="st23-1186"/><SP/><String HEIGHT="18" CONTENT="accounts" WIDTH="74" HPOS="1110" VPOS="1646" ID="st23-1187"/><SP/><String HEIGHT="18" CONTENT="scandal" WIDTH="60" HPOS="1191" VPOS="1646" ID="st23-1188"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1251" VPOS="1646" ID="st23-1189"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1260" VPOS="1646" ID="st23-1190"/><SP/><String HEIGHT="18" CONTENT="Reuters" WIDTH="58" HPOS="1276" VPOS="1646" ID="st23-1191"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1334" VPOS="1646" ID="st23-1192"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="1351" VPOS="1646" ID="st23-1193"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1435" VPOS="1646" ID="st23-1194"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1449" VPOS="1646" ID="st23-1195"/></TextLine><TextLine HPOS="472" VPOS="1669" ID="tl23-51" WIDTH="967" HEIGHT="18"><String HEIGHT="18" CONTENT="https" WIDTH="42" HPOS="472" VPOS="1669" ID="st23-1196"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="514" VPOS="1669" ID="st23-1197"/><String HEIGHT="18" CONTENT="//www" WIDTH="42" HPOS="522" VPOS="1669" ID="st23-1198"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="564" VPOS="1669" ID="st23-1199"/><String HEIGHT="18" CONTENT="reuters" WIDTH="59" HPOS="572" VPOS="1669" ID="st23-1200"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="631" VPOS="1669" ID="st23-1201"/><String HEIGHT="18" CONTENT="com/article/us" WIDTH="117" HPOS="640" VPOS="1669" ID="st23-1202"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="757" VPOS="1669" ID="st23-1203"/><String HEIGHT="18" CONTENT="wells" WIDTH="42" HPOS="766" VPOS="1669" ID="st23-1204"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="808" VPOS="1669" ID="st23-1205"/><String HEIGHT="18" CONTENT="fargo" WIDTH="42" HPOS="816" VPOS="1669" ID="st23-1206"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="858" VPOS="1669" ID="st23-1207"/><String HEIGHT="18" CONTENT="accounts" WIDTH="67" HPOS="867" VPOS="1669" ID="st23-1208"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="934" VPOS="1669" ID="st23-1209"/><String HEIGHT="18" CONTENT="sloan/wells" WIDTH="93" HPOS="942" VPOS="1669" ID="st23-1210"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1035" VPOS="1669" ID="st23-1211"/><String HEIGHT="18" CONTENT="fargo" WIDTH="42" HPOS="1043" VPOS="1669" ID="st23-1212"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1085" VPOS="1669" ID="st23-1213"/><String HEIGHT="18" CONTENT="rehires" WIDTH="59" HPOS="1094" VPOS="1669" ID="st23-1214"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1153" VPOS="1669" ID="st23-1215"/><String HEIGHT="18" CONTENT="workers" WIDTH="59" HPOS="1161" VPOS="1669" ID="st23-1216"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1220" VPOS="1669" ID="st23-1217"/><String HEIGHT="18" CONTENT="pushed" WIDTH="51" HPOS="1228" VPOS="1669" ID="st23-1218"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1279" VPOS="1669" ID="st23-1219"/><String HEIGHT="18" CONTENT="aside" WIDTH="42" HPOS="1287" VPOS="1669" ID="st23-1220"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1329" VPOS="1669" ID="st23-1221"/><String HEIGHT="18" CONTENT="in" WIDTH="16" HPOS="1338" VPOS="1669" ID="st23-1222"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1354" VPOS="1669" ID="st23-1223"/><String HEIGHT="18" CONTENT="accounts" WIDTH="68" HPOS="1363" VPOS="1669" ID="st23-1224" SUBS_TYPE="HypPart1" SUBS_CONTENT="accountsscandal"/><HYP CONTENT="-" WIDTH="8" HPOS="1431" VPOS="1669" HEIGHT="18"/></TextLine><TextLine HPOS="472" VPOS="1692" ID="tl23-52" WIDTH="215" HEIGHT="19"><String HEIGHT="19" CONTENT="scandal" WIDTH="68" HPOS="472" VPOS="1692" ID="st23-1225" SUBS_TYPE="HypPart2" SUBS_CONTENT="accountsscandal"/><String HEIGHT="19" CONTENT="-" WIDTH="10" HPOS="540" VPOS="1692" ID="st23-1226"/><String HEIGHT="19" CONTENT="idUSKCN1C721S" WIDTH="127" HPOS="550" VPOS="1692" ID="st23-1227"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="677" VPOS="1692" ID="st23-1228"/></TextLine><TextLine HPOS="472" VPOS="1727" ID="tl23-53" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Sahay" WIDTH="49" HPOS="472" VPOS="1727" ID="st23-1229"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="521" VPOS="1727" ID="st23-1230"/><SP/><String HEIGHT="19" CONTENT="R" WIDTH="7" HPOS="537" VPOS="1727" ID="st23-1231"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="544" VPOS="1727" ID="st23-1232"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="551" VPOS="1727" ID="st23-1233"/><SP/><String HEIGHT="19" CONTENT="Cihak" WIDTH="47" HPOS="565" VPOS="1727" ID="st23-1234"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="612" VPOS="1727" ID="st23-1235"/><SP/><String HEIGHT="19" CONTENT="M" WIDTH="9" HPOS="628" VPOS="1727" ID="st23-1236"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="637" VPOS="1727" ID="st23-1237"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="647" VPOS="1727" ID="st23-1238"/><SP/><String HEIGHT="19" CONTENT="N" WIDTH="9" HPOS="663" VPOS="1727" ID="st23-1239"/><String HEIGHT="19" CONTENT="’" WIDTH="10" HPOS="672" VPOS="1727" ID="st23-1240"/><String HEIGHT="19" CONTENT="Diaye" WIDTH="48" HPOS="682" VPOS="1727" ID="st23-1241"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="730" VPOS="1727" ID="st23-1242"/><SP/><String HEIGHT="19" CONTENT="P" WIDTH="6" HPOS="746" VPOS="1727" ID="st23-1243"/><String HEIGHT="19" CONTENT="." WIDTH="6" HPOS="752" VPOS="1727" ID="st23-1244"/><String HEIGHT="19" CONTENT="," WIDTH="6" HPOS="758" VPOS="1727" ID="st23-1245"/><SP/><String HEIGHT="19" CONTENT="Barajas" WIDTH="62" HPOS="770" VPOS="1727" ID="st23-1246"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="832" VPOS="1727" ID="st23-1247"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="8" HPOS="847" VPOS="1727" ID="st23-1248"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="855" VPOS="1727" ID="st23-1249"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="863" VPOS="1727" ID="st23-1250"/><SP/><String HEIGHT="19" CONTENT="Bi" WIDTH="15" HPOS="878" VPOS="1727" ID="st23-1251"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="893" VPOS="1727" ID="st23-1252"/><SP/><String HEIGHT="19" CONTENT="R" WIDTH="7" HPOS="907" VPOS="1727" ID="st23-1253"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="914" VPOS="1727" ID="st23-1254"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="922" VPOS="1727" ID="st23-1255"/><SP/><String HEIGHT="19" CONTENT="Ayala" WIDTH="47" HPOS="936" VPOS="1727" ID="st23-1256"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="983" VPOS="1727" ID="st23-1257"/><SP/><String HEIGHT="19" CONTENT="D" WIDTH="8" HPOS="999" VPOS="1727" ID="st23-1258"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1007" VPOS="1727" ID="st23-1259"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1015" VPOS="1727" ID="st23-1260"/><SP/><String HEIGHT="19" CONTENT="Gao" WIDTH="31" HPOS="1030" VPOS="1727" ID="st23-1261"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="1061" VPOS="1727" ID="st23-1262"/><SP/><String HEIGHT="19" CONTENT="Y" WIDTH="7" HPOS="1078" VPOS="1727" ID="st23-1263"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="1085" VPOS="1727" ID="st23-1264"/><String HEIGHT="19" CONTENT="," WIDTH="7" HPOS="1092" VPOS="1727" ID="st23-1265"/><SP/><String HEIGHT="19" CONTENT="Kyobe" WIDTH="52" HPOS="1106" VPOS="1727" ID="st23-1266"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="1158" VPOS="1727" ID="st23-1267"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="8" HPOS="1175" VPOS="1727" ID="st23-1268"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1183" VPOS="1727" ID="st23-1269"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1191" VPOS="1727" ID="st23-1270"/><SP/><String HEIGHT="19" CONTENT="Nguyen" WIDTH="66" HPOS="1206" VPOS="1727" ID="st23-1271"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="1272" VPOS="1727" ID="st23-1272"/><SP/><String HEIGHT="19" CONTENT="L" WIDTH="6" HPOS="1289" VPOS="1727" ID="st23-1273"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="1295" VPOS="1727" ID="st23-1274"/><String HEIGHT="19" CONTENT="," WIDTH="7" HPOS="1302" VPOS="1727" ID="st23-1275"/><SP/><String HEIGHT="19" CONTENT="Saborowski" WIDTH="101" HPOS="1316" VPOS="1727" ID="st23-1276"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="1417" VPOS="1727" ID="st23-1277"/><SP/><String HEIGHT="19" CONTENT="C" WIDTH="7" HPOS="1434" VPOS="1727" ID="st23-1278"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="1441" VPOS="1727" ID="st23-1279"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="1448" VPOS="1727" ID="st23-1280"/></TextLine><TextLine HPOS="472" VPOS="1751" ID="tl23-54" WIDTH="985" HEIGHT="18"><String HEIGHT="18" CONTENT="Svirydzenka" WIDTH="107" HPOS="472" VPOS="1751" ID="st23-1281"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="579" VPOS="1751" ID="st23-1282"/><SP/><String HEIGHT="18" CONTENT="K" WIDTH="8" HPOS="593" VPOS="1751" ID="st23-1283"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="601" VPOS="1751" ID="st23-1284"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="609" VPOS="1751" ID="st23-1285"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="34" HPOS="621" VPOS="1751" ID="st23-1286"/><SP/><String HEIGHT="18" CONTENT="Yousefi" WIDTH="63" HPOS="660" VPOS="1751" ID="st23-1287"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="723" VPOS="1751" ID="st23-1288"/><SP/><String HEIGHT="18" CONTENT="S" WIDTH="8" HPOS="737" VPOS="1751" ID="st23-1289"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="745" VPOS="1751" ID="st23-1290"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="757" VPOS="1751" ID="st23-1291"/><String HEIGHT="18" CONTENT="2015" WIDTH="34" HPOS="765" VPOS="1751" ID="st23-1292"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="799" VPOS="1751" ID="st23-1293"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="807" VPOS="1751" ID="st23-1294"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="821" VPOS="1751" ID="st23-1295"/><String HEIGHT="18" CONTENT="Rethinking" WIDTH="90" HPOS="830" VPOS="1751" ID="st23-1296"/><SP/><String HEIGHT="18" CONTENT="Financial" WIDTH="71" HPOS="924" VPOS="1751" ID="st23-1297"/><SP/><String HEIGHT="18" CONTENT="Deepening" WIDTH="85" HPOS="1000" VPOS="1751" ID="st23-1298"/><String HEIGHT="18" CONTENT=":" WIDTH="10" HPOS="1085" VPOS="1751" ID="st23-1299"/><SP/><String HEIGHT="18" CONTENT="Stability" WIDTH="65" HPOS="1099" VPOS="1751" ID="st23-1300"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1168" VPOS="1751" ID="st23-1301"/><SP/><String HEIGHT="18" CONTENT="Growth" WIDTH="63" HPOS="1204" VPOS="1751" ID="st23-1302"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1271" VPOS="1751" ID="st23-1303"/><SP/><String HEIGHT="18" CONTENT="Emerging" WIDTH="79" HPOS="1290" VPOS="1751" ID="st23-1304"/><SP/><String HEIGHT="18" CONTENT="Markets" WIDTH="64" HPOS="1374" VPOS="1751" ID="st23-1305"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1438" VPOS="1751" ID="st23-1306"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1447" VPOS="1751" ID="st23-1307"/></TextLine><TextLine HPOS="472" VPOS="1774" ID="tl23-55" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="International" WIDTH="105" HPOS="472" VPOS="1774" ID="st23-1308"/><SP/><String HEIGHT="19" CONTENT="Monetary" WIDTH="80" HPOS="582" VPOS="1774" ID="st23-1309"/><SP/><String HEIGHT="19" CONTENT="Fund" WIDTH="41" HPOS="668" VPOS="1774" ID="st23-1310"/><SP/><String HEIGHT="19" CONTENT="Staff" WIDTH="39" HPOS="714" VPOS="1774" ID="st23-1311"/><SP/><String HEIGHT="19" CONTENT="Discussion" WIDTH="86" HPOS="758" VPOS="1774" ID="st23-1312"/><SP/><String HEIGHT="19" CONTENT="Note" WIDTH="36" HPOS="849" VPOS="1774" ID="st23-1313"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="885" VPOS="1774" ID="st23-1314"/><SP/><String HEIGHT="19" CONTENT="Monetary" WIDTH="80" HPOS="900" VPOS="1774" ID="st23-1315"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="985" VPOS="1774" ID="st23-1316"/><SP/><String HEIGHT="19" CONTENT="Capital" WIDTH="58" HPOS="1022" VPOS="1774" ID="st23-1317"/><SP/><String HEIGHT="19" CONTENT="Markets" WIDTH="67" HPOS="1086" VPOS="1774" ID="st23-1318"/><SP/><String HEIGHT="19" CONTENT="Department" WIDTH="99" HPOS="1158" VPOS="1774" ID="st23-1319"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1263" VPOS="1774" ID="st23-1320"/><SP/><String HEIGHT="19" CONTENT="Strategy" WIDTH="68" HPOS="1300" VPOS="1774" ID="st23-1321"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1373" VPOS="1774" ID="st23-1322"/><SP/><String HEIGHT="19" CONTENT="Policy" WIDTH="46" HPOS="1410" VPOS="1774" ID="st23-1323"/></TextLine><TextLine HPOS="472" VPOS="1797" ID="tl23-56" WIDTH="787" HEIGHT="19"><String HEIGHT="19" CONTENT="Review" WIDTH="58" HPOS="472" VPOS="1797" ID="st23-1324"/><SP/><String HEIGHT="19" CONTENT="Department" WIDTH="94" HPOS="536" VPOS="1797" ID="st23-1325"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="630" VPOS="1797" ID="st23-1326"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="646" VPOS="1797" ID="st23-1327"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="728" VPOS="1797" ID="st23-1328"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="742" VPOS="1797" ID="st23-1329"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="43" HPOS="755" VPOS="1797" ID="st23-1330"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="798" VPOS="1797" ID="st23-1331"/><String HEIGHT="19" CONTENT="//www" WIDTH="43" HPOS="807" VPOS="1797" ID="st23-1332"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="850" VPOS="1797" ID="st23-1333"/><String HEIGHT="19" CONTENT="imf" WIDTH="26" HPOS="859" VPOS="1797" ID="st23-1334"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="885" VPOS="1797" ID="st23-1335"/><String HEIGHT="19" CONTENT="org/external/pubs/ft/sdn/2015/sdn1508" WIDTH="321" HPOS="894" VPOS="1797" ID="st23-1336"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1215" VPOS="1797" ID="st23-1337"/><String HEIGHT="19" CONTENT="pdf" WIDTH="26" HPOS="1224" VPOS="1797" ID="st23-1338"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1250" VPOS="1797" ID="st23-1339"/></TextLine><TextLine HPOS="472" VPOS="1833" ID="tl23-57" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Sarin" WIDTH="43" HPOS="472" VPOS="1833" ID="st23-1340"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="515" VPOS="1833" ID="st23-1341"/><SP/><String HEIGHT="18" CONTENT="N" WIDTH="8" HPOS="533" VPOS="1833" ID="st23-1342"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="541" VPOS="1833" ID="st23-1343"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="549" VPOS="1833" ID="st23-1344"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="35" HPOS="566" VPOS="1833" ID="st23-1345"/><SP/><String HEIGHT="18" CONTENT="Summers" WIDTH="77" HPOS="610" VPOS="1833" ID="st23-1346"/><String HEIGHT="18" CONTENT="," WIDTH="12" HPOS="687" VPOS="1833" ID="st23-1347"/><SP/><String HEIGHT="18" CONTENT="L" WIDTH="7" HPOS="708" VPOS="1833" ID="st23-1348"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="715" VPOS="1833" ID="st23-1349"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="732" VPOS="1833" ID="st23-1350"/><String HEIGHT="18" CONTENT="2016" WIDTH="34" HPOS="740" VPOS="1833" ID="st23-1351"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="774" VPOS="1833" ID="st23-1352"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="783" VPOS="1833" ID="st23-1353"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="800" VPOS="1833" ID="st23-1354"/><String HEIGHT="18" CONTENT="Understanding" WIDTH="125" HPOS="809" VPOS="1833" ID="st23-1355"/><SP/><String HEIGHT="18" CONTENT="Bank" WIDTH="42" HPOS="942" VPOS="1833" ID="st23-1356"/><SP/><String HEIGHT="18" CONTENT="Risk" WIDTH="33" HPOS="992" VPOS="1833" ID="st23-1357"/><SP/><String HEIGHT="18" CONTENT="through" WIDTH="67" HPOS="1033" VPOS="1833" ID="st23-1358"/><SP/><String HEIGHT="18" CONTENT="Market" WIDTH="60" HPOS="1109" VPOS="1833" ID="st23-1359"/><SP/><String HEIGHT="18" CONTENT="Measures" WIDTH="76" HPOS="1177" VPOS="1833" ID="st23-1360"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1253" VPOS="1833" ID="st23-1361"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1262" VPOS="1833" ID="st23-1362"/><SP/><String HEIGHT="18" CONTENT="Brookings" WIDTH="82" HPOS="1281" VPOS="1833" ID="st23-1363"/><SP/><String HEIGHT="18" CONTENT="Papers" WIDTH="54" HPOS="1372" VPOS="1833" ID="st23-1364"/><SP/><String HEIGHT="18" CONTENT="on" WIDTH="22" HPOS="1434" VPOS="1833" ID="st23-1365"/></TextLine><TextLine HPOS="472" VPOS="1856" ID="tl23-58" WIDTH="983" HEIGHT="18"><String HEIGHT="18" CONTENT="Economic" WIDTH="80" HPOS="472" VPOS="1856" ID="st23-1366"/><SP/><String HEIGHT="18" CONTENT="Activity" WIDTH="56" HPOS="556" VPOS="1856" ID="st23-1367"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="612" VPOS="1856" ID="st23-1368"/><SP/><String HEIGHT="18" CONTENT="Fall" WIDTH="27" HPOS="624" VPOS="1856" ID="st23-1369"/><SP/><String HEIGHT="18" CONTENT="2016" WIDTH="39" HPOS="655" VPOS="1856" ID="st23-1370"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="694" VPOS="1856" ID="st23-1371"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="708" VPOS="1856" ID="st23-1372"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="789" VPOS="1856" ID="st23-1373"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="803" VPOS="1856" ID="st23-1374"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="43" HPOS="815" VPOS="1856" ID="st23-1375"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="858" VPOS="1856" ID="st23-1376"/><String HEIGHT="18" CONTENT="//www" WIDTH="44" HPOS="867" VPOS="1856" ID="st23-1377"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="911" VPOS="1856" ID="st23-1378"/><String HEIGHT="18" CONTENT="brookings" WIDTH="79" HPOS="920" VPOS="1856" ID="st23-1379"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="999" VPOS="1856" ID="st23-1380"/><String HEIGHT="18" CONTENT="edu/wp" WIDTH="52" HPOS="1008" VPOS="1856" ID="st23-1381"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1060" VPOS="1856" ID="st23-1382"/><String HEIGHT="18" CONTENT="content/uploads/2017/02/sarintextfall16bpea" WIDTH="378" HPOS="1069" VPOS="1856" ID="st23-1383"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1447" VPOS="1856" ID="st23-1384"/></TextLine><TextLine HPOS="472" VPOS="1879" ID="tl23-59" WIDTH="33" HEIGHT="19"><String HEIGHT="19" CONTENT="pdf" WIDTH="24" HPOS="472" VPOS="1879" ID="st23-1385"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="496" VPOS="1879" ID="st23-1386"/></TextLine><TextLine HPOS="472" VPOS="1914" ID="tl23-60" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Saunders" WIDTH="80" HPOS="472" VPOS="1914" ID="st23-1387"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="552" VPOS="1914" ID="st23-1388"/><SP/><String HEIGHT="19" CONTENT="Aaron" WIDTH="56" HPOS="570" VPOS="1914" ID="st23-1389"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="635" VPOS="1914" ID="st23-1390"/><String HEIGHT="19" CONTENT="2017" WIDTH="36" HPOS="644" VPOS="1914" ID="st23-1391"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="680" VPOS="1914" ID="st23-1392"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="697" VPOS="1914" ID="st23-1393"/><String HEIGHT="19" CONTENT="Sub" WIDTH="29" HPOS="706" VPOS="1914" ID="st23-1394"/><String HEIGHT="19" CONTENT="-" WIDTH="10" HPOS="735" VPOS="1914" ID="st23-1395"/><String HEIGHT="19" CONTENT="Prime" WIDTH="48" HPOS="745" VPOS="1914" ID="st23-1396"/><SP/><String HEIGHT="19" CONTENT="Lending" WIDTH="62" HPOS="801" VPOS="1914" ID="st23-1397"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="863" VPOS="1914" ID="st23-1398"/><SP/><String HEIGHT="19" CONTENT="Will" WIDTH="32" HPOS="881" VPOS="1914" ID="st23-1399"/><SP/><String HEIGHT="19" CONTENT="It" WIDTH="10" HPOS="922" VPOS="1914" ID="st23-1400"/><SP/><String HEIGHT="19" CONTENT="Be" WIDTH="21" HPOS="941" VPOS="1914" ID="st23-1401"/><SP/><String HEIGHT="19" CONTENT="Different" WIDTH="73" HPOS="970" VPOS="1914" ID="st23-1402"/><SP/><String HEIGHT="19" CONTENT="This" WIDTH="32" HPOS="1052" VPOS="1914" ID="st23-1403"/><SP/><String HEIGHT="19" CONTENT="Time" WIDTH="37" HPOS="1093" VPOS="1914" ID="st23-1404"/><String HEIGHT="19" CONTENT="?" WIDTH="10" HPOS="1130" VPOS="1914" ID="st23-1405"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="1140" VPOS="1914" ID="st23-1406"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1149" VPOS="1914" ID="st23-1407"/><SP/><String HEIGHT="19" CONTENT="Seeking" WIDTH="64" HPOS="1168" VPOS="1914" ID="st23-1408"/><SP/><String HEIGHT="19" CONTENT="Alpha" WIDTH="49" HPOS="1241" VPOS="1914" ID="st23-1409"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="1298" VPOS="1914" ID="st23-1410"/><String HEIGHT="19" CONTENT="31" WIDTH="18" HPOS="1307" VPOS="1914" ID="st23-1411"/><SP/><String HEIGHT="19" CONTENT="August" WIDTH="60" HPOS="1334" VPOS="1914" ID="st23-1412"/><SP/><String HEIGHT="19" CONTENT="2017" WIDTH="36" HPOS="1402" VPOS="1914" ID="st23-1413"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="1438" VPOS="1914" ID="st23-1414"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1914" ID="st23-1415"/></TextLine><TextLine HPOS="472" VPOS="1938" ID="tl23-61" WIDTH="771" HEIGHT="18"><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="1938" ID="st23-1416"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="554" VPOS="1938" ID="st23-1417"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="568" VPOS="1938" ID="st23-1418"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="41" HPOS="581" VPOS="1938" ID="st23-1419"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="622" VPOS="1938" ID="st23-1420"/><String HEIGHT="18" CONTENT="//seekingalpha" WIDTH="117" HPOS="631" VPOS="1938" ID="st23-1421"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="748" VPOS="1938" ID="st23-1422"/><String HEIGHT="18" CONTENT="com/article/4103473" WIDTH="160" HPOS="756" VPOS="1938" ID="st23-1423"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="916" VPOS="1938" ID="st23-1424"/><String HEIGHT="18" CONTENT="sub" WIDTH="25" HPOS="924" VPOS="1938" ID="st23-1425"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="949" VPOS="1938" ID="st23-1426"/><String HEIGHT="18" CONTENT="prime" WIDTH="41" HPOS="958" VPOS="1938" ID="st23-1427"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="999" VPOS="1938" ID="st23-1428"/><String HEIGHT="18" CONTENT="lending" WIDTH="59" HPOS="1008" VPOS="1938" ID="st23-1429"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1067" VPOS="1938" ID="st23-1430"/><String HEIGHT="18" CONTENT="will" WIDTH="33" HPOS="1075" VPOS="1938" ID="st23-1431"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1108" VPOS="1938" ID="st23-1432"/><String HEIGHT="18" CONTENT="different" WIDTH="75" HPOS="1117" VPOS="1938" ID="st23-1433"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1192" VPOS="1938" ID="st23-1434"/><String HEIGHT="18" CONTENT="time" WIDTH="33" HPOS="1201" VPOS="1938" ID="st23-1435"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1234" VPOS="1938" ID="st23-1436"/></TextLine><TextLine HPOS="472" VPOS="1973" ID="tl23-62" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Sender" WIDTH="57" HPOS="472" VPOS="1973" ID="st23-1437"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="529" VPOS="1973" ID="st23-1438"/><SP/><String HEIGHT="18" CONTENT="H" WIDTH="9" HPOS="545" VPOS="1973" ID="st23-1439"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="554" VPOS="1973" ID="st23-1440"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="570" VPOS="1973" ID="st23-1441"/><String HEIGHT="18" CONTENT="7" WIDTH="8" HPOS="578" VPOS="1973" ID="st23-1442"/><SP/><String HEIGHT="18" CONTENT="May" WIDTH="36" HPOS="591" VPOS="1973" ID="st23-1443"/><SP/><String HEIGHT="18" CONTENT="2013" WIDTH="36" HPOS="632" VPOS="1973" ID="st23-1444"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="668" VPOS="1973" ID="st23-1445"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="677" VPOS="1973" ID="st23-1446"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="692" VPOS="1973" ID="st23-1447"/><String HEIGHT="18" CONTENT="Santander" WIDTH="86" HPOS="701" VPOS="1973" ID="st23-1448"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="792" VPOS="1973" ID="st23-1449"/><SP/><String HEIGHT="18" CONTENT="private" WIDTH="56" HPOS="829" VPOS="1973" ID="st23-1450"/><SP/><String HEIGHT="18" CONTENT="equity" WIDTH="51" HPOS="890" VPOS="1973" ID="st23-1451"/><SP/><String HEIGHT="18" CONTENT="firms" WIDTH="41" HPOS="947" VPOS="1973" ID="st23-1452"/><SP/><String HEIGHT="18" CONTENT="plan" WIDTH="36" HPOS="993" VPOS="1973" ID="st23-1453"/><SP/><String HEIGHT="18" CONTENT="car" WIDTH="25" HPOS="1034" VPOS="1973" ID="st23-1454"/><SP/><String HEIGHT="18" CONTENT="finance" WIDTH="61" HPOS="1064" VPOS="1973" ID="st23-1455"/><SP/><String HEIGHT="18" CONTENT="unit" WIDTH="32" HPOS="1130" VPOS="1973" ID="st23-1456"/><SP/><String HEIGHT="18" CONTENT="IPO" WIDTH="26" HPOS="1168" VPOS="1973" ID="st23-1457"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1194" VPOS="1973" ID="st23-1458"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1203" VPOS="1973" ID="st23-1459"/><SP/><String HEIGHT="18" CONTENT="Financial" WIDTH="71" HPOS="1218" VPOS="1973" ID="st23-1460"/><SP/><String HEIGHT="18" CONTENT="Times" WIDTH="44" HPOS="1294" VPOS="1973" ID="st23-1461"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1338" VPOS="1973" ID="st23-1462"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="1353" VPOS="1973" ID="st23-1463"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1435" VPOS="1973" ID="st23-1464"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1449" VPOS="1973" ID="st23-1465"/></TextLine><TextLine HPOS="472" VPOS="1996" ID="tl23-63" WIDTH="600" HEIGHT="19"><String HEIGHT="19" CONTENT="https" WIDTH="46" HPOS="472" VPOS="1996" ID="st23-1466"/><String HEIGHT="19" CONTENT=":" WIDTH="10" HPOS="518" VPOS="1996" ID="st23-1467"/><String HEIGHT="19" CONTENT="//www" WIDTH="47" HPOS="528" VPOS="1996" ID="st23-1468"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="575" VPOS="1996" ID="st23-1469"/><String HEIGHT="19" CONTENT="ft" WIDTH="19" HPOS="584" VPOS="1996" ID="st23-1470"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="603" VPOS="1996" ID="st23-1471"/><String HEIGHT="19" CONTENT="com/content/4841e60c" WIDTH="188" HPOS="612" VPOS="1996" ID="st23-1472"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="800" VPOS="1996" ID="st23-1473"/><String HEIGHT="19" CONTENT="b733" WIDTH="38" HPOS="809" VPOS="1996" ID="st23-1474"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="847" VPOS="1996" ID="st23-1475"/><String HEIGHT="19" CONTENT="11e2" WIDTH="37" HPOS="856" VPOS="1996" ID="st23-1476"/><String HEIGHT="19" CONTENT="-" WIDTH="10" HPOS="893" VPOS="1996" ID="st23-1477"/><String HEIGHT="19" CONTENT="841e" WIDTH="37" HPOS="903" VPOS="1996" ID="st23-1478"/><String HEIGHT="19" CONTENT="-" WIDTH="10" HPOS="940" VPOS="1996" ID="st23-1479"/><String HEIGHT="19" CONTENT="00144feabdc0" WIDTH="112" HPOS="950" VPOS="1996" ID="st23-1480"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1062" VPOS="1996" ID="st23-1481"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl23-64" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="22" WIDTH="32" HPOS="810" VPOS="2254" ID="st23-1482"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="24" ID="p840463" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840463" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840463" HEIGHT="2338"><TextLine HPOS="652" VPOS="56" ID="tl24-0" WIDTH="804" HEIGHT="21"><String HEIGHT="21" CONTENT="S" WIDTH="9" HPOS="652" VPOS="56" ID="st24-0"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="661" VPOS="56" ID="st24-1"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="74" HPOS="677" VPOS="56" ID="st24-2"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="751" VPOS="56" ID="st24-3"/><SP/><String HEIGHT="21" CONTENT="R" WIDTH="10" HPOS="770" VPOS="56" ID="st24-4"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="780" VPOS="56" ID="st24-5"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="89" HPOS="796" VPOS="56" ID="st24-6"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="885" VPOS="56" ID="st24-7"/><SP/><String HEIGHT="21" CONTENT="M" WIDTH="14" HPOS="903" VPOS="56" ID="st24-8"/><String HEIGHT="21" CONTENT="." WIDTH="14" HPOS="917" VPOS="56" ID="st24-9"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="100" HPOS="937" VPOS="56" ID="st24-10"/><String HEIGHT="21" CONTENT="," WIDTH="15" HPOS="1037" VPOS="56" ID="st24-11"/><SP/><String HEIGHT="21" CONTENT="C" WIDTH="10" HPOS="1058" VPOS="56" ID="st24-12"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1068" VPOS="56" ID="st24-13"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="107" HPOS="1084" VPOS="56" ID="st24-14"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1203" VPOS="56" ID="st24-15"/><SP/><String HEIGHT="21" CONTENT="Tipping" WIDTH="83" HPOS="1220" VPOS="56" ID="st24-16"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="41" HPOS="1309" VPOS="56" ID="st24-17"/><SP/><String HEIGHT="21" CONTENT="Balance" WIDTH="101" HPOS="1355" VPOS="56" ID="st24-18"/></TextLine><TextLine HPOS="196" VPOS="191" ID="tl24-1" WIDTH="184" HEIGHT="34"><String HEIGHT="34" CONTENT="References" WIDTH="184" HPOS="196" VPOS="191" ID="st24-19"/></TextLine><TextLine HPOS="472" VPOS="289" ID="tl24-2" WIDTH="985" HEIGHT="19"><String HEIGHT="19" CONTENT="Silva" WIDTH="40" HPOS="472" VPOS="289" ID="st24-20"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="512" VPOS="289" ID="st24-21"/><SP/><String HEIGHT="19" CONTENT="L" WIDTH="7" HPOS="530" VPOS="289" ID="st24-22"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="537" VPOS="289" ID="st24-23"/><String HEIGHT="19" CONTENT="S" WIDTH="8" HPOS="544" VPOS="289" ID="st24-24"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="552" VPOS="289" ID="st24-25"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="559" VPOS="289" ID="st24-26"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="35" HPOS="575" VPOS="289" ID="st24-27"/><SP/><String HEIGHT="19" CONTENT="Barreto" WIDTH="63" HPOS="619" VPOS="289" ID="st24-28"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="682" VPOS="289" ID="st24-29"/><SP/><String HEIGHT="19" CONTENT="S" WIDTH="10" HPOS="701" VPOS="289" ID="st24-30"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="711" VPOS="289" ID="st24-31"/><String HEIGHT="19" CONTENT="M" WIDTH="10" HPOS="721" VPOS="289" ID="st24-32"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="731" VPOS="289" ID="st24-33"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="750" VPOS="289" ID="st24-34"/><String HEIGHT="19" CONTENT="2010" WIDTH="34" HPOS="758" VPOS="289" ID="st24-35"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="792" VPOS="289" ID="st24-36"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="801" VPOS="289" ID="st24-37"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="819" VPOS="289" ID="st24-38"/><String HEIGHT="19" CONTENT="Adverse" WIDTH="68" HPOS="828" VPOS="289" ID="st24-39"/><SP/><String HEIGHT="19" CONTENT="psychosocial" WIDTH="104" HPOS="904" VPOS="289" ID="st24-40"/><SP/><String HEIGHT="19" CONTENT="working" WIDTH="69" HPOS="1016" VPOS="289" ID="st24-41"/><SP/><String HEIGHT="19" CONTENT="conditions" WIDTH="86" HPOS="1094" VPOS="289" ID="st24-42"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="1188" VPOS="289" ID="st24-43"/><SP/><String HEIGHT="19" CONTENT="minor" WIDTH="48" HPOS="1229" VPOS="289" ID="st24-44"/><SP/><String HEIGHT="19" CONTENT="psychiatric" WIDTH="87" HPOS="1286" VPOS="289" ID="st24-45"/><SP/><String HEIGHT="19" CONTENT="disorders" WIDTH="75" HPOS="1382" VPOS="289" ID="st24-46"/></TextLine><TextLine HPOS="472" VPOS="313" ID="tl24-3" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="among" WIDTH="58" HPOS="472" VPOS="313" ID="st24-47"/><SP/><String HEIGHT="18" CONTENT="bank" WIDTH="42" HPOS="538" VPOS="313" ID="st24-48"/><SP/><String HEIGHT="18" CONTENT="workers" WIDTH="63" HPOS="588" VPOS="313" ID="st24-49"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="651" VPOS="313" ID="st24-50"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="660" VPOS="313" ID="st24-51"/><SP/><String HEIGHT="18" CONTENT="BioMed" WIDTH="64" HPOS="678" VPOS="313" ID="st24-52"/><SP/><String HEIGHT="18" CONTENT="Central" WIDTH="61" HPOS="750" VPOS="313" ID="st24-53"/><SP/><String HEIGHT="18" CONTENT="Public" WIDTH="48" HPOS="819" VPOS="313" ID="st24-54"/><SP/><String HEIGHT="18" CONTENT="Health" WIDTH="50" HPOS="876" VPOS="313" ID="st24-55"/><String HEIGHT="18" CONTENT=";" WIDTH="9" HPOS="926" VPOS="313" ID="st24-56"/><SP/><String HEIGHT="18" CONTENT="10" WIDTH="18" HPOS="943" VPOS="313" ID="st24-57"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="961" VPOS="313" ID="st24-58"/><String HEIGHT="18" CONTENT="686" WIDTH="28" HPOS="970" VPOS="313" ID="st24-59"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="998" VPOS="313" ID="st24-60"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1016" VPOS="313" ID="st24-61"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1101" VPOS="313" ID="st24-62"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1115" VPOS="313" ID="st24-63"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="42" HPOS="1131" VPOS="313" ID="st24-64"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1173" VPOS="313" ID="st24-65"/><String HEIGHT="18" CONTENT="//bmcpublichealth" WIDTH="145" HPOS="1182" VPOS="313" ID="st24-66"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1327" VPOS="313" ID="st24-67"/><String HEIGHT="18" CONTENT="biomedcentral" WIDTH="111" HPOS="1336" VPOS="313" ID="st24-68"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="313" ID="st24-69"/></TextLine><TextLine HPOS="472" VPOS="336" ID="tl24-4" WIDTH="345" HEIGHT="19"><String HEIGHT="19" CONTENT="com/articles/10" WIDTH="136" HPOS="472" VPOS="336" ID="st24-70"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="608" VPOS="336" ID="st24-71"/><String HEIGHT="19" CONTENT="1186/1471" WIDTH="81" HPOS="617" VPOS="336" ID="st24-72"/><String HEIGHT="19" CONTENT="-" WIDTH="10" HPOS="698" VPOS="336" ID="st24-73"/><String HEIGHT="19" CONTENT="2458" WIDTH="36" HPOS="708" VPOS="336" ID="st24-74"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="744" VPOS="336" ID="st24-75"/><String HEIGHT="19" CONTENT="10" WIDTH="18" HPOS="753" VPOS="336" ID="st24-76"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="771" VPOS="336" ID="st24-77"/><String HEIGHT="19" CONTENT="686" WIDTH="27" HPOS="780" VPOS="336" ID="st24-78"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="807" VPOS="336" ID="st24-79"/></TextLine><TextLine HPOS="472" VPOS="371" ID="tl24-5" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Silvers" WIDTH="56" HPOS="472" VPOS="371" ID="st24-80"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="528" VPOS="371" ID="st24-81"/><SP/><String HEIGHT="19" CONTENT="D" WIDTH="8" HPOS="545" VPOS="371" ID="st24-82"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="553" VPOS="371" ID="st24-83"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="561" VPOS="371" ID="st24-84"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="34" HPOS="579" VPOS="371" ID="st24-85"/><SP/><String HEIGHT="19" CONTENT="Slavkin" WIDTH="62" HPOS="622" VPOS="371" ID="st24-86"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="684" VPOS="371" ID="st24-87"/><SP/><String HEIGHT="19" CONTENT="H" WIDTH="9" HPOS="702" VPOS="371" ID="st24-88"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="711" VPOS="371" ID="st24-89"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="730" VPOS="371" ID="st24-90"/><String HEIGHT="19" CONTENT="2009" WIDTH="34" HPOS="738" VPOS="371" ID="st24-91"/><String HEIGHT="19" CONTENT=")" WIDTH="8" HPOS="772" VPOS="371" ID="st24-92"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="780" VPOS="371" ID="st24-93"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="798" VPOS="371" ID="st24-94"/><String HEIGHT="19" CONTENT="The" WIDTH="31" HPOS="808" VPOS="371" ID="st24-95"/><SP/><String HEIGHT="19" CONTENT="Legacy" WIDTH="56" HPOS="848" VPOS="371" ID="st24-96"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="912" VPOS="371" ID="st24-97"/><SP/><String HEIGHT="19" CONTENT="Deregulation" WIDTH="107" HPOS="938" VPOS="371" ID="st24-98"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="1054" VPOS="371" ID="st24-99"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1093" VPOS="371" ID="st24-100"/><SP/><String HEIGHT="19" CONTENT="Financial" WIDTH="71" HPOS="1129" VPOS="371" ID="st24-101"/><SP/><String HEIGHT="19" CONTENT="Crisis" WIDTH="42" HPOS="1209" VPOS="371" ID="st24-102"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="1251" VPOS="371" ID="st24-103"/><SP/><String HEIGHT="19" CONTENT="Linkages" WIDTH="71" HPOS="1266" VPOS="371" ID="st24-104"/><SP/><String HEIGHT="19" CONTENT="Between" WIDTH="72" HPOS="1346" VPOS="371" ID="st24-105"/><SP/><String HEIGHT="19" CONTENT="De" WIDTH="20" HPOS="1427" VPOS="371" ID="st24-106" SUBS_TYPE="HypPart1" SUBS_CONTENT="Deregulation"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="371" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="395" ID="tl24-6" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="regulation" WIDTH="84" HPOS="472" VPOS="395" ID="st24-107" SUBS_TYPE="HypPart2" SUBS_CONTENT="Deregulation"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="564" VPOS="395" ID="st24-108"/><SP/><String HEIGHT="18" CONTENT="Labor" WIDTH="46" HPOS="588" VPOS="395" ID="st24-109"/><SP/><String HEIGHT="18" CONTENT="Markets" WIDTH="63" HPOS="643" VPOS="395" ID="st24-110"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="706" VPOS="395" ID="st24-111"/><SP/><String HEIGHT="18" CONTENT="Housing" WIDTH="68" HPOS="724" VPOS="395" ID="st24-112"/><SP/><String HEIGHT="18" CONTENT="Finance" WIDTH="63" HPOS="800" VPOS="395" ID="st24-113"/><SP/><String HEIGHT="18" CONTENT="Markets" WIDTH="63" HPOS="871" VPOS="395" ID="st24-114"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="934" VPOS="395" ID="st24-115"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="952" VPOS="395" ID="st24-116"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="992" VPOS="395" ID="st24-117"/><SP/><String HEIGHT="18" CONTENT="Broader" WIDTH="64" HPOS="1028" VPOS="395" ID="st24-118"/><SP/><String HEIGHT="18" CONTENT="Financial" WIDTH="71" HPOS="1101" VPOS="395" ID="st24-119"/><SP/><String HEIGHT="18" CONTENT="Markets" WIDTH="64" HPOS="1180" VPOS="395" ID="st24-120"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1244" VPOS="395" ID="st24-121"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1253" VPOS="395" ID="st24-122"/><SP/><String HEIGHT="18" CONTENT="Journal" WIDTH="59" HPOS="1272" VPOS="395" ID="st24-123"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="1340" VPOS="395" ID="st24-124"/><SP/><String HEIGHT="18" CONTENT="Business" WIDTH="69" HPOS="1366" VPOS="395" ID="st24-125"/><String HEIGHT="18" CONTENT="&amp;" WIDTH="13" HPOS="1443" VPOS="395" ID="st24-126"/></TextLine><TextLine HPOS="472" VPOS="418" ID="tl24-7" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Technology" WIDTH="94" HPOS="472" VPOS="418" ID="st24-127"/><SP/><String HEIGHT="18" CONTENT="Law" WIDTH="28" HPOS="576" VPOS="418" ID="st24-128"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="604" VPOS="418" ID="st24-129"/><SP/><String HEIGHT="18" CONTENT="Vol" WIDTH="24" HPOS="624" VPOS="418" ID="st24-130"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="648" VPOS="418" ID="st24-131"/><SP/><String HEIGHT="18" CONTENT="4" WIDTH="8" HPOS="666" VPOS="418" ID="st24-132"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="674" VPOS="418" ID="st24-133"/><SP/><String HEIGHT="18" CONTENT="Iss" WIDTH="18" HPOS="693" VPOS="418" ID="st24-134"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="711" VPOS="418" ID="st24-135"/><SP/><String HEIGHT="18" CONTENT="2" WIDTH="8" HPOS="728" VPOS="418" ID="st24-136"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="736" VPOS="418" ID="st24-137"/><SP/><String HEIGHT="18" CONTENT="Article" WIDTH="53" HPOS="755" VPOS="418" ID="st24-138"/><SP/><String HEIGHT="18" CONTENT="5" WIDTH="8" HPOS="818" VPOS="418" ID="st24-139"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="826" VPOS="418" ID="st24-140"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="845" VPOS="418" ID="st24-141"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="932" VPOS="418" ID="st24-142"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="946" VPOS="418" ID="st24-143"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="35" HPOS="965" VPOS="418" ID="st24-144"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1000" VPOS="418" ID="st24-145"/><String HEIGHT="18" CONTENT="//digitalcommons" WIDTH="141" HPOS="1008" VPOS="418" ID="st24-146"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1149" VPOS="418" ID="st24-147"/><String HEIGHT="18" CONTENT="law" WIDTH="27" HPOS="1157" VPOS="418" ID="st24-148"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1184" VPOS="418" ID="st24-149"/><String HEIGHT="18" CONTENT="umaryland" WIDTH="79" HPOS="1192" VPOS="418" ID="st24-150"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1271" VPOS="418" ID="st24-151"/><String HEIGHT="18" CONTENT="edu/cgi/viewcontent" WIDTH="167" HPOS="1280" VPOS="418" ID="st24-152"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="418" ID="st24-153"/></TextLine><TextLine HPOS="472" VPOS="441" ID="tl24-8" WIDTH="256" HEIGHT="19"><String HEIGHT="19" CONTENT="cgi" WIDTH="25" HPOS="472" VPOS="441" ID="st24-154"/><String HEIGHT="19" CONTENT="?" WIDTH="9" HPOS="497" VPOS="441" ID="st24-155"/><String HEIGHT="19" CONTENT="article" WIDTH="59" HPOS="506" VPOS="441" ID="st24-156"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="565" VPOS="441" ID="st24-157"/><String HEIGHT="19" CONTENT="1127" WIDTH="34" HPOS="574" VPOS="441" ID="st24-158"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="9" HPOS="608" VPOS="441" ID="st24-159"/><String HEIGHT="19" CONTENT="context" WIDTH="59" HPOS="617" VPOS="441" ID="st24-160"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="676" VPOS="441" ID="st24-161"/><String HEIGHT="19" CONTENT="jbtl" WIDTH="34" HPOS="685" VPOS="441" ID="st24-162"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="719" VPOS="441" ID="st24-163"/></TextLine><TextLine HPOS="472" VPOS="476" ID="tl24-9" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Smith" WIDTH="48" HPOS="472" VPOS="476" ID="st24-164"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="520" VPOS="476" ID="st24-165"/><SP/><String HEIGHT="19" CONTENT="J" WIDTH="6" HPOS="538" VPOS="476" ID="st24-166"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="544" VPOS="476" ID="st24-167"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="560" VPOS="476" ID="st24-168"/><String HEIGHT="19" CONTENT="29" WIDTH="18" HPOS="569" VPOS="476" ID="st24-169"/><SP/><String HEIGHT="19" CONTENT="March" WIDTH="52" HPOS="595" VPOS="476" ID="st24-170"/><SP/><String HEIGHT="19" CONTENT="2017" WIDTH="36" HPOS="655" VPOS="476" ID="st24-171"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="691" VPOS="476" ID="st24-172"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="700" VPOS="476" ID="st24-173"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="718" VPOS="476" ID="st24-174"/><String HEIGHT="19" CONTENT="The" WIDTH="31" HPOS="728" VPOS="476" ID="st24-175"/><SP/><String HEIGHT="19" CONTENT="best" WIDTH="34" HPOS="767" VPOS="476" ID="st24-176"/><SP/><String HEIGHT="19" CONTENT="way" WIDTH="33" HPOS="810" VPOS="476" ID="st24-177"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="18" HPOS="851" VPOS="476" ID="st24-178"/><SP/><String HEIGHT="19" CONTENT="protect" WIDTH="59" HPOS="877" VPOS="476" ID="st24-179"/><SP/><String HEIGHT="19" CONTENT="against" WIDTH="59" HPOS="944" VPOS="476" ID="st24-180"/><SP/><String HEIGHT="19" CONTENT="unscrupulous" WIDTH="111" HPOS="1011" VPOS="476" ID="st24-181"/><SP/><String HEIGHT="19" CONTENT="bank" WIDTH="41" HPOS="1130" VPOS="476" ID="st24-182"/><SP/><String HEIGHT="19" CONTENT="tactics" WIDTH="54" HPOS="1179" VPOS="476" ID="st24-183"/><String HEIGHT="19" CONTENT="?" WIDTH="8" HPOS="1233" VPOS="476" ID="st24-184"/><SP/><String HEIGHT="19" CONTENT="Empower" WIDTH="79" HPOS="1249" VPOS="476" ID="st24-185"/><SP/><String HEIGHT="19" CONTENT="workers" WIDTH="63" HPOS="1336" VPOS="476" ID="st24-186"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="1399" VPOS="476" ID="st24-187"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1408" VPOS="476" ID="st24-188"/><SP/><String HEIGHT="19" CONTENT="The" WIDTH="30" HPOS="1426" VPOS="476" ID="st24-189"/></TextLine><TextLine HPOS="472" VPOS="500" ID="tl24-10" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Canadian" WIDTH="78" HPOS="472" VPOS="500" ID="st24-190"/><SP/><String HEIGHT="18" CONTENT="Broadcasting" WIDTH="106" HPOS="555" VPOS="500" ID="st24-191"/><SP/><String HEIGHT="18" CONTENT="Channel" WIDTH="64" HPOS="665" VPOS="500" ID="st24-192"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="729" VPOS="500" ID="st24-193"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="76" HPOS="743" VPOS="500" ID="st24-194"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="823" VPOS="500" ID="st24-195"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="837" VPOS="500" ID="st24-196"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="45" HPOS="849" VPOS="500" ID="st24-197"/><String HEIGHT="18" CONTENT=":" WIDTH="10" HPOS="894" VPOS="500" ID="st24-198"/><String HEIGHT="18" CONTENT="//www" WIDTH="46" HPOS="904" VPOS="500" ID="st24-199"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="950" VPOS="500" ID="st24-200"/><String HEIGHT="18" CONTENT="cbc" WIDTH="27" HPOS="959" VPOS="500" ID="st24-201"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="986" VPOS="500" ID="st24-202"/><String HEIGHT="18" CONTENT="ca/news/opinion/empowering" WIDTH="239" HPOS="996" VPOS="500" ID="st24-203"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1235" VPOS="500" ID="st24-204"/><String HEIGHT="18" CONTENT="bank" WIDTH="37" HPOS="1244" VPOS="500" ID="st24-205"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1281" VPOS="500" ID="st24-206"/><String HEIGHT="18" CONTENT="workers" WIDTH="64" HPOS="1290" VPOS="500" ID="st24-207"/><String HEIGHT="18" CONTENT="-" WIDTH="10" HPOS="1354" VPOS="500" ID="st24-208"/><String HEIGHT="18" CONTENT="1" WIDTH="9" HPOS="1364" VPOS="500" ID="st24-209"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1373" VPOS="500" ID="st24-210"/><String HEIGHT="18" CONTENT="4044939" WIDTH="64" HPOS="1382" VPOS="500" ID="st24-211"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1446" VPOS="500" ID="st24-212"/></TextLine><TextLine HPOS="472" VPOS="535" ID="tl24-11" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Stiglitz" WIDTH="62" HPOS="472" VPOS="535" ID="st24-213"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="534" VPOS="535" ID="st24-214"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="550" VPOS="535" ID="st24-215"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="556" VPOS="535" ID="st24-216"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="572" VPOS="535" ID="st24-217"/><String HEIGHT="18" CONTENT="2015" WIDTH="34" HPOS="580" VPOS="535" ID="st24-218"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="614" VPOS="535" ID="st24-219"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="623" VPOS="535" ID="st24-220"/><String HEIGHT="18" CONTENT="»" WIDTH="8" HPOS="641" VPOS="535" ID="st24-221"/><String HEIGHT="18" CONTENT="Inequality" WIDTH="83" HPOS="649" VPOS="535" ID="st24-222"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="32" HPOS="741" VPOS="535" ID="st24-223"/><SP/><String HEIGHT="18" CONTENT="Economic" WIDTH="81" HPOS="781" VPOS="535" ID="st24-224"/><SP/><String HEIGHT="18" CONTENT="Growth" WIDTH="60" HPOS="871" VPOS="535" ID="st24-225"/><String HEIGHT="18" CONTENT="«" WIDTH="10" HPOS="931" VPOS="535" ID="st24-226"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="941" VPOS="535" ID="st24-227"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="31" HPOS="959" VPOS="535" ID="st24-228"/><SP/><String HEIGHT="18" CONTENT="Political" WIDTH="63" HPOS="999" VPOS="535" ID="st24-229"/><SP/><String HEIGHT="18" CONTENT="Quarterly" WIDTH="72" HPOS="1070" VPOS="535" ID="st24-230"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="1142" VPOS="535" ID="st24-231"/><SP/><String HEIGHT="18" CONTENT="Vol" WIDTH="24" HPOS="1160" VPOS="535" ID="st24-232"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1184" VPOS="535" ID="st24-233"/><SP/><String HEIGHT="18" CONTENT="86" WIDTH="18" HPOS="1200" VPOS="535" ID="st24-234"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="1218" VPOS="535" ID="st24-235"/><SP/><String HEIGHT="18" CONTENT="Issue" WIDTH="41" HPOS="1236" VPOS="535" ID="st24-236"/><SP/><String HEIGHT="18" CONTENT="Supplement" WIDTH="100" HPOS="1285" VPOS="535" ID="st24-237"/><SP/><String HEIGHT="18" CONTENT="S1" WIDTH="17" HPOS="1394" VPOS="535" ID="st24-238"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="1411" VPOS="535" ID="st24-239"/><SP/><String HEIGHT="18" CONTENT="pp" WIDTH="18" HPOS="1429" VPOS="535" ID="st24-240"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="535" ID="st24-241"/></TextLine><TextLine HPOS="472" VPOS="558" ID="tl24-12" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="134–155" WIDTH="70" HPOS="472" VPOS="558" ID="st24-242"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="542" VPOS="558" ID="st24-243"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="563" VPOS="558" ID="st24-244"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="651" VPOS="558" ID="st24-245"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="665" VPOS="558" ID="st24-246"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="41" HPOS="683" VPOS="558" ID="st24-247"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="724" VPOS="558" ID="st24-248"/><String HEIGHT="19" CONTENT="//www8" WIDTH="50" HPOS="732" VPOS="558" ID="st24-249"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="782" VPOS="558" ID="st24-250"/><String HEIGHT="19" CONTENT="gsb" WIDTH="24" HPOS="791" VPOS="558" ID="st24-251"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="815" VPOS="558" ID="st24-252"/><String HEIGHT="19" CONTENT="columbia" WIDTH="66" HPOS="824" VPOS="558" ID="st24-253"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="890" VPOS="558" ID="st24-254"/><String HEIGHT="19" CONTENT="edu/faculty/jstiglitz/sites/jstiglitz/files/Inequality" WIDTH="448" HPOS="899" VPOS="558" ID="st24-255"/><String HEIGHT="19" CONTENT="%" WIDTH="9" HPOS="1347" VPOS="558" ID="st24-256"/><String HEIGHT="19" CONTENT="20and" WIDTH="41" HPOS="1356" VPOS="558" ID="st24-257"/><String HEIGHT="19" CONTENT="%" WIDTH="9" HPOS="1397" VPOS="558" ID="st24-258"/><String HEIGHT="19" CONTENT="20Eco" WIDTH="42" HPOS="1406" VPOS="558" ID="st24-259" SUBS_TYPE="HypPart1" SUBS_CONTENT="20Economic"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="558" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="582" ID="tl24-13" WIDTH="194" HEIGHT="18"><String HEIGHT="18" CONTENT="nomic" WIDTH="51" HPOS="472" VPOS="582" ID="st24-260" SUBS_TYPE="HypPart2" SUBS_CONTENT="20Economic"/><String HEIGHT="18" CONTENT="%" WIDTH="10" HPOS="523" VPOS="582" ID="st24-261"/><String HEIGHT="18" CONTENT="20Growth" WIDTH="81" HPOS="533" VPOS="582" ID="st24-262"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="614" VPOS="582" ID="st24-263"/><String HEIGHT="18" CONTENT="pdf" WIDTH="30" HPOS="625" VPOS="582" ID="st24-264"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="655" VPOS="582" ID="st24-265"/></TextLine><TextLine HPOS="472" VPOS="617" ID="tl24-14" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Stiglitz" WIDTH="62" HPOS="472" VPOS="617" ID="st24-266"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="534" VPOS="617" ID="st24-267"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="552" VPOS="617" ID="st24-268"/><String HEIGHT="18" CONTENT="." WIDTH="6" HPOS="558" VPOS="617" ID="st24-269"/><String HEIGHT="18" CONTENT="," WIDTH="6" HPOS="564" VPOS="617" ID="st24-270"/><SP/><String HEIGHT="18" CONTENT="Sen" WIDTH="29" HPOS="580" VPOS="617" ID="st24-271"/><String HEIGHT="18" CONTENT="," WIDTH="10" HPOS="609" VPOS="617" ID="st24-272"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="8" HPOS="629" VPOS="617" ID="st24-273"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="637" VPOS="617" ID="st24-274"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="645" VPOS="617" ID="st24-275"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="35" HPOS="664" VPOS="617" ID="st24-276"/><SP/><String HEIGHT="18" CONTENT="Fitoussi" WIDTH="66" HPOS="709" VPOS="617" ID="st24-277"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="775" VPOS="617" ID="st24-278"/><SP/><String HEIGHT="18" CONTENT="J" WIDTH="6" HPOS="794" VPOS="617" ID="st24-279"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="800" VPOS="617" ID="st24-280"/><String HEIGHT="18" CONTENT="P" WIDTH="6" HPOS="807" VPOS="617" ID="st24-281"/><String HEIGHT="18" CONTENT="." WIDTH="7" HPOS="813" VPOS="617" ID="st24-282"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="830" VPOS="617" ID="st24-283"/><String HEIGHT="18" CONTENT="2009" WIDTH="34" HPOS="838" VPOS="617" ID="st24-284"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="872" VPOS="617" ID="st24-285"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="881" VPOS="617" ID="st24-286"/><String HEIGHT="18" CONTENT="»" WIDTH="9" HPOS="900" VPOS="617" ID="st24-287"/><String HEIGHT="18" CONTENT="Report" WIDTH="57" HPOS="909" VPOS="617" ID="st24-288"/><SP/><String HEIGHT="18" CONTENT="by" WIDTH="20" HPOS="976" VPOS="617" ID="st24-289"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1006" VPOS="617" ID="st24-290"/><SP/><String HEIGHT="18" CONTENT="Commission" WIDTH="102" HPOS="1043" VPOS="617" ID="st24-291"/><SP/><String HEIGHT="18" CONTENT="on" WIDTH="22" HPOS="1155" VPOS="617" ID="st24-292"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1187" VPOS="617" ID="st24-293"/><SP/><String HEIGHT="18" CONTENT="Measurement" WIDTH="115" HPOS="1224" VPOS="617" ID="st24-294"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="1349" VPOS="617" ID="st24-295"/><SP/><String HEIGHT="18" CONTENT="Economic" WIDTH="80" HPOS="1376" VPOS="617" ID="st24-296"/></TextLine><TextLine HPOS="472" VPOS="640" ID="tl24-15" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Performance" WIDTH="106" HPOS="472" VPOS="640" ID="st24-297"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="591" VPOS="640" ID="st24-298"/><SP/><String HEIGHT="18" CONTENT="Social" WIDTH="48" HPOS="635" VPOS="640" ID="st24-299"/><SP/><String HEIGHT="18" CONTENT="Progress" WIDTH="68" HPOS="696" VPOS="640" ID="st24-300"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="764" VPOS="640" ID="st24-301"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="772" VPOS="640" ID="st24-302"/><SP/><String HEIGHT="18" CONTENT="Paris" WIDTH="36" HPOS="794" VPOS="640" ID="st24-303"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="830" VPOS="640" ID="st24-304"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="78" HPOS="850" VPOS="640" ID="st24-305"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="941" VPOS="640" ID="st24-306"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="955" VPOS="640" ID="st24-307"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="36" HPOS="975" VPOS="640" ID="st24-308"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1011" VPOS="640" ID="st24-309"/><String HEIGHT="18" CONTENT="//ec" WIDTH="36" HPOS="1020" VPOS="640" ID="st24-310"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1056" VPOS="640" ID="st24-311"/><String HEIGHT="18" CONTENT="europa" WIDTH="55" HPOS="1065" VPOS="640" ID="st24-312"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1120" VPOS="640" ID="st24-313"/><String HEIGHT="18" CONTENT="eu/eurostat/documents/118025/118123" WIDTH="317" HPOS="1129" VPOS="640" ID="st24-314"/><String HEIGHT="18" CONTENT="/" WIDTH="10" HPOS="1446" VPOS="640" ID="st24-315"/></TextLine><TextLine HPOS="472" VPOS="663" ID="tl24-16" WIDTH="241" HEIGHT="19"><String HEIGHT="19" CONTENT="Fitoussi" WIDTH="71" HPOS="472" VPOS="663" ID="st24-316"/><String HEIGHT="19" CONTENT="+" WIDTH="9" HPOS="543" VPOS="663" ID="st24-317"/><String HEIGHT="19" CONTENT="Commission" WIDTH="89" HPOS="552" VPOS="663" ID="st24-318"/><String HEIGHT="19" CONTENT="+" WIDTH="9" HPOS="641" VPOS="663" ID="st24-319"/><String HEIGHT="19" CONTENT="report" WIDTH="54" HPOS="650" VPOS="663" ID="st24-320"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="704" VPOS="663" ID="st24-321"/></TextLine><TextLine HPOS="472" VPOS="698" ID="tl24-17" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Stockhammer" WIDTH="118" HPOS="472" VPOS="698" ID="st24-322"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="590" VPOS="698" ID="st24-323"/><SP/><String HEIGHT="19" CONTENT="E" WIDTH="8" HPOS="607" VPOS="698" ID="st24-324"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="615" VPOS="698" ID="st24-325"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="630" VPOS="698" ID="st24-326"/><String HEIGHT="19" CONTENT="2013" WIDTH="34" HPOS="638" VPOS="698" ID="st24-327"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="672" VPOS="698" ID="st24-328"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="681" VPOS="698" ID="st24-329"/><String HEIGHT="19" CONTENT="»" WIDTH="12" HPOS="696" VPOS="698" ID="st24-330"/><String HEIGHT="19" CONTENT="Why" WIDTH="37" HPOS="708" VPOS="698" ID="st24-331"/><SP/><String HEIGHT="19" CONTENT="have" WIDTH="39" HPOS="751" VPOS="698" ID="st24-332"/><SP/><String HEIGHT="19" CONTENT="wage" WIDTH="45" HPOS="797" VPOS="698" ID="st24-333"/><SP/><String HEIGHT="19" CONTENT="shares" WIDTH="51" HPOS="849" VPOS="698" ID="st24-334"/><SP/><String HEIGHT="19" CONTENT="fallen" WIDTH="47" HPOS="907" VPOS="698" ID="st24-335"/><String HEIGHT="19" CONTENT="?" WIDTH="8" HPOS="954" VPOS="698" ID="st24-336"/><SP/><String HEIGHT="19" CONTENT="A" WIDTH="13" HPOS="968" VPOS="698" ID="st24-337"/><SP/><String HEIGHT="19" CONTENT="panel" WIDTH="45" HPOS="988" VPOS="698" ID="st24-338"/><SP/><String HEIGHT="19" CONTENT="analysis" WIDTH="63" HPOS="1040" VPOS="698" ID="st24-339"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1109" VPOS="698" ID="st24-340"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="1133" VPOS="698" ID="st24-341"/><SP/><String HEIGHT="19" CONTENT="determinants" WIDTH="109" HPOS="1167" VPOS="698" ID="st24-342"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="1282" VPOS="698" ID="st24-343"/><SP/><String HEIGHT="19" CONTENT="functional" WIDTH="83" HPOS="1306" VPOS="698" ID="st24-344"/><SP/><String HEIGHT="19" CONTENT="income" WIDTH="60" HPOS="1396" VPOS="698" ID="st24-345"/></TextLine><TextLine HPOS="472" VPOS="722" ID="tl24-18" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="distribution" WIDTH="94" HPOS="472" VPOS="722" ID="st24-346"/><String HEIGHT="18" CONTENT="«" WIDTH="8" HPOS="566" VPOS="722" ID="st24-347"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="574" VPOS="722" ID="st24-348"/><SP/><String HEIGHT="18" CONTENT="International" WIDTH="105" HPOS="590" VPOS="722" ID="st24-349"/><SP/><String HEIGHT="18" CONTENT="Labor" WIDTH="47" HPOS="703" VPOS="722" ID="st24-350"/><SP/><String HEIGHT="18" CONTENT="Organization" WIDTH="103" HPOS="758" VPOS="722" ID="st24-351"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="861" VPOS="722" ID="st24-352"/><SP/><String HEIGHT="18" CONTENT="Conditions" WIDTH="90" HPOS="878" VPOS="722" ID="st24-353"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="976" VPOS="722" ID="st24-354"/><SP/><String HEIGHT="18" CONTENT="Worker" WIDTH="62" HPOS="1001" VPOS="722" ID="st24-355"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="1071" VPOS="722" ID="st24-356"/><SP/><String HEIGHT="18" CONTENT="Employment" WIDTH="104" HPOS="1110" VPOS="722" ID="st24-357"/><SP/><String HEIGHT="18" CONTENT="Series" WIDTH="47" HPOS="1222" VPOS="722" ID="st24-358"/><SP/><String HEIGHT="18" CONTENT="No" WIDTH="19" HPOS="1278" VPOS="722" ID="st24-359"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1297" VPOS="722" ID="st24-360"/><SP/><String HEIGHT="18" CONTENT="35" WIDTH="18" HPOS="1315" VPOS="722" ID="st24-361"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1333" VPOS="722" ID="st24-362"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1350" VPOS="722" ID="st24-363"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1435" VPOS="722" ID="st24-364"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1449" VPOS="722" ID="st24-365"/></TextLine><TextLine HPOS="472" VPOS="745" ID="tl24-19" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="https" WIDTH="42" HPOS="472" VPOS="745" ID="st24-366"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="514" VPOS="745" ID="st24-367"/><String HEIGHT="19" CONTENT="//www" WIDTH="43" HPOS="523" VPOS="745" ID="st24-368"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="566" VPOS="745" ID="st24-369"/><String HEIGHT="19" CONTENT="ilo" WIDTH="26" HPOS="574" VPOS="745" ID="st24-370"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="600" VPOS="745" ID="st24-371"/><String HEIGHT="19" CONTENT="org/wcmsp5/groups/public/" WIDTH="214" HPOS="608" VPOS="745" ID="st24-372"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="822" VPOS="745" ID="st24-373"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="831" VPOS="745" ID="st24-374"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="839" VPOS="745" ID="st24-375"/><String HEIGHT="19" CONTENT="ed" WIDTH="17" HPOS="848" VPOS="745" ID="st24-376"/><String HEIGHT="19" CONTENT="_" WIDTH="9" HPOS="865" VPOS="745" ID="st24-377"/><String HEIGHT="19" CONTENT="protect/" WIDTH="68" HPOS="874" VPOS="745" ID="st24-378"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="942" VPOS="745" ID="st24-379"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="951" VPOS="745" ID="st24-380"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="959" VPOS="745" ID="st24-381"/><String HEIGHT="19" CONTENT="protrav/" WIDTH="68" HPOS="968" VPOS="745" ID="st24-382"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1036" VPOS="745" ID="st24-383"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1045" VPOS="745" ID="st24-384"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1053" VPOS="745" ID="st24-385"/><String HEIGHT="19" CONTENT="travail/documents/publication/wcms" WIDTH="291" HPOS="1062" VPOS="745" ID="st24-386"/><String HEIGHT="19" CONTENT="_" WIDTH="8" HPOS="1353" VPOS="745" ID="st24-387"/><String HEIGHT="19" CONTENT="202352" WIDTH="52" HPOS="1361" VPOS="745" ID="st24-388"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1413" VPOS="745" ID="st24-389"/><String HEIGHT="19" CONTENT="pdf" WIDTH="26" HPOS="1421" VPOS="745" ID="st24-390"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1447" VPOS="745" ID="st24-391"/></TextLine><TextLine HPOS="472" VPOS="780" ID="tl24-20" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Stout" WIDTH="45" HPOS="472" VPOS="780" ID="st24-392"/><String HEIGHT="19" CONTENT="," WIDTH="10" HPOS="517" VPOS="780" ID="st24-393"/><SP/><String HEIGHT="19" CONTENT="L" WIDTH="7" HPOS="534" VPOS="780" ID="st24-394"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="541" VPOS="780" ID="st24-395"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="556" VPOS="780" ID="st24-396"/><String HEIGHT="19" CONTENT="2011" WIDTH="34" HPOS="564" VPOS="780" ID="st24-397"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="598" VPOS="780" ID="st24-398"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="607" VPOS="780" ID="st24-399"/><String HEIGHT="19" CONTENT="»" WIDTH="8" HPOS="623" VPOS="780" ID="st24-400"/><String HEIGHT="19" CONTENT="Derivatives" WIDTH="91" HPOS="631" VPOS="780" ID="st24-401"/><SP/><String HEIGHT="19" CONTENT="and" WIDTH="32" HPOS="729" VPOS="780" ID="st24-402"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="27" HPOS="768" VPOS="780" ID="st24-403"/><SP/><String HEIGHT="19" CONTENT="Legal" WIDTH="43" HPOS="802" VPOS="780" ID="st24-404"/><SP/><String HEIGHT="19" CONTENT="Origin" WIDTH="51" HPOS="852" VPOS="780" ID="st24-405"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="17" HPOS="910" VPOS="780" ID="st24-406"/><SP/><String HEIGHT="19" CONTENT="the" WIDTH="28" HPOS="934" VPOS="780" ID="st24-407"/><SP/><String HEIGHT="19" CONTENT="2008" WIDTH="43" HPOS="969" VPOS="780" ID="st24-408"/><SP/><String HEIGHT="19" CONTENT="Credit" WIDTH="50" HPOS="1019" VPOS="780" ID="st24-409"/><SP/><String HEIGHT="19" CONTENT="Crisis" WIDTH="45" HPOS="1076" VPOS="780" ID="st24-410"/><String HEIGHT="19" CONTENT="«" WIDTH="7" HPOS="1121" VPOS="780" ID="st24-411"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1128" VPOS="780" ID="st24-412"/><SP/><String HEIGHT="19" CONTENT="Harvard" WIDTH="65" HPOS="1143" VPOS="780" ID="st24-413"/><SP/><String HEIGHT="19" CONTENT="Business" WIDTH="69" HPOS="1215" VPOS="780" ID="st24-414"/><SP/><String HEIGHT="19" CONTENT="Law" WIDTH="33" HPOS="1292" VPOS="780" ID="st24-415"/><SP/><String HEIGHT="19" CONTENT="Review" WIDTH="53" HPOS="1332" VPOS="780" ID="st24-416"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1385" VPOS="780" ID="st24-417"/><SP/><String HEIGHT="19" CONTENT="Vol" WIDTH="23" HPOS="1402" VPOS="780" ID="st24-418"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1425" VPOS="780" ID="st24-419"/><SP/><String HEIGHT="19" CONTENT="1" WIDTH="8" HPOS="1440" VPOS="780" ID="st24-420"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1448" VPOS="780" ID="st24-421"/></TextLine><TextLine HPOS="472" VPOS="804" ID="tl24-21" WIDTH="819" HEIGHT="18"><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="472" VPOS="804" ID="st24-422"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="554" VPOS="804" ID="st24-423"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="568" VPOS="804" ID="st24-424"/><SP/><String HEIGHT="18" CONTENT="https" WIDTH="42" HPOS="581" VPOS="804" ID="st24-425"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="623" VPOS="804" ID="st24-426"/><String HEIGHT="18" CONTENT="//scholarship" WIDTH="110" HPOS="631" VPOS="804" ID="st24-427"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="741" VPOS="804" ID="st24-428"/><String HEIGHT="18" CONTENT="law" WIDTH="25" HPOS="750" VPOS="804" ID="st24-429"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="775" VPOS="804" ID="st24-430"/><String HEIGHT="18" CONTENT="cornell" WIDTH="60" HPOS="783" VPOS="804" ID="st24-431"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="843" VPOS="804" ID="st24-432"/><String HEIGHT="18" CONTENT="edu/cgi/viewcontent" WIDTH="161" HPOS="851" VPOS="804" ID="st24-433"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="1012" VPOS="804" ID="st24-434"/><String HEIGHT="18" CONTENT="cgi" WIDTH="25" HPOS="1020" VPOS="804" ID="st24-435"/><String HEIGHT="18" CONTENT="?" WIDTH="9" HPOS="1045" VPOS="804" ID="st24-436"/><String HEIGHT="18" CONTENT="article" WIDTH="59" HPOS="1054" VPOS="804" ID="st24-437"/><String HEIGHT="18" CONTENT="=" WIDTH="8" HPOS="1113" VPOS="804" ID="st24-438"/><String HEIGHT="18" CONTENT="1822" WIDTH="34" HPOS="1121" VPOS="804" ID="st24-439"/><String HEIGHT="18" CONTENT="&amp;" WIDTH="9" HPOS="1155" VPOS="804" ID="st24-440"/><String HEIGHT="18" CONTENT="context" WIDTH="59" HPOS="1164" VPOS="804" ID="st24-441"/><String HEIGHT="18" CONTENT="=" WIDTH="8" HPOS="1223" VPOS="804" ID="st24-442"/><String HEIGHT="18" CONTENT="facpub" WIDTH="51" HPOS="1231" VPOS="804" ID="st24-443"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1282" VPOS="804" ID="st24-444"/></TextLine><TextLine HPOS="472" VPOS="839" ID="tl24-22" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Tracy" WIDTH="41" HPOS="472" VPOS="839" ID="st24-445"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="513" VPOS="839" ID="st24-446"/><SP/><String HEIGHT="18" CONTENT="R" WIDTH="7" HPOS="529" VPOS="839" ID="st24-447"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="536" VPOS="839" ID="st24-448"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="544" VPOS="839" ID="st24-449"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="34" HPOS="559" VPOS="839" ID="st24-450"/><SP/><String HEIGHT="18" CONTENT="Ackerman" WIDTH="86" HPOS="600" VPOS="839" ID="st24-451"/><String HEIGHT="18" CONTENT="," WIDTH="11" HPOS="686" VPOS="839" ID="st24-452"/><SP/><String HEIGHT="18" CONTENT="A" WIDTH="9" HPOS="704" VPOS="839" ID="st24-453"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="713" VPOS="839" ID="st24-454"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="730" VPOS="839" ID="st24-455"/><String HEIGHT="18" CONTENT="23" WIDTH="18" HPOS="739" VPOS="839" ID="st24-456"/><SP/><String HEIGHT="18" CONTENT="May" WIDTH="36" HPOS="764" VPOS="839" ID="st24-457"/><SP/><String HEIGHT="18" CONTENT="2018" WIDTH="36" HPOS="806" VPOS="839" ID="st24-458"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="842" VPOS="839" ID="st24-459"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="851" VPOS="839" ID="st24-460"/><String HEIGHT="18" CONTENT="»" WIDTH="12" HPOS="867" VPOS="839" ID="st24-461"/><String HEIGHT="18" CONTENT="How" WIDTH="38" HPOS="879" VPOS="839" ID="st24-462"/><SP/><String HEIGHT="18" CONTENT="Congress" WIDTH="76" HPOS="924" VPOS="839" ID="st24-463"/><SP/><String HEIGHT="18" CONTENT="Rolled" WIDTH="51" HPOS="1007" VPOS="839" ID="st24-464"/><SP/><String HEIGHT="18" CONTENT="Back" WIDTH="39" HPOS="1064" VPOS="839" ID="st24-465"/><SP/><String HEIGHT="18" CONTENT="Banking" WIDTH="67" HPOS="1110" VPOS="839" ID="st24-466"/><SP/><String HEIGHT="18" CONTENT="Rules" WIDTH="43" HPOS="1184" VPOS="839" ID="st24-467"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="1234" VPOS="839" ID="st24-468"/><SP/><String HEIGHT="18" CONTENT="a" WIDTH="9" HPOS="1256" VPOS="839" ID="st24-469"/><SP/><String HEIGHT="18" CONTENT="Rare" WIDTH="37" HPOS="1272" VPOS="839" ID="st24-470"/><SP/><String HEIGHT="18" CONTENT="Bipartisan" WIDTH="81" HPOS="1315" VPOS="839" ID="st24-471"/><SP/><String HEIGHT="18" CONTENT="Deal" WIDTH="35" HPOS="1403" VPOS="839" ID="st24-472"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1438" VPOS="839" ID="st24-473"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="839" ID="st24-474"/></TextLine><TextLine HPOS="472" VPOS="862" ID="tl24-23" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="The" WIDTH="30" HPOS="472" VPOS="862" ID="st24-475"/><SP/><String HEIGHT="19" CONTENT="Wall" WIDTH="36" HPOS="510" VPOS="862" ID="st24-476"/><SP/><String HEIGHT="19" CONTENT="Street" WIDTH="49" HPOS="554" VPOS="862" ID="st24-477"/><SP/><String HEIGHT="19" CONTENT="Journal" WIDTH="56" HPOS="611" VPOS="862" ID="st24-478"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="667" VPOS="862" ID="st24-479"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="683" VPOS="862" ID="st24-480"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="768" VPOS="862" ID="st24-481"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="782" VPOS="862" ID="st24-482"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="42" HPOS="797" VPOS="862" ID="st24-483"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="839" VPOS="862" ID="st24-484"/><String HEIGHT="19" CONTENT="//www" WIDTH="42" HPOS="847" VPOS="862" ID="st24-485"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="889" VPOS="862" ID="st24-486"/><String HEIGHT="19" CONTENT="wsj" WIDTH="25" HPOS="898" VPOS="862" ID="st24-487"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="923" VPOS="862" ID="st24-488"/><String HEIGHT="19" CONTENT="com/articles/how" WIDTH="135" HPOS="932" VPOS="862" ID="st24-489"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1067" VPOS="862" ID="st24-490"/><String HEIGHT="19" CONTENT="congress" WIDTH="68" HPOS="1075" VPOS="862" ID="st24-491"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1143" VPOS="862" ID="st24-492"/><String HEIGHT="19" CONTENT="rolled" WIDTH="51" HPOS="1151" VPOS="862" ID="st24-493"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1202" VPOS="862" ID="st24-494"/><String HEIGHT="19" CONTENT="back" WIDTH="34" HPOS="1210" VPOS="862" ID="st24-495"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1244" VPOS="862" ID="st24-496"/><String HEIGHT="19" CONTENT="banking" WIDTH="59" HPOS="1253" VPOS="862" ID="st24-497"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1312" VPOS="862" ID="st24-498"/><String HEIGHT="19" CONTENT="rules" WIDTH="43" HPOS="1320" VPOS="862" ID="st24-499"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1363" VPOS="862" ID="st24-500"/><String HEIGHT="19" CONTENT="in" WIDTH="17" HPOS="1371" VPOS="862" ID="st24-501"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1388" VPOS="862" ID="st24-502"/><String HEIGHT="19" CONTENT="a" WIDTH="9" HPOS="1396" VPOS="862" ID="st24-503"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1405" VPOS="862" ID="st24-504"/><String HEIGHT="19" CONTENT="rare" WIDTH="35" HPOS="1413" VPOS="862" ID="st24-505" SUBS_TYPE="HypPart1" SUBS_CONTENT="rarebipartisan"/><HYP CONTENT="-" WIDTH="8" HPOS="1448" VPOS="862" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="885" ID="tl24-24" WIDTH="242" HEIGHT="19"><String HEIGHT="19" CONTENT="bipartisan" WIDTH="89" HPOS="472" VPOS="885" ID="st24-506" SUBS_TYPE="HypPart2" SUBS_CONTENT="rarebipartisan"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="561" VPOS="885" ID="st24-507"/><String HEIGHT="19" CONTENT="deal" WIDTH="36" HPOS="570" VPOS="885" ID="st24-508"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="606" VPOS="885" ID="st24-509"/><String HEIGHT="19" CONTENT="1527030512" WIDTH="90" HPOS="615" VPOS="885" ID="st24-510"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="705" VPOS="885" ID="st24-511"/></TextLine><TextLine HPOS="472" VPOS="921" ID="tl24-25" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="United" WIDTH="62" HPOS="472" VPOS="921" ID="st24-512"/><SP/><String HEIGHT="18" CONTENT="Nations" WIDTH="70" HPOS="540" VPOS="921" ID="st24-513"/><SP/><String HEIGHT="18" CONTENT="General" WIDTH="71" HPOS="616" VPOS="921" ID="st24-514"/><SP/><String HEIGHT="18" CONTENT="Assembly" WIDTH="80" HPOS="693" VPOS="921" ID="st24-515"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="773" VPOS="921" ID="st24-516"/><String HEIGHT="18" CONTENT="(" WIDTH="9" HPOS="790" VPOS="921" ID="st24-517"/><String HEIGHT="18" CONTENT="11" WIDTH="18" HPOS="799" VPOS="921" ID="st24-518"/><SP/><String HEIGHT="18" CONTENT="September" WIDTH="90" HPOS="823" VPOS="921" ID="st24-519"/><SP/><String HEIGHT="18" CONTENT="2012" WIDTH="36" HPOS="919" VPOS="921" ID="st24-520"/><String HEIGHT="18" CONTENT=")" WIDTH="9" HPOS="955" VPOS="921" ID="st24-521"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="964" VPOS="921" ID="st24-522"/><String HEIGHT="18" CONTENT="»" WIDTH="8" HPOS="979" VPOS="921" ID="st24-523"/><String HEIGHT="18" CONTENT="Resolution" WIDTH="89" HPOS="987" VPOS="921" ID="st24-524"/><SP/><String HEIGHT="18" CONTENT="adopted" WIDTH="70" HPOS="1082" VPOS="921" ID="st24-525"/><SP/><String HEIGHT="18" CONTENT="by" WIDTH="19" HPOS="1158" VPOS="921" ID="st24-526"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="1183" VPOS="921" ID="st24-527"/><SP/><String HEIGHT="18" CONTENT="General" WIDTH="65" HPOS="1216" VPOS="921" ID="st24-528"/><SP/><String HEIGHT="18" CONTENT="Assembly" WIDTH="78" HPOS="1287" VPOS="921" ID="st24-529"/><SP/><String HEIGHT="18" CONTENT="on" WIDTH="21" HPOS="1371" VPOS="921" ID="st24-530"/><SP/><String HEIGHT="18" CONTENT="27" WIDTH="22" HPOS="1398" VPOS="921" ID="st24-531"/><SP/><String HEIGHT="18" CONTENT="July" WIDTH="30" HPOS="1426" VPOS="921" ID="st24-532"/></TextLine><TextLine HPOS="472" VPOS="944" ID="tl24-26" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="2012" WIDTH="39" HPOS="472" VPOS="944" ID="st24-533"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="511" VPOS="944" ID="st24-534"/><SP/><String HEIGHT="18" CONTENT="66/288" WIDTH="55" HPOS="527" VPOS="944" ID="st24-535"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="582" VPOS="944" ID="st24-536"/><SP/><String HEIGHT="18" CONTENT="The" WIDTH="30" HPOS="599" VPOS="944" ID="st24-537"/><SP/><String HEIGHT="18" CONTENT="future" WIDTH="51" HPOS="636" VPOS="944" ID="st24-538"/><SP/><String HEIGHT="18" CONTENT="we" WIDTH="24" HPOS="694" VPOS="944" ID="st24-539"/><SP/><String HEIGHT="18" CONTENT="want" WIDTH="39" HPOS="725" VPOS="944" ID="st24-540"/><String HEIGHT="18" CONTENT="«" WIDTH="10" HPOS="764" VPOS="944" ID="st24-541"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="774" VPOS="944" ID="st24-542"/><SP/><String HEIGHT="18" CONTENT="Sixty" WIDTH="37" HPOS="791" VPOS="944" ID="st24-543"/><String HEIGHT="18" CONTENT="-" WIDTH="7" HPOS="828" VPOS="944" ID="st24-544"/><String HEIGHT="18" CONTENT="sixth" WIDTH="38" HPOS="835" VPOS="944" ID="st24-545"/><SP/><String HEIGHT="18" CONTENT="session" WIDTH="56" HPOS="879" VPOS="944" ID="st24-546"/><String HEIGHT="18" CONTENT="," WIDTH="8" HPOS="935" VPOS="944" ID="st24-547"/><SP/><String HEIGHT="18" CONTENT="Agenda" WIDTH="65" HPOS="950" VPOS="944" ID="st24-548"/><SP/><String HEIGHT="18" CONTENT="item" WIDTH="36" HPOS="1022" VPOS="944" ID="st24-549"/><SP/><String HEIGHT="18" CONTENT="19" WIDTH="18" HPOS="1065" VPOS="944" ID="st24-550"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1083" VPOS="944" ID="st24-551"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1099" VPOS="944" ID="st24-552"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1183" VPOS="944" ID="st24-553"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1197" VPOS="944" ID="st24-554"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="35" HPOS="1211" VPOS="944" ID="st24-555"/><String HEIGHT="18" CONTENT=":" WIDTH="8" HPOS="1246" VPOS="944" ID="st24-556"/><String HEIGHT="18" CONTENT="//www" WIDTH="44" HPOS="1254" VPOS="944" ID="st24-557"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1298" VPOS="944" ID="st24-558"/><String HEIGHT="18" CONTENT="un" WIDTH="17" HPOS="1307" VPOS="944" ID="st24-559"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1324" VPOS="944" ID="st24-560"/><String HEIGHT="18" CONTENT="org/ga/search" WIDTH="114" HPOS="1333" VPOS="944" ID="st24-561"/><String HEIGHT="18" CONTENT="/" WIDTH="9" HPOS="1447" VPOS="944" ID="st24-562"/></TextLine><TextLine HPOS="472" VPOS="967" ID="tl24-27" WIDTH="384" HEIGHT="19"><String HEIGHT="19" CONTENT="view" WIDTH="38" HPOS="472" VPOS="967" ID="st24-563"/><String HEIGHT="19" CONTENT="_" WIDTH="10" HPOS="510" VPOS="967" ID="st24-564"/><String HEIGHT="19" CONTENT="doc" WIDTH="28" HPOS="520" VPOS="967" ID="st24-565"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="548" VPOS="967" ID="st24-566"/><String HEIGHT="19" CONTENT="asp" WIDTH="29" HPOS="558" VPOS="967" ID="st24-567"/><String HEIGHT="19" CONTENT="?" WIDTH="9" HPOS="587" VPOS="967" ID="st24-568"/><String HEIGHT="19" CONTENT="symbol" WIDTH="58" HPOS="596" VPOS="967" ID="st24-569"/><String HEIGHT="19" CONTENT="=" WIDTH="10" HPOS="654" VPOS="967" ID="st24-570"/><String HEIGHT="19" CONTENT="A/RES/66/288" WIDTH="115" HPOS="664" VPOS="967" ID="st24-571"/><String HEIGHT="19" CONTENT="&amp;" WIDTH="9" HPOS="779" VPOS="967" ID="st24-572"/><String HEIGHT="19" CONTENT="Lang" WIDTH="39" HPOS="788" VPOS="967" ID="st24-573"/><String HEIGHT="19" CONTENT="=" WIDTH="9" HPOS="827" VPOS="967" ID="st24-574"/><String HEIGHT="19" CONTENT="E" WIDTH="10" HPOS="836" VPOS="967" ID="st24-575"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="846" VPOS="967" ID="st24-576"/></TextLine><TextLine HPOS="472" VPOS="1002" ID="tl24-28" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="USBankLocations" WIDTH="153" HPOS="472" VPOS="1002" ID="st24-577"/><String HEIGHT="19" CONTENT="." WIDTH="11" HPOS="625" VPOS="1002" ID="st24-578"/><String HEIGHT="19" CONTENT="com" WIDTH="30" HPOS="636" VPOS="1002" ID="st24-579"/><String HEIGHT="19" CONTENT="." WIDTH="11" HPOS="666" VPOS="1002" ID="st24-580"/><String HEIGHT="19" CONTENT="(" WIDTH="9" HPOS="684" VPOS="1002" ID="st24-581"/><String HEIGHT="19" CONTENT="30" WIDTH="18" HPOS="693" VPOS="1002" ID="st24-582"/><SP/><String HEIGHT="19" CONTENT="September" WIDTH="89" HPOS="718" VPOS="1002" ID="st24-583"/><SP/><String HEIGHT="19" CONTENT="2017" WIDTH="36" HPOS="814" VPOS="1002" ID="st24-584"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="850" VPOS="1002" ID="st24-585"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="859" VPOS="1002" ID="st24-586"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="875" VPOS="1002" ID="st24-587"/><String HEIGHT="19" CONTENT="Banks" WIDTH="50" HPOS="884" VPOS="1002" ID="st24-588"/><SP/><String HEIGHT="19" CONTENT="Ranked" WIDTH="62" HPOS="941" VPOS="1002" ID="st24-589"/><SP/><String HEIGHT="19" CONTENT="by" WIDTH="20" HPOS="1009" VPOS="1002" ID="st24-590"/><SP/><String HEIGHT="19" CONTENT="Number" WIDTH="67" HPOS="1036" VPOS="1002" ID="st24-591"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="1109" VPOS="1002" ID="st24-592"/><SP/><String HEIGHT="19" CONTENT="Employees" WIDTH="85" HPOS="1133" VPOS="1002" ID="st24-593"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="1218" VPOS="1002" ID="st24-594"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1227" VPOS="1002" ID="st24-595"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="1244" VPOS="1002" ID="st24-596"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="1327" VPOS="1002" ID="st24-597"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="1341" VPOS="1002" ID="st24-598"/><SP/><String HEIGHT="19" CONTENT="http" WIDTH="36" HPOS="1356" VPOS="1002" ID="st24-599"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="1392" VPOS="1002" ID="st24-600"/><String HEIGHT="19" CONTENT="//www" WIDTH="45" HPOS="1401" VPOS="1002" ID="st24-601"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="1446" VPOS="1002" ID="st24-602"/></TextLine><TextLine HPOS="472" VPOS="1026" ID="tl24-29" WIDTH="631" HEIGHT="18"><String HEIGHT="18" CONTENT="usbanklocations" WIDTH="139" HPOS="472" VPOS="1026" ID="st24-603"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="611" VPOS="1026" ID="st24-604"/><String HEIGHT="18" CONTENT="com/bank" WIDTH="74" HPOS="620" VPOS="1026" ID="st24-605"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="694" VPOS="1026" ID="st24-606"/><String HEIGHT="18" CONTENT="rank/number" WIDTH="103" HPOS="703" VPOS="1026" ID="st24-607"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="806" VPOS="1026" ID="st24-608"/><String HEIGHT="18" CONTENT="of" WIDTH="18" HPOS="815" VPOS="1026" ID="st24-609"/><String HEIGHT="18" CONTENT="-" WIDTH="10" HPOS="833" VPOS="1026" ID="st24-610"/><String HEIGHT="18" CONTENT="employees" WIDTH="83" HPOS="843" VPOS="1026" ID="st24-611"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="926" VPOS="1026" ID="st24-612"/><String HEIGHT="18" CONTENT="html" WIDTH="38" HPOS="935" VPOS="1026" ID="st24-613"/><String HEIGHT="18" CONTENT="?" WIDTH="9" HPOS="973" VPOS="1026" ID="st24-614"/><String HEIGHT="18" CONTENT="d" WIDTH="9" HPOS="982" VPOS="1026" ID="st24-615"/><String HEIGHT="18" CONTENT="=" WIDTH="9" HPOS="991" VPOS="1026" ID="st24-616"/><String HEIGHT="18" CONTENT="2017" WIDTH="38" HPOS="1000" VPOS="1026" ID="st24-617"/><String HEIGHT="18" CONTENT="-" WIDTH="9" HPOS="1038" VPOS="1026" ID="st24-618"/><String HEIGHT="18" CONTENT="09" WIDTH="18" HPOS="1047" VPOS="1026" ID="st24-619"/><String HEIGHT="18" CONTENT="-" WIDTH="10" HPOS="1065" VPOS="1026" ID="st24-620"/><String HEIGHT="18" CONTENT="30" WIDTH="18" HPOS="1075" VPOS="1026" ID="st24-621"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="1093" VPOS="1026" ID="st24-622"/></TextLine><TextLine HPOS="472" VPOS="1061" ID="tl24-30" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="Van" WIDTH="35" HPOS="472" VPOS="1061" ID="st24-623"/><SP/><String HEIGHT="18" CONTENT="Hal" WIDTH="27" HPOS="512" VPOS="1061" ID="st24-624"/><String HEIGHT="18" CONTENT="," WIDTH="9" HPOS="539" VPOS="1061" ID="st24-625"/><SP/><String HEIGHT="18" CONTENT="G" WIDTH="9" HPOS="554" VPOS="1061" ID="st24-626"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="563" VPOS="1061" ID="st24-627"/><String HEIGHT="18" CONTENT="(" WIDTH="8" HPOS="579" VPOS="1061" ID="st24-628"/><String HEIGHT="18" CONTENT="2015" WIDTH="34" HPOS="587" VPOS="1061" ID="st24-629"/><String HEIGHT="18" CONTENT=")" WIDTH="8" HPOS="621" VPOS="1061" ID="st24-630"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="629" VPOS="1061" ID="st24-631"/><String HEIGHT="18" CONTENT="»" WIDTH="10" HPOS="644" VPOS="1061" ID="st24-632"/><String HEIGHT="18" CONTENT="The" WIDTH="31" HPOS="654" VPOS="1061" ID="st24-633"/><SP/><String HEIGHT="18" CONTENT="true" WIDTH="33" HPOS="691" VPOS="1061" ID="st24-634"/><SP/><String HEIGHT="18" CONTENT="cost" WIDTH="33" HPOS="730" VPOS="1061" ID="st24-635"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="769" VPOS="1061" ID="st24-636"/><SP/><String HEIGHT="18" CONTENT="the" WIDTH="27" HPOS="792" VPOS="1061" ID="st24-637"/><SP/><String HEIGHT="18" CONTENT="economic" WIDTH="79" HPOS="825" VPOS="1061" ID="st24-638"/><SP/><String HEIGHT="18" CONTENT="crisis" WIDTH="39" HPOS="910" VPOS="1061" ID="st24-639"/><SP/><String HEIGHT="18" CONTENT="on" WIDTH="21" HPOS="955" VPOS="1061" ID="st24-640"/><SP/><String HEIGHT="18" CONTENT="psychological" WIDTH="110" HPOS="982" VPOS="1061" ID="st24-641"/><SP/><String HEIGHT="18" CONTENT="well" WIDTH="33" HPOS="1098" VPOS="1061" ID="st24-642"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1131" VPOS="1061" ID="st24-643"/><String HEIGHT="18" CONTENT="being" WIDTH="42" HPOS="1139" VPOS="1061" ID="st24-644"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1181" VPOS="1061" ID="st24-645"/><SP/><String HEIGHT="18" CONTENT="a" WIDTH="10" HPOS="1195" VPOS="1061" ID="st24-646"/><SP/><String HEIGHT="18" CONTENT="review" WIDTH="52" HPOS="1211" VPOS="1061" ID="st24-647"/><String HEIGHT="18" CONTENT="«" WIDTH="9" HPOS="1263" VPOS="1061" ID="st24-648"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1272" VPOS="1061" ID="st24-649"/><SP/><String HEIGHT="18" CONTENT="Psychology" WIDTH="91" HPOS="1286" VPOS="1061" ID="st24-650"/><SP/><String HEIGHT="18" CONTENT="Research" WIDTH="73" HPOS="1383" VPOS="1061" ID="st24-651"/></TextLine><TextLine HPOS="472" VPOS="1084" ID="tl24-31" WIDTH="912" HEIGHT="19"><String HEIGHT="19" CONTENT="and" WIDTH="31" HPOS="472" VPOS="1084" ID="st24-652"/><SP/><String HEIGHT="19" CONTENT="Behavior" WIDTH="71" HPOS="509" VPOS="1084" ID="st24-653"/><SP/><String HEIGHT="19" CONTENT="Management" WIDTH="106" HPOS="585" VPOS="1084" ID="st24-654"/><String HEIGHT="19" CONTENT="." WIDTH="11" HPOS="691" VPOS="1084" ID="st24-655"/><SP/><String HEIGHT="19" CONTENT="8" WIDTH="8" HPOS="707" VPOS="1084" ID="st24-656"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="715" VPOS="1084" ID="st24-657"/><SP/><String HEIGHT="19" CONTENT="17–25" WIDTH="48" HPOS="729" VPOS="1084" ID="st24-658"/><String HEIGHT="19" CONTENT="." WIDTH="10" HPOS="777" VPOS="1084" ID="st24-659"/><SP/><String HEIGHT="19" CONTENT="Retrieved" WIDTH="77" HPOS="793" VPOS="1084" ID="st24-660"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="875" VPOS="1084" ID="st24-661"/><String HEIGHT="19" CONTENT=":" WIDTH="8" HPOS="889" VPOS="1084" ID="st24-662"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="44" HPOS="902" VPOS="1084" ID="st24-663"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="946" VPOS="1084" ID="st24-664"/><String HEIGHT="19" CONTENT="//www" WIDTH="45" HPOS="955" VPOS="1084" ID="st24-665"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1000" VPOS="1084" ID="st24-666"/><String HEIGHT="19" CONTENT="ncbi" WIDTH="35" HPOS="1009" VPOS="1084" ID="st24-667"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1044" VPOS="1084" ID="st24-668"/><String HEIGHT="19" CONTENT="nlm" WIDTH="27" HPOS="1053" VPOS="1084" ID="st24-669"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1080" VPOS="1084" ID="st24-670"/><String HEIGHT="19" CONTENT="nih" WIDTH="27" HPOS="1089" VPOS="1084" ID="st24-671"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1116" VPOS="1084" ID="st24-672"/><String HEIGHT="19" CONTENT="gov/pmc/articles/PMC4295900/" WIDTH="250" HPOS="1125" VPOS="1084" ID="st24-673"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1375" VPOS="1084" ID="st24-674"/></TextLine><TextLine HPOS="472" VPOS="1119" ID="tl24-32" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Visser" WIDTH="49" HPOS="472" VPOS="1119" ID="st24-675"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="521" VPOS="1119" ID="st24-676"/><SP/><String HEIGHT="19" CONTENT="J" WIDTH="6" HPOS="535" VPOS="1119" ID="st24-677"/><String HEIGHT="19" CONTENT="." WIDTH="7" HPOS="541" VPOS="1119" ID="st24-678"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="554" VPOS="1119" ID="st24-679"/><String HEIGHT="19" CONTENT="2016" WIDTH="34" HPOS="562" VPOS="1119" ID="st24-680"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="596" VPOS="1119" ID="st24-681"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="605" VPOS="1119" ID="st24-682"/><String HEIGHT="19" CONTENT="»" WIDTH="10" HPOS="619" VPOS="1119" ID="st24-683"/><String HEIGHT="19" CONTENT="ICTWSS" WIDTH="60" HPOS="629" VPOS="1119" ID="st24-684"/><String HEIGHT="19" CONTENT=":" WIDTH="11" HPOS="689" VPOS="1119" ID="st24-685"/><SP/><String HEIGHT="19" CONTENT="Database" WIDTH="77" HPOS="706" VPOS="1119" ID="st24-686"/><SP/><String HEIGHT="19" CONTENT="on" WIDTH="22" HPOS="788" VPOS="1119" ID="st24-687"/><SP/><String HEIGHT="19" CONTENT="Institutional" WIDTH="97" HPOS="816" VPOS="1119" ID="st24-688"/><SP/><String HEIGHT="19" CONTENT="Characteristics" WIDTH="120" HPOS="919" VPOS="1119" ID="st24-689"/><SP/><String HEIGHT="19" CONTENT="of" WIDTH="18" HPOS="1044" VPOS="1119" ID="st24-690"/><SP/><String HEIGHT="19" CONTENT="Trade" WIDTH="45" HPOS="1067" VPOS="1119" ID="st24-691"/><SP/><String HEIGHT="19" CONTENT="Unions" WIDTH="53" HPOS="1118" VPOS="1119" ID="st24-692"/><String HEIGHT="19" CONTENT="," WIDTH="9" HPOS="1171" VPOS="1119" ID="st24-693"/><SP/><String HEIGHT="19" CONTENT="Wage" WIDTH="48" HPOS="1186" VPOS="1119" ID="st24-694"/><SP/><String HEIGHT="19" CONTENT="Setting" WIDTH="55" HPOS="1240" VPOS="1119" ID="st24-695"/><String HEIGHT="19" CONTENT="," WIDTH="8" HPOS="1295" VPOS="1119" ID="st24-696"/><SP/><String HEIGHT="19" CONTENT="State" WIDTH="42" HPOS="1309" VPOS="1119" ID="st24-697"/><SP/><String HEIGHT="19" CONTENT="Intervention" WIDTH="99" HPOS="1357" VPOS="1119" ID="st24-698"/></TextLine><TextLine HPOS="472" VPOS="1143" ID="tl24-33" WIDTH="984" HEIGHT="18"><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="472" VPOS="1143" ID="st24-699"/><SP/><String HEIGHT="18" CONTENT="Social" WIDTH="48" HPOS="508" VPOS="1143" ID="st24-700"/><SP/><String HEIGHT="18" CONTENT="Pacts" WIDTH="42" HPOS="561" VPOS="1143" ID="st24-701"/><SP/><String HEIGHT="18" CONTENT="in" WIDTH="15" HPOS="608" VPOS="1143" ID="st24-702"/><SP/><String HEIGHT="18" CONTENT="51" WIDTH="22" HPOS="628" VPOS="1143" ID="st24-703"/><SP/><String HEIGHT="18" CONTENT="countries" WIDTH="75" HPOS="655" VPOS="1143" ID="st24-704"/><SP/><String HEIGHT="18" CONTENT="between" WIDTH="73" HPOS="735" VPOS="1143" ID="st24-705"/><SP/><String HEIGHT="18" CONTENT="1964" WIDTH="43" HPOS="813" VPOS="1143" ID="st24-706"/><SP/><String HEIGHT="18" CONTENT="and" WIDTH="31" HPOS="861" VPOS="1143" ID="st24-707"/><SP/><String HEIGHT="18" CONTENT="2014" WIDTH="40" HPOS="897" VPOS="1143" ID="st24-708"/><String HEIGHT="18" CONTENT="«" WIDTH="10" HPOS="937" VPOS="1143" ID="st24-709"/><String HEIGHT="18" CONTENT="." WIDTH="10" HPOS="947" VPOS="1143" ID="st24-710"/><SP/><String HEIGHT="18" CONTENT="University" WIDTH="80" HPOS="962" VPOS="1143" ID="st24-711"/><SP/><String HEIGHT="18" CONTENT="of" WIDTH="17" HPOS="1047" VPOS="1143" ID="st24-712"/><SP/><String HEIGHT="18" CONTENT="Amsterdam" WIDTH="90" HPOS="1069" VPOS="1143" ID="st24-713"/><String HEIGHT="18" CONTENT="." WIDTH="11" HPOS="1159" VPOS="1143" ID="st24-714"/><SP/><String HEIGHT="18" CONTENT="Retrieved" WIDTH="77" HPOS="1175" VPOS="1143" ID="st24-715"/><SP/><String HEIGHT="18" CONTENT="at" WIDTH="14" HPOS="1257" VPOS="1143" ID="st24-716"/><String HEIGHT="18" CONTENT=":" WIDTH="7" HPOS="1271" VPOS="1143" ID="st24-717"/><SP/><String HEIGHT="18" CONTENT="http" WIDTH="34" HPOS="1283" VPOS="1143" ID="st24-718"/><String HEIGHT="18" CONTENT=":" WIDTH="9" HPOS="1317" VPOS="1143" ID="st24-719"/><String HEIGHT="18" CONTENT="//www" WIDTH="43" HPOS="1326" VPOS="1143" ID="st24-720"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1369" VPOS="1143" ID="st24-721"/><String HEIGHT="18" CONTENT="uva" WIDTH="26" HPOS="1378" VPOS="1143" ID="st24-722"/><String HEIGHT="18" CONTENT="-" WIDTH="8" HPOS="1404" VPOS="1143" ID="st24-723"/><String HEIGHT="18" CONTENT="aias" WIDTH="35" HPOS="1412" VPOS="1143" ID="st24-724"/><String HEIGHT="18" CONTENT="." WIDTH="9" HPOS="1447" VPOS="1143" ID="st24-725"/></TextLine><TextLine HPOS="472" VPOS="1166" ID="tl24-34" WIDTH="119" HEIGHT="18"><String HEIGHT="18" CONTENT="net/en/ictwss/" WIDTH="111" HPOS="472" VPOS="1166" ID="st24-726"/><String HEIGHT="18" CONTENT="." WIDTH="8" HPOS="583" VPOS="1166" ID="st24-727"/></TextLine><TextLine HPOS="472" VPOS="1201" ID="tl24-35" WIDTH="984" HEIGHT="19"><String HEIGHT="19" CONTENT="Wack" WIDTH="43" HPOS="472" VPOS="1201" ID="st24-728"/><String HEIGHT="19" CONTENT="," WIDTH="11" HPOS="515" VPOS="1201" ID="st24-729"/><SP/><String HEIGHT="19" CONTENT="K" WIDTH="9" HPOS="531" VPOS="1201" ID="st24-730"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="540" VPOS="1201" ID="st24-731"/><String HEIGHT="19" CONTENT="(" WIDTH="8" HPOS="554" VPOS="1201" ID="st24-732"/><String HEIGHT="19" CONTENT="3" WIDTH="8" HPOS="562" VPOS="1201" ID="st24-733"/><SP/><String HEIGHT="19" CONTENT="July" WIDTH="30" HPOS="575" VPOS="1201" ID="st24-734"/><SP/><String HEIGHT="19" CONTENT="2018" WIDTH="36" HPOS="609" VPOS="1201" ID="st24-735"/><String HEIGHT="19" CONTENT=")" WIDTH="9" HPOS="645" VPOS="1201" ID="st24-736"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="654" VPOS="1201" ID="st24-737"/><String HEIGHT="19" CONTENT="»" WIDTH="9" HPOS="668" VPOS="1201" ID="st24-738"/><String HEIGHT="19" CONTENT="Plan" WIDTH="36" HPOS="677" VPOS="1201" ID="st24-739"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="718" VPOS="1201" ID="st24-740"/><SP/><String HEIGHT="19" CONTENT="make" WIDTH="45" HPOS="740" VPOS="1201" ID="st24-741"/><SP/><String HEIGHT="19" CONTENT="banks" WIDTH="48" HPOS="790" VPOS="1201" ID="st24-742"/><SP/><String HEIGHT="19" CONTENT="divulge" WIDTH="59" HPOS="843" VPOS="1201" ID="st24-743"/><SP/><String HEIGHT="19" CONTENT="sales" WIDTH="39" HPOS="907" VPOS="1201" ID="st24-744"/><SP/><String HEIGHT="19" CONTENT="goals" WIDTH="43" HPOS="950" VPOS="1201" ID="st24-745"/><SP/><String HEIGHT="19" CONTENT="closer" WIDTH="48" HPOS="998" VPOS="1201" ID="st24-746"/><SP/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="1050" VPOS="1201" ID="st24-747"/><SP/><String HEIGHT="19" CONTENT="becoming" WIDTH="82" HPOS="1072" VPOS="1201" ID="st24-748"/><SP/><String HEIGHT="19" CONTENT="L" WIDTH="8" HPOS="1159" VPOS="1201" ID="st24-749"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1167" VPOS="1201" ID="st24-750"/><String HEIGHT="19" CONTENT="A" WIDTH="8" HPOS="1175" VPOS="1201" ID="st24-751"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1183" VPOS="1201" ID="st24-752"/><SP/><String HEIGHT="19" CONTENT="law" WIDTH="27" HPOS="1196" VPOS="1201" ID="st24-753"/><String HEIGHT="19" CONTENT="«" WIDTH="9" HPOS="1223" VPOS="1201" ID="st24-754"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1232" VPOS="1201" ID="st24-755"/><SP/><String HEIGHT="19" CONTENT="The" WIDTH="30" HPOS="1246" VPOS="1201" ID="st24-756"/><SP/><String HEIGHT="19" CONTENT="American" WIDTH="79" HPOS="1280" VPOS="1201" ID="st24-757"/><SP/><String HEIGHT="19" CONTENT="Banker" WIDTH="52" HPOS="1364" VPOS="1201" ID="st24-758"/><String HEIGHT="19" CONTENT="." WIDTH="8" HPOS="1416" VPOS="1201" ID="st24-759"/><SP/><String HEIGHT="19" CONTENT="Re" WIDTH="18" HPOS="1429" VPOS="1201" ID="st24-760" SUBS_TYPE="HypPart1" SUBS_CONTENT="Retrieved"/><HYP CONTENT="-" WIDTH="9" HPOS="1447" VPOS="1201" HEIGHT="19"/></TextLine><TextLine HPOS="472" VPOS="1224" ID="tl24-36" WIDTH="976" HEIGHT="19"><String HEIGHT="19" CONTENT="trieved" WIDTH="56" HPOS="472" VPOS="1224" ID="st24-761" SUBS_TYPE="HypPart2" SUBS_CONTENT="Retrieved"/><SP/><String HEIGHT="19" CONTENT="at" WIDTH="14" HPOS="534" VPOS="1224" ID="st24-762"/><String HEIGHT="19" CONTENT=":" WIDTH="7" HPOS="548" VPOS="1224" ID="st24-763"/><SP/><String HEIGHT="19" CONTENT="https" WIDTH="43" HPOS="561" VPOS="1224" ID="st24-764"/><String HEIGHT="19" CONTENT=":" WIDTH="9" HPOS="604" VPOS="1224" ID="st24-765"/><String HEIGHT="19" CONTENT="//www" WIDTH="44" HPOS="613" VPOS="1224" ID="st24-766"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="657" VPOS="1224" ID="st24-767"/><String HEIGHT="19" CONTENT="americanbanker" WIDTH="123" HPOS="666" VPOS="1224" ID="st24-768"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="789" VPOS="1224" ID="st24-769"/><String HEIGHT="19" CONTENT="com/news/plan" WIDTH="114" HPOS="798" VPOS="1224" ID="st24-770"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="912" VPOS="1224" ID="st24-771"/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="921" VPOS="1224" ID="st24-772"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="938" VPOS="1224" ID="st24-773"/><String HEIGHT="19" CONTENT="make" WIDTH="35" HPOS="947" VPOS="1224" ID="st24-774"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="982" VPOS="1224" ID="st24-775"/><String HEIGHT="19" CONTENT="banks" WIDTH="44" HPOS="991" VPOS="1224" ID="st24-776"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1035" VPOS="1224" ID="st24-777"/><String HEIGHT="19" CONTENT="divulge" WIDTH="61" HPOS="1044" VPOS="1224" ID="st24-778"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1105" VPOS="1224" ID="st24-779"/><String HEIGHT="19" CONTENT="sales" WIDTH="44" HPOS="1114" VPOS="1224" ID="st24-780"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1158" VPOS="1224" ID="st24-781"/><String HEIGHT="19" CONTENT="goals" WIDTH="44" HPOS="1166" VPOS="1224" ID="st24-782"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1210" VPOS="1224" ID="st24-783"/><String HEIGHT="19" CONTENT="closer" WIDTH="53" HPOS="1219" VPOS="1224" ID="st24-784"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1272" VPOS="1224" ID="st24-785"/><String HEIGHT="19" CONTENT="to" WIDTH="17" HPOS="1281" VPOS="1224" ID="st24-786"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1298" VPOS="1224" ID="st24-787"/><String HEIGHT="19" CONTENT="becoming" WIDTH="70" HPOS="1307" VPOS="1224" ID="st24-788"/><String HEIGHT="19" CONTENT="-" WIDTH="9" HPOS="1377" VPOS="1224" ID="st24-789"/><String HEIGHT="19" CONTENT="la" WIDTH="18" HPOS="1386" VPOS="1224" ID="st24-790"/><String HEIGHT="19" CONTENT="-" WIDTH="8" HPOS="1404" VPOS="1224" ID="st24-791"/><String HEIGHT="19" CONTENT="law" WIDTH="27" HPOS="1412" VPOS="1224" ID="st24-792"/><String HEIGHT="19" CONTENT="." WIDTH="9" HPOS="1439" VPOS="1224" ID="st24-793"/></TextLine><TextLine HPOS="810" VPOS="2254" ID="tl24-37" WIDTH="32" HEIGHT="28"><String HEIGHT="28" CONTENT="23" WIDTH="32" HPOS="810" VPOS="2254" ID="st24-794"/></TextLine></TextBlock></PrintSpace></Page><Page WIDTH="1653" PHYSICAL_IMG_NR="25" ID="p840464" HEIGHT="2338"><PrintSpace WIDTH="1653" HPOS="0" VPOS="0" ID="ps840464" HEIGHT="2338"><TextBlock WIDTH="1653" HPOS="0" VPOS="0" ID="tb840464" HEIGHT="2338"><TextLine HPOS="196" VPOS="217" ID="tl25-0" WIDTH="203" HEIGHT="21"><String HEIGHT="21" CONTENT="About" WIDTH="66" HPOS="196" VPOS="217" ID="st25-0"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="35" HPOS="268" VPOS="217" ID="st25-1"/><SP/><String HEIGHT="21" CONTENT="Authors" WIDTH="78" HPOS="309" VPOS="217" ID="st25-2"/><String HEIGHT="21" CONTENT=":" WIDTH="12" HPOS="387" VPOS="217" ID="st25-3"/></TextLine><TextLine HPOS="196" VPOS="271" ID="tl25-1" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="Rita" WIDTH="41" HPOS="196" VPOS="271" ID="st25-4"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="76" HPOS="251" VPOS="271" ID="st25-5"/><SP/><String HEIGHT="21" CONTENT="is" WIDTH="14" HPOS="340" VPOS="271" ID="st25-6"/><SP/><String HEIGHT="21" CONTENT="executive" WIDTH="89" HPOS="367" VPOS="271" ID="st25-7"/><SP/><String HEIGHT="21" CONTENT="director" WIDTH="73" HPOS="469" VPOS="271" ID="st25-8"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="556" VPOS="271" ID="st25-9"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="589" VPOS="271" ID="st25-10"/><SP/><String HEIGHT="21" CONTENT="São" WIDTH="35" HPOS="633" VPOS="271" ID="st25-11"/><SP/><String HEIGHT="21" CONTENT="Paulo" WIDTH="52" HPOS="682" VPOS="271" ID="st25-12"/><SP/><String HEIGHT="21" CONTENT="Bank" WIDTH="48" HPOS="747" VPOS="271" ID="st25-13"/></TextLine><TextLine HPOS="196" VPOS="297" ID="tl25-2" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="Workers" WIDTH="80" HPOS="196" VPOS="297" ID="st25-14"/><SP/><String HEIGHT="21" CONTENT="Union" WIDTH="57" HPOS="289" VPOS="297" ID="st25-15"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="359" VPOS="297" ID="st25-16"/><SP/><String HEIGHT="21" CONTENT="president" WIDTH="88" HPOS="408" VPOS="297" ID="st25-17"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="509" VPOS="297" ID="st25-18"/><SP/><String HEIGHT="21" CONTENT="UNI" WIDTH="34" HPOS="542" VPOS="297" ID="st25-19"/><SP/><String HEIGHT="21" CONTENT="Finance" WIDTH="69" HPOS="589" VPOS="297" ID="st25-20"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="658" VPOS="297" ID="st25-21"/><SP/><String HEIGHT="21" CONTENT="a" WIDTH="11" HPOS="681" VPOS="297" ID="st25-22"/><SP/><String HEIGHT="21" CONTENT="sector" WIDTH="57" HPOS="705" VPOS="297" ID="st25-23"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="775" VPOS="297" ID="st25-24"/></TextLine><TextLine HPOS="196" VPOS="324" ID="tl25-3" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="UNI" WIDTH="35" HPOS="196" VPOS="324" ID="st25-25"/><SP/><String HEIGHT="21" CONTENT="Global" WIDTH="62" HPOS="240" VPOS="324" ID="st25-26"/><SP/><String HEIGHT="21" CONTENT="Union" WIDTH="52" HPOS="311" VPOS="324" ID="st25-27"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="363" VPOS="324" ID="st25-28"/><SP/><String HEIGHT="21" CONTENT="Ms" WIDTH="23" HPOS="383" VPOS="324" ID="st25-29"/><String HEIGHT="21" CONTENT="." WIDTH="12" HPOS="406" VPOS="324" ID="st25-30"/><SP/><String HEIGHT="21" CONTENT="Berlofa" WIDTH="61" HPOS="427" VPOS="324" ID="st25-31"/><String HEIGHT="21" CONTENT="’" WIDTH="9" HPOS="488" VPOS="324" ID="st25-32"/><String HEIGHT="21" CONTENT="s" WIDTH="9" HPOS="497" VPOS="324" ID="st25-33"/><SP/><String HEIGHT="21" CONTENT="election" WIDTH="74" HPOS="515" VPOS="324" ID="st25-34"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="598" VPOS="324" ID="st25-35"/><SP/><String HEIGHT="21" CONTENT="2015" WIDTH="49" HPOS="625" VPOS="324" ID="st25-36"/><SP/><String HEIGHT="21" CONTENT="marked" WIDTH="72" HPOS="683" VPOS="324" ID="st25-37"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="764" VPOS="324" ID="st25-38"/></TextLine><TextLine HPOS="196" VPOS="351" ID="tl25-4" WIDTH="598" HEIGHT="21"><String HEIGHT="21" CONTENT="first" WIDTH="36" HPOS="196" VPOS="351" ID="st25-39"/><SP/><String HEIGHT="21" CONTENT="time" WIDTH="42" HPOS="245" VPOS="351" ID="st25-40"/><SP/><String HEIGHT="21" CONTENT="that" WIDTH="38" HPOS="299" VPOS="351" ID="st25-41"/><SP/><String HEIGHT="21" CONTENT="someone" WIDTH="87" HPOS="350" VPOS="351" ID="st25-42"/><SP/><String HEIGHT="21" CONTENT="from" WIDTH="45" HPOS="449" VPOS="351" ID="st25-43"/><SP/><String HEIGHT="21" CONTENT="outside" WIDTH="70" HPOS="506" VPOS="351" ID="st25-44"/><SP/><String HEIGHT="21" CONTENT="Europe" WIDTH="67" HPOS="588" VPOS="351" ID="st25-45"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="667" VPOS="351" ID="st25-46"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="715" VPOS="351" ID="st25-47"/><SP/><String HEIGHT="21" CONTENT="first" WIDTH="36" HPOS="758" VPOS="351" ID="st25-48"/></TextLine><TextLine HPOS="196" VPOS="377" ID="tl25-5" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="time" WIDTH="42" HPOS="196" VPOS="377" ID="st25-49"/><SP/><String HEIGHT="21" CONTENT="that" WIDTH="39" HPOS="248" VPOS="377" ID="st25-50"/><SP/><String HEIGHT="21" CONTENT="a" WIDTH="11" HPOS="297" VPOS="377" ID="st25-51"/><SP/><String HEIGHT="21" CONTENT="woman" WIDTH="71" HPOS="318" VPOS="377" ID="st25-52"/><SP/><String HEIGHT="21" CONTENT="would" WIDTH="60" HPOS="399" VPOS="377" ID="st25-53"/><SP/><String HEIGHT="21" CONTENT="be" WIDTH="24" HPOS="468" VPOS="377" ID="st25-54"/><SP/><String HEIGHT="21" CONTENT="representing" WIDTH="118" HPOS="502" VPOS="377" ID="st25-55"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="630" VPOS="377" ID="st25-56"/><SP/><String HEIGHT="21" CONTENT="more" WIDTH="50" HPOS="670" VPOS="377" ID="st25-57"/><SP/><String HEIGHT="21" CONTENT="than" WIDTH="44" HPOS="729" VPOS="377" ID="st25-58"/><SP/><String HEIGHT="21" CONTENT="3" WIDTH="12" HPOS="783" VPOS="377" ID="st25-59"/></TextLine><TextLine HPOS="196" VPOS="404" ID="tl25-6" WIDTH="598" HEIGHT="21"><String HEIGHT="21" CONTENT="million" WIDTH="63" HPOS="196" VPOS="404" ID="st25-60"/><SP/><String HEIGHT="21" CONTENT="workers" WIDTH="75" HPOS="269" VPOS="404" ID="st25-61"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="354" VPOS="404" ID="st25-62"/><SP/><String HEIGHT="21" CONTENT="237" WIDTH="37" HPOS="381" VPOS="404" ID="st25-63"/><SP/><String HEIGHT="21" CONTENT="unions" WIDTH="63" HPOS="428" VPOS="404" ID="st25-64"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="501" VPOS="404" ID="st25-65"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="528" VPOS="404" ID="st25-66"/><SP/><String HEIGHT="21" CONTENT="world" WIDTH="47" HPOS="569" VPOS="404" ID="st25-67"/><String HEIGHT="21" CONTENT="’" WIDTH="9" HPOS="616" VPOS="404" ID="st25-68"/><String HEIGHT="21" CONTENT="s" WIDTH="10" HPOS="625" VPOS="404" ID="st25-69"/><SP/><String HEIGHT="21" CONTENT="financial" WIDTH="79" HPOS="645" VPOS="404" ID="st25-70"/><SP/><String HEIGHT="21" CONTENT="sector" WIDTH="52" HPOS="734" VPOS="404" ID="st25-71"/><String HEIGHT="21" CONTENT="." WIDTH="8" HPOS="786" VPOS="404" ID="st25-72"/></TextLine><TextLine HPOS="196" VPOS="457" ID="tl25-7" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="Corey" WIDTH="60" HPOS="196" VPOS="457" ID="st25-73"/><SP/><String HEIGHT="21" CONTENT="Klemmer" WIDTH="94" HPOS="262" VPOS="457" ID="st25-74"/><SP/><String HEIGHT="21" CONTENT="is" WIDTH="13" HPOS="361" VPOS="457" ID="st25-75"/><SP/><String HEIGHT="21" CONTENT="an" WIDTH="23" HPOS="380" VPOS="457" ID="st25-76"/><SP/><String HEIGHT="21" CONTENT="attorney" WIDTH="80" HPOS="408" VPOS="457" ID="st25-77"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="493" VPOS="457" ID="st25-78"/><SP/><String HEIGHT="21" CONTENT="analyst" WIDTH="66" HPOS="534" VPOS="457" ID="st25-79"/><SP/><String HEIGHT="21" CONTENT="on" WIDTH="25" HPOS="605" VPOS="457" ID="st25-80"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="635" VPOS="457" ID="st25-81"/><SP/><String HEIGHT="21" CONTENT="AFL" WIDTH="33" HPOS="671" VPOS="457" ID="st25-82"/><String HEIGHT="21" CONTENT="-" WIDTH="11" HPOS="704" VPOS="457" ID="st25-83"/><String HEIGHT="21" CONTENT="CIO" WIDTH="34" HPOS="715" VPOS="457" ID="st25-84"/><SP/><String HEIGHT="21" CONTENT="Cor" WIDTH="31" HPOS="754" VPOS="457" ID="st25-85" SUBS_TYPE="HypPart1" SUBS_CONTENT="Corporations"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="457" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="484" ID="tl25-8" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="porations" WIDTH="89" HPOS="196" VPOS="484" ID="st25-86" SUBS_TYPE="HypPart2" SUBS_CONTENT="Corporations"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="35" HPOS="294" VPOS="484" ID="st25-87"/><SP/><String HEIGHT="21" CONTENT="Capital" WIDTH="66" HPOS="338" VPOS="484" ID="st25-88"/><SP/><String HEIGHT="21" CONTENT="Markets" WIDTH="76" HPOS="413" VPOS="484" ID="st25-89"/><SP/><String HEIGHT="21" CONTENT="team" WIDTH="43" HPOS="498" VPOS="484" ID="st25-90"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="541" VPOS="484" ID="st25-91"/><SP/><String HEIGHT="21" CONTENT="where" WIDTH="59" HPOS="560" VPOS="484" ID="st25-92"/><SP/><String HEIGHT="21" CONTENT="she" WIDTH="33" HPOS="627" VPOS="484" ID="st25-93"/><SP/><String HEIGHT="21" CONTENT="develops" WIDTH="83" HPOS="668" VPOS="484" ID="st25-94"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="759" VPOS="484" ID="st25-95"/></TextLine><TextLine HPOS="196" VPOS="511" ID="tl25-9" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="executes" WIDTH="82" HPOS="196" VPOS="511" ID="st25-96"/><SP/><String HEIGHT="21" CONTENT="capital" WIDTH="61" HPOS="284" VPOS="511" ID="st25-97"/><SP/><String HEIGHT="21" CONTENT="stewardship" WIDTH="113" HPOS="351" VPOS="511" ID="st25-98"/><SP/><String HEIGHT="21" CONTENT="strategies" WIDTH="87" HPOS="470" VPOS="511" ID="st25-99"/><String HEIGHT="21" CONTENT="." WIDTH="9" HPOS="557" VPOS="511" ID="st25-100"/><SP/><String HEIGHT="21" CONTENT="She" WIDTH="34" HPOS="572" VPOS="511" ID="st25-101"/><SP/><String HEIGHT="21" CONTENT="engages" WIDTH="79" HPOS="612" VPOS="511" ID="st25-102"/><SP/><String HEIGHT="21" CONTENT="with" WIDTH="42" HPOS="697" VPOS="511" ID="st25-103"/><SP/><String HEIGHT="21" CONTENT="regu" WIDTH="40" HPOS="745" VPOS="511" ID="st25-104" SUBS_TYPE="HypPart1" SUBS_CONTENT="regulators"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="511" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="537" ID="tl25-10" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="lators" WIDTH="49" HPOS="196" VPOS="537" ID="st25-105" SUBS_TYPE="HypPart2" SUBS_CONTENT="regulators"/><String HEIGHT="21" CONTENT="," WIDTH="9" HPOS="245" VPOS="537" ID="st25-106"/><SP/><String HEIGHT="21" CONTENT="companies" WIDTH="97" HPOS="259" VPOS="537" ID="st25-107"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="356" VPOS="537" ID="st25-108"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="371" VPOS="537" ID="st25-109"/><SP/><String HEIGHT="21" CONTENT="investors" WIDTH="83" HPOS="412" VPOS="537" ID="st25-110"/><SP/><String HEIGHT="21" CONTENT="to" WIDTH="19" HPOS="500" VPOS="537" ID="st25-111"/><SP/><String HEIGHT="21" CONTENT="address" WIDTH="71" HPOS="524" VPOS="537" ID="st25-112"/><SP/><String HEIGHT="21" CONTENT="emerging" WIDTH="90" HPOS="600" VPOS="537" ID="st25-113"/><SP/><String HEIGHT="21" CONTENT="risks" WIDTH="41" HPOS="695" VPOS="537" ID="st25-114"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="741" VPOS="537" ID="st25-115"/><SP/><String HEIGHT="21" CONTENT="our" WIDTH="32" HPOS="763" VPOS="537" ID="st25-116"/></TextLine><TextLine HPOS="196" VPOS="564" ID="tl25-11" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="markets" WIDTH="76" HPOS="196" VPOS="564" ID="st25-117"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="282" VPOS="564" ID="st25-118"/><SP/><String HEIGHT="21" CONTENT="advocate" WIDTH="85" HPOS="328" VPOS="564" ID="st25-119"/><SP/><String HEIGHT="21" CONTENT="for" WIDTH="27" HPOS="423" VPOS="564" ID="st25-120"/><SP/><String HEIGHT="21" CONTENT="forward" WIDTH="70" HPOS="460" VPOS="564" ID="st25-121"/><String HEIGHT="21" CONTENT="-" WIDTH="10" HPOS="530" VPOS="564" ID="st25-122"/><String HEIGHT="21" CONTENT="thinking" WIDTH="80" HPOS="540" VPOS="564" ID="st25-123"/><SP/><String HEIGHT="21" CONTENT="investor" WIDTH="75" HPOS="630" VPOS="564" ID="st25-124"/><SP/><String HEIGHT="21" CONTENT="perspec" WIDTH="71" HPOS="714" VPOS="564" ID="st25-125" SUBS_TYPE="HypPart1" SUBS_CONTENT="perspectives"/><HYP CONTENT="-" WIDTH="10" HPOS="785" VPOS="564" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="591" ID="tl25-12" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="tives" WIDTH="42" HPOS="196" VPOS="591" ID="st25-126" SUBS_TYPE="HypPart2" SUBS_CONTENT="perspectives"/><SP/><String HEIGHT="21" CONTENT="on" WIDTH="25" HPOS="248" VPOS="591" ID="st25-127"/><SP/><String HEIGHT="21" CONTENT="private" WIDTH="65" HPOS="283" VPOS="591" ID="st25-128"/><SP/><String HEIGHT="21" CONTENT="funds" WIDTH="49" HPOS="358" VPOS="591" ID="st25-129"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="407" VPOS="591" ID="st25-130"/><SP/><String HEIGHT="21" CONTENT="human" WIDTH="67" HPOS="427" VPOS="591" ID="st25-131"/><SP/><String HEIGHT="21" CONTENT="capital" WIDTH="62" HPOS="504" VPOS="591" ID="st25-132"/><SP/><String HEIGHT="21" CONTENT="management" WIDTH="120" HPOS="576" VPOS="591" ID="st25-133"/><String HEIGHT="21" CONTENT="," WIDTH="12" HPOS="696" VPOS="591" ID="st25-134"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="718" VPOS="591" ID="st25-135"/><SP/><String HEIGHT="21" CONTENT="stu" WIDTH="27" HPOS="759" VPOS="591" ID="st25-136" SUBS_TYPE="HypPart1" SUBS_CONTENT="student"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="591" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="617" ID="tl25-13" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="dent" WIDTH="43" HPOS="196" VPOS="617" ID="st25-137" SUBS_TYPE="HypPart2" SUBS_CONTENT="student"/><SP/><String HEIGHT="21" CONTENT="debt" WIDTH="43" HPOS="244" VPOS="617" ID="st25-138"/><SP/><String HEIGHT="21" CONTENT="crisis" WIDTH="42" HPOS="292" VPOS="617" ID="st25-139"/><String HEIGHT="21" CONTENT="," WIDTH="8" HPOS="334" VPOS="617" ID="st25-140"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="347" VPOS="617" ID="st25-141"/><SP/><String HEIGHT="21" CONTENT="criminal" WIDTH="73" HPOS="388" VPOS="617" ID="st25-142"/><SP/><String HEIGHT="21" CONTENT="justice" WIDTH="59" HPOS="466" VPOS="617" ID="st25-143"/><SP/><String HEIGHT="21" CONTENT="reform" WIDTH="59" HPOS="530" VPOS="617" ID="st25-144"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="589" VPOS="617" ID="st25-145"/><SP/><String HEIGHT="21" CONTENT="among" WIDTH="67" HPOS="604" VPOS="617" ID="st25-146"/><SP/><String HEIGHT="21" CONTENT="other" WIDTH="51" HPOS="675" VPOS="617" ID="st25-147"/><SP/><String HEIGHT="21" CONTENT="things" WIDTH="54" HPOS="731" VPOS="617" ID="st25-148"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="785" VPOS="617" ID="st25-149"/></TextLine><TextLine HPOS="196" VPOS="671" ID="tl25-14" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="Stephen" WIDTH="87" HPOS="196" VPOS="671" ID="st25-150"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="67" HPOS="289" VPOS="671" ID="st25-151"/><SP/><String HEIGHT="21" CONTENT="is" WIDTH="13" HPOS="362" VPOS="671" ID="st25-152"/><SP/><String HEIGHT="21" CONTENT="a" WIDTH="11" HPOS="381" VPOS="671" ID="st25-153"/><SP/><String HEIGHT="21" CONTENT="labor" WIDTH="48" HPOS="398" VPOS="671" ID="st25-154"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="452" VPOS="671" ID="st25-155"/><SP/><String HEIGHT="21" CONTENT="community" WIDTH="106" HPOS="494" VPOS="671" ID="st25-156"/><SP/><String HEIGHT="21" CONTENT="organizer" WIDTH="89" HPOS="606" VPOS="671" ID="st25-157"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="700" VPOS="671" ID="st25-158"/><SP/><String HEIGHT="21" CONTENT="archi" WIDTH="45" HPOS="742" VPOS="671" ID="st25-159" SUBS_TYPE="HypPart1" SUBS_CONTENT="architect"/><HYP CONTENT="-" WIDTH="8" HPOS="787" VPOS="671" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="697" ID="tl25-15" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="tect" WIDTH="36" HPOS="196" VPOS="697" ID="st25-160" SUBS_TYPE="HypPart2" SUBS_CONTENT="architect"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="239" VPOS="697" ID="st25-161"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="266" VPOS="697" ID="st25-162"/><SP/><String HEIGHT="21" CONTENT="groundbreaking" WIDTH="151" HPOS="304" VPOS="697" ID="st25-163"/><SP/><String HEIGHT="21" CONTENT="Justice" WIDTH="62" HPOS="462" VPOS="697" ID="st25-164"/><SP/><String HEIGHT="21" CONTENT="for" WIDTH="28" HPOS="531" VPOS="697" ID="st25-165"/><SP/><String HEIGHT="21" CONTENT="Janitors" WIDTH="71" HPOS="566" VPOS="697" ID="st25-166"/><SP/><String HEIGHT="21" CONTENT="campaign" WIDTH="88" HPOS="644" VPOS="697" ID="st25-167"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="732" VPOS="697" ID="st25-168"/><SP/><String HEIGHT="21" CONTENT="Over" WIDTH="45" HPOS="750" VPOS="697" ID="st25-169"/></TextLine><TextLine HPOS="196" VPOS="724" ID="tl25-16" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="196" VPOS="724" ID="st25-170"/><SP/><String HEIGHT="21" CONTENT="past" WIDTH="39" HPOS="235" VPOS="724" ID="st25-171"/><SP/><String HEIGHT="21" CONTENT="three" WIDTH="49" HPOS="282" VPOS="724" ID="st25-172"/><SP/><String HEIGHT="21" CONTENT="decades" WIDTH="71" HPOS="339" VPOS="724" ID="st25-173"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="410" VPOS="724" ID="st25-174"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="60" HPOS="429" VPOS="724" ID="st25-175"/><SP/><String HEIGHT="21" CONTENT="has" WIDTH="32" HPOS="496" VPOS="724" ID="st25-176"/><SP/><String HEIGHT="21" CONTENT="worked" WIDTH="72" HPOS="536" VPOS="724" ID="st25-177"/><SP/><String HEIGHT="21" CONTENT="on" WIDTH="25" HPOS="615" VPOS="724" ID="st25-178"/><SP/><String HEIGHT="21" CONTENT="campaigns" WIDTH="101" HPOS="648" VPOS="724" ID="st25-179"/><SP/><String HEIGHT="21" CONTENT="that" WIDTH="38" HPOS="757" VPOS="724" ID="st25-180"/></TextLine><TextLine HPOS="196" VPOS="751" ID="tl25-17" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="organized" WIDTH="94" HPOS="196" VPOS="751" ID="st25-181"/><SP/><String HEIGHT="21" CONTENT="hundreds" WIDTH="89" HPOS="295" VPOS="751" ID="st25-182"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="389" VPOS="751" ID="st25-183"/><SP/><String HEIGHT="21" CONTENT="thousands" WIDTH="97" HPOS="414" VPOS="751" ID="st25-184"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="516" VPOS="751" ID="st25-185"/><SP/><String HEIGHT="21" CONTENT="janitors" WIDTH="67" HPOS="541" VPOS="751" ID="st25-186"/><String HEIGHT="21" CONTENT="," WIDTH="9" HPOS="608" VPOS="751" ID="st25-187"/><SP/><String HEIGHT="21" CONTENT="farm" WIDTH="44" HPOS="622" VPOS="751" ID="st25-188"/><SP/><String HEIGHT="21" CONTENT="workers" WIDTH="71" HPOS="671" VPOS="751" ID="st25-189"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="742" VPOS="751" ID="st25-190"/><SP/><String HEIGHT="21" CONTENT="gar" WIDTH="28" HPOS="758" VPOS="751" ID="st25-191" SUBS_TYPE="HypPart1" SUBS_CONTENT="garment"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="751" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="777" ID="tl25-18" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="ment" WIDTH="50" HPOS="196" VPOS="777" ID="st25-192" SUBS_TYPE="HypPart2" SUBS_CONTENT="garment"/><SP/><String HEIGHT="21" CONTENT="workers" WIDTH="70" HPOS="251" VPOS="777" ID="st25-193"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="321" VPOS="777" ID="st25-194"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="337" VPOS="777" ID="st25-195"/><SP/><String HEIGHT="21" CONTENT="other" WIDTH="50" HPOS="378" VPOS="777" ID="st25-196"/><SP/><String HEIGHT="21" CONTENT="low" WIDTH="35" HPOS="433" VPOS="777" ID="st25-197"/><String HEIGHT="21" CONTENT="-" WIDTH="12" HPOS="468" VPOS="777" ID="st25-198"/><String HEIGHT="21" CONTENT="wage" WIDTH="47" HPOS="480" VPOS="777" ID="st25-199"/><SP/><String HEIGHT="21" CONTENT="workers" WIDTH="75" HPOS="532" VPOS="777" ID="st25-200"/><SP/><String HEIGHT="21" CONTENT="into" WIDTH="37" HPOS="612" VPOS="777" ID="st25-201"/><SP/><String HEIGHT="21" CONTENT="unions" WIDTH="59" HPOS="654" VPOS="777" ID="st25-202"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="713" VPOS="777" ID="st25-203"/><SP/><String HEIGHT="21" CONTENT="A" WIDTH="15" HPOS="728" VPOS="777" ID="st25-204"/><SP/><String HEIGHT="21" CONTENT="lead" WIDTH="38" HPOS="748" VPOS="777" ID="st25-205" SUBS_TYPE="HypPart1" SUBS_CONTENT="leading"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="777" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="804" ID="tl25-19" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="ing" WIDTH="30" HPOS="196" VPOS="804" ID="st25-206" SUBS_TYPE="HypPart2" SUBS_CONTENT="leading"/><SP/><String HEIGHT="21" CONTENT="critic" WIDTH="44" HPOS="232" VPOS="804" ID="st25-207"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="19" HPOS="283" VPOS="804" ID="st25-208"/><SP/><String HEIGHT="21" CONTENT="Wall" WIDTH="41" HPOS="308" VPOS="804" ID="st25-209"/><SP/><String HEIGHT="21" CONTENT="Street" WIDTH="55" HPOS="356" VPOS="804" ID="st25-210"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="417" VPOS="804" ID="st25-211"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="459" VPOS="804" ID="st25-212"/><SP/><String HEIGHT="21" CONTENT="increased" WIDTH="88" HPOS="496" VPOS="804" ID="st25-213"/><SP/><String HEIGHT="21" CONTENT="financialization" WIDTH="142" HPOS="590" VPOS="804" ID="st25-214"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="738" VPOS="804" ID="st25-215"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="764" VPOS="804" ID="st25-216"/></TextLine><TextLine HPOS="196" VPOS="831" ID="tl25-20" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="U" WIDTH="9" HPOS="196" VPOS="831" ID="st25-217"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="205" VPOS="831" ID="st25-218"/><String HEIGHT="21" CONTENT="S" WIDTH="10" HPOS="215" VPOS="831" ID="st25-219"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="225" VPOS="831" ID="st25-220"/><SP/><String HEIGHT="21" CONTENT="economy" WIDTH="78" HPOS="241" VPOS="831" ID="st25-221"/><String HEIGHT="21" CONTENT="," WIDTH="12" HPOS="319" VPOS="831" ID="st25-222"/><SP/><String HEIGHT="21" CONTENT="Lerner" WIDTH="60" HPOS="337" VPOS="831" ID="st25-223"/><SP/><String HEIGHT="21" CONTENT="argues" WIDTH="63" HPOS="403" VPOS="831" ID="st25-224"/><SP/><String HEIGHT="21" CONTENT="that" WIDTH="38" HPOS="472" VPOS="831" ID="st25-225"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="516" VPOS="831" ID="st25-226"/><SP/><String HEIGHT="21" CONTENT="growing" WIDTH="78" HPOS="553" VPOS="831" ID="st25-227"/><SP/><String HEIGHT="21" CONTENT="power" WIDTH="61" HPOS="637" VPOS="831" ID="st25-228"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="35" HPOS="704" VPOS="831" ID="st25-229"/><SP/><String HEIGHT="21" CONTENT="influ" WIDTH="42" HPOS="745" VPOS="831" ID="st25-230" SUBS_TYPE="HypPart1" SUBS_CONTENT="influence"/><HYP CONTENT="-" WIDTH="8" HPOS="787" VPOS="831" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="857" ID="tl25-21" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="ence" WIDTH="45" HPOS="196" VPOS="857" ID="st25-231" SUBS_TYPE="HypPart2" SUBS_CONTENT="influence"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="19" HPOS="247" VPOS="857" ID="st25-232"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="272" VPOS="857" ID="st25-233"/><SP/><String HEIGHT="21" CONTENT="finance" WIDTH="69" HPOS="309" VPOS="857" ID="st25-234"/><SP/><String HEIGHT="21" CONTENT="industry" WIDTH="76" HPOS="384" VPOS="857" ID="st25-235"/><SP/><String HEIGHT="21" CONTENT="has" WIDTH="32" HPOS="466" VPOS="857" ID="st25-236"/><SP/><String HEIGHT="21" CONTENT="led" WIDTH="28" HPOS="504" VPOS="857" ID="st25-237"/><SP/><String HEIGHT="21" CONTENT="to" WIDTH="20" HPOS="538" VPOS="857" ID="st25-238"/><SP/><String HEIGHT="21" CONTENT="record" WIDTH="59" HPOS="564" VPOS="857" ID="st25-239"/><SP/><String HEIGHT="21" CONTENT="wealth" WIDTH="64" HPOS="629" VPOS="857" ID="st25-240"/><SP/><String HEIGHT="21" CONTENT="inequality" WIDTH="87" HPOS="699" VPOS="857" ID="st25-241"/><String HEIGHT="21" CONTENT="." WIDTH="9" HPOS="786" VPOS="857" ID="st25-242"/></TextLine><TextLine HPOS="196" VPOS="884" ID="tl25-22" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="The" WIDTH="35" HPOS="196" VPOS="884" ID="st25-243"/><SP/><String HEIGHT="21" CONTENT="industry" WIDTH="75" HPOS="237" VPOS="884" ID="st25-244"/><SP/><String HEIGHT="21" CONTENT="has" WIDTH="33" HPOS="318" VPOS="884" ID="st25-245"/><SP/><String HEIGHT="21" CONTENT="served" WIDTH="60" HPOS="357" VPOS="884" ID="st25-246"/><SP/><String HEIGHT="21" CONTENT="as" WIDTH="20" HPOS="423" VPOS="884" ID="st25-247"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="449" VPOS="884" ID="st25-248"/><SP/><String HEIGHT="21" CONTENT="driving" WIDTH="64" HPOS="486" VPOS="884" ID="st25-249"/><SP/><String HEIGHT="21" CONTENT="force" WIDTH="48" HPOS="556" VPOS="884" ID="st25-250"/><SP/><String HEIGHT="21" CONTENT="behind" WIDTH="66" HPOS="610" VPOS="884" ID="st25-251"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="682" VPOS="884" ID="st25-252"/><SP/><String HEIGHT="21" CONTENT="creation" WIDTH="76" HPOS="719" VPOS="884" ID="st25-253"/></TextLine><TextLine HPOS="196" VPOS="911" ID="tl25-23" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="196" VPOS="911" ID="st25-254"/><SP/><String HEIGHT="21" CONTENT="overwhelming" WIDTH="135" HPOS="224" VPOS="911" ID="st25-255"/><SP/><String HEIGHT="21" CONTENT="debt" WIDTH="46" HPOS="367" VPOS="911" ID="st25-256"/><String HEIGHT="21" CONTENT="—" WIDTH="12" HPOS="413" VPOS="911" ID="st25-257"/><String HEIGHT="21" CONTENT="for" WIDTH="35" HPOS="425" VPOS="911" ID="st25-258"/><SP/><String HEIGHT="21" CONTENT="individuals" WIDTH="96" HPOS="468" VPOS="911" ID="st25-259"/><String HEIGHT="21" CONTENT="," WIDTH="9" HPOS="564" VPOS="911" ID="st25-260"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="581" VPOS="911" ID="st25-261"/><SP/><String HEIGHT="21" CONTENT="at" WIDTH="18" HPOS="626" VPOS="911" ID="st25-262"/><SP/><String HEIGHT="21" CONTENT="both" WIDTH="45" HPOS="652" VPOS="911" ID="st25-263"/><SP/><String HEIGHT="21" CONTENT="state" WIDTH="46" HPOS="705" VPOS="911" ID="st25-264"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="759" VPOS="911" ID="st25-265"/></TextLine><TextLine HPOS="196" VPOS="937" ID="tl25-24" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="municipal" WIDTH="91" HPOS="196" VPOS="937" ID="st25-266"/><SP/><String HEIGHT="21" CONTENT="levels" WIDTH="48" HPOS="292" VPOS="937" ID="st25-267"/><String HEIGHT="21" CONTENT="." WIDTH="8" HPOS="340" VPOS="937" ID="st25-268"/><SP/><String HEIGHT="21" CONTENT="Currently" WIDTH="81" HPOS="353" VPOS="937" ID="st25-269"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="434" VPOS="937" ID="st25-270"/><SP/><String HEIGHT="21" CONTENT="he" WIDTH="24" HPOS="448" VPOS="937" ID="st25-271"/><SP/><String HEIGHT="21" CONTENT="is" WIDTH="14" HPOS="476" VPOS="937" ID="st25-272"/><SP/><String HEIGHT="21" CONTENT="a" WIDTH="11" HPOS="495" VPOS="937" ID="st25-273"/><SP/><String HEIGHT="21" CONTENT="fellow" WIDTH="58" HPOS="510" VPOS="937" ID="st25-274"/><SP/><String HEIGHT="21" CONTENT="at" WIDTH="18" HPOS="573" VPOS="937" ID="st25-275"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="596" VPOS="937" ID="st25-276"/><SP/><String HEIGHT="21" CONTENT="Kalmonovitz" WIDTH="117" HPOS="631" VPOS="937" ID="st25-277"/><SP/><String HEIGHT="21" CONTENT="Initi" WIDTH="35" HPOS="753" VPOS="937" ID="st25-278" SUBS_TYPE="HypPart1" SUBS_CONTENT="Initiative"/><HYP CONTENT="-" WIDTH="7" HPOS="788" VPOS="937" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="964" ID="tl25-25" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="ative" WIDTH="45" HPOS="196" VPOS="964" ID="st25-279" SUBS_TYPE="HypPart2" SUBS_CONTENT="Initiative"/><SP/><String HEIGHT="21" CONTENT="for" WIDTH="27" HPOS="246" VPOS="964" ID="st25-280"/><SP/><String HEIGHT="21" CONTENT="Labor" WIDTH="53" HPOS="279" VPOS="964" ID="st25-281"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="337" VPOS="964" ID="st25-282"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="30" HPOS="379" VPOS="964" ID="st25-283"/><SP/><String HEIGHT="21" CONTENT="Working" WIDTH="81" HPOS="415" VPOS="964" ID="st25-284"/><SP/><String HEIGHT="21" CONTENT="Poor" WIDTH="44" HPOS="501" VPOS="964" ID="st25-285"/><SP/><String HEIGHT="21" CONTENT="at" WIDTH="19" HPOS="550" VPOS="964" ID="st25-286"/><SP/><String HEIGHT="21" CONTENT="Georgetown" WIDTH="120" HPOS="574" VPOS="964" ID="st25-287"/><SP/><String HEIGHT="21" CONTENT="University" WIDTH="87" HPOS="699" VPOS="964" ID="st25-288"/><String HEIGHT="21" CONTENT="." WIDTH="9" HPOS="786" VPOS="964" ID="st25-289"/></TextLine><TextLine HPOS="196" VPOS="1017" ID="tl25-26" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="Molly" WIDTH="60" HPOS="196" VPOS="1017" ID="st25-290"/><SP/><String HEIGHT="21" CONTENT="McGrath" WIDTH="90" HPOS="266" VPOS="1017" ID="st25-291"/><SP/><String HEIGHT="21" CONTENT="is" WIDTH="14" HPOS="366" VPOS="1017" ID="st25-292"/><SP/><String HEIGHT="21" CONTENT="on" WIDTH="25" HPOS="390" VPOS="1017" ID="st25-293"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="425" VPOS="1017" ID="st25-294"/><SP/><String HEIGHT="21" CONTENT="AFL" WIDTH="33" HPOS="466" VPOS="1017" ID="st25-295"/><String HEIGHT="21" CONTENT="-" WIDTH="11" HPOS="499" VPOS="1017" ID="st25-296"/><String HEIGHT="21" CONTENT="CIO" WIDTH="34" HPOS="510" VPOS="1017" ID="st25-297"/><SP/><String HEIGHT="21" CONTENT="Growth" WIDTH="73" HPOS="554" VPOS="1017" ID="st25-298"/><SP/><String HEIGHT="21" CONTENT="Strategies" WIDTH="93" HPOS="637" VPOS="1017" ID="st25-299"/><SP/><String HEIGHT="21" CONTENT="team" WIDTH="44" HPOS="740" VPOS="1017" ID="st25-300"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="784" VPOS="1017" ID="st25-301"/></TextLine><TextLine HPOS="196" VPOS="1044" ID="tl25-27" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="where" WIDTH="60" HPOS="196" VPOS="1044" ID="st25-302"/><SP/><String HEIGHT="21" CONTENT="she" WIDTH="32" HPOS="267" VPOS="1044" ID="st25-303"/><SP/><String HEIGHT="21" CONTENT="develops" WIDTH="83" HPOS="311" VPOS="1044" ID="st25-304"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="406" VPOS="1044" ID="st25-305"/><SP/><String HEIGHT="21" CONTENT="implements" WIDTH="110" HPOS="454" VPOS="1044" ID="st25-306"/><SP/><String HEIGHT="21" CONTENT="strategic" WIDTH="81" HPOS="576" VPOS="1044" ID="st25-307"/><SP/><String HEIGHT="21" CONTENT="research" WIDTH="79" HPOS="668" VPOS="1044" ID="st25-308"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="759" VPOS="1044" ID="st25-309"/></TextLine><TextLine HPOS="196" VPOS="1071" ID="tl25-28" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="organizing" WIDTH="100" HPOS="196" VPOS="1071" ID="st25-310"/><SP/><String HEIGHT="21" CONTENT="campaigns" WIDTH="96" HPOS="305" VPOS="1071" ID="st25-311"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="401" VPOS="1071" ID="st25-312"/><SP/><String HEIGHT="21" CONTENT="She" WIDTH="34" HPOS="421" VPOS="1071" ID="st25-313"/><SP/><String HEIGHT="21" CONTENT="has" WIDTH="32" HPOS="464" VPOS="1071" ID="st25-314"/><SP/><String HEIGHT="21" CONTENT="worked" WIDTH="71" HPOS="505" VPOS="1071" ID="st25-315"/><SP/><String HEIGHT="21" CONTENT="with" WIDTH="42" HPOS="585" VPOS="1071" ID="st25-316"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="635" VPOS="1071" ID="st25-317"/><SP/><String HEIGHT="21" CONTENT="International" WIDTH="120" HPOS="675" VPOS="1071" ID="st25-318"/></TextLine><TextLine HPOS="196" VPOS="1097" ID="tl25-29" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="Transport" WIDTH="88" HPOS="196" VPOS="1097" ID="st25-319"/><SP/><String HEIGHT="21" CONTENT="Workers" WIDTH="78" HPOS="292" VPOS="1097" ID="st25-320"/><SP/><String HEIGHT="21" CONTENT="Federation" WIDTH="100" HPOS="378" VPOS="1097" ID="st25-321"/><String HEIGHT="21" CONTENT="(" WIDTH="7" HPOS="485" VPOS="1097" ID="st25-322"/><String HEIGHT="21" CONTENT="ITF" WIDTH="23" HPOS="492" VPOS="1097" ID="st25-323"/><String HEIGHT="21" CONTENT=")" WIDTH="8" HPOS="515" VPOS="1097" ID="st25-324"/><SP/><String HEIGHT="21" CONTENT="with" WIDTH="42" HPOS="530" VPOS="1097" ID="st25-325"/><SP/><String HEIGHT="21" CONTENT="TUMTIS" WIDTH="73" HPOS="580" VPOS="1097" ID="st25-326"/><String HEIGHT="21" CONTENT="(" WIDTH="8" HPOS="660" VPOS="1097" ID="st25-327"/><String HEIGHT="21" CONTENT="Turkey" WIDTH="53" HPOS="668" VPOS="1097" ID="st25-328"/><String HEIGHT="21" CONTENT="’" WIDTH="9" HPOS="721" VPOS="1097" ID="st25-329"/><String HEIGHT="21" CONTENT="s" WIDTH="9" HPOS="730" VPOS="1097" ID="st25-330"/><SP/><String HEIGHT="21" CONTENT="Road" WIDTH="48" HPOS="747" VPOS="1097" ID="st25-331"/></TextLine><TextLine HPOS="196" VPOS="1124" ID="tl25-30" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="Transport" WIDTH="88" HPOS="196" VPOS="1124" ID="st25-332"/><SP/><String HEIGHT="21" CONTENT="Union" WIDTH="49" HPOS="292" VPOS="1124" ID="st25-333"/><String HEIGHT="21" CONTENT=")" WIDTH="10" HPOS="341" VPOS="1124" ID="st25-334"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="351" VPOS="1124" ID="st25-335"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="368" VPOS="1124" ID="st25-336"/><SP/><String HEIGHT="21" CONTENT="Writer" WIDTH="53" HPOS="406" VPOS="1124" ID="st25-337"/><String HEIGHT="21" CONTENT="’" WIDTH="9" HPOS="459" VPOS="1124" ID="st25-338"/><String HEIGHT="21" CONTENT="s" WIDTH="9" HPOS="468" VPOS="1124" ID="st25-339"/><SP/><String HEIGHT="21" CONTENT="Guild" WIDTH="50" HPOS="485" VPOS="1124" ID="st25-340"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="19" HPOS="543" VPOS="1124" ID="st25-341"/><SP/><String HEIGHT="21" CONTENT="America" WIDTH="74" HPOS="570" VPOS="1124" ID="st25-342"/><String HEIGHT="21" CONTENT="-" WIDTH="11" HPOS="644" VPOS="1124" ID="st25-343"/><String HEIGHT="21" CONTENT="West" WIDTH="43" HPOS="655" VPOS="1124" ID="st25-344"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="698" VPOS="1124" ID="st25-345"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="716" VPOS="1124" ID="st25-346"/><SP/><String HEIGHT="21" CONTENT="Soli" WIDTH="33" HPOS="754" VPOS="1124" ID="st25-347" SUBS_TYPE="HypPart1" SUBS_CONTENT="Solidarity"/><HYP CONTENT="-" WIDTH="8" HPOS="787" VPOS="1124" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="1151" ID="tl25-31" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="darity" WIDTH="53" HPOS="196" VPOS="1151" ID="st25-348" SUBS_TYPE="HypPart2" SUBS_CONTENT="Solidarity"/><SP/><String HEIGHT="21" CONTENT="Center" WIDTH="65" HPOS="258" VPOS="1151" ID="st25-349"/><String HEIGHT="21" CONTENT="(" WIDTH="9" HPOS="332" VPOS="1151" ID="st25-350"/><String HEIGHT="21" CONTENT="AFL" WIDTH="29" HPOS="341" VPOS="1151" ID="st25-351"/><String HEIGHT="21" CONTENT="-" WIDTH="10" HPOS="370" VPOS="1151" ID="st25-352"/><String HEIGHT="21" CONTENT="CIO" WIDTH="28" HPOS="380" VPOS="1151" ID="st25-353"/><String HEIGHT="21" CONTENT=")" WIDTH="10" HPOS="408" VPOS="1151" ID="st25-354"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="418" VPOS="1151" ID="st25-355"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="437" VPOS="1151" ID="st25-356"/><SP/><String HEIGHT="21" CONTENT="Food" WIDTH="47" HPOS="477" VPOS="1151" ID="st25-357"/><String HEIGHT="21" CONTENT="&amp;" WIDTH="14" HPOS="533" VPOS="1151" ID="st25-358"/><SP/><String HEIGHT="21" CONTENT="Allied" WIDTH="53" HPOS="556" VPOS="1151" ID="st25-359"/><SP/><String HEIGHT="21" CONTENT="Service" WIDTH="66" HPOS="618" VPOS="1151" ID="st25-360"/><SP/><String HEIGHT="21" CONTENT="Trades" WIDTH="60" HPOS="693" VPOS="1151" ID="st25-361"/><SP/><String HEIGHT="21" CONTENT="De" WIDTH="22" HPOS="762" VPOS="1151" ID="st25-362" SUBS_TYPE="HypPart1" SUBS_CONTENT="Department"/><HYP CONTENT="-" WIDTH="11" HPOS="784" VPOS="1151" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="1177" ID="tl25-32" WIDTH="598" HEIGHT="21"><String HEIGHT="21" CONTENT="partment" WIDTH="89" HPOS="196" VPOS="1177" ID="st25-363" SUBS_TYPE="HypPart2" SUBS_CONTENT="Department"/><String HEIGHT="21" CONTENT="(" WIDTH="9" HPOS="296" VPOS="1177" ID="st25-364"/><String HEIGHT="21" CONTENT="FAST" WIDTH="37" HPOS="305" VPOS="1177" ID="st25-365"/><String HEIGHT="21" CONTENT=")" WIDTH="9" HPOS="342" VPOS="1177" ID="st25-366"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="351" VPOS="1177" ID="st25-367"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="373" VPOS="1177" ID="st25-368"/><SP/><String HEIGHT="21" CONTENT="United" WIDTH="63" HPOS="421" VPOS="1177" ID="st25-369"/><SP/><String HEIGHT="21" CONTENT="Students" WIDTH="83" HPOS="496" VPOS="1177" ID="st25-370"/><SP/><String HEIGHT="21" CONTENT="Against" WIDTH="72" HPOS="591" VPOS="1177" ID="st25-371"/><SP/><String HEIGHT="21" CONTENT="Sweatshops" WIDTH="109" HPOS="675" VPOS="1177" ID="st25-372"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="784" VPOS="1177" ID="st25-373"/></TextLine><TextLine HPOS="196" VPOS="1231" ID="tl25-33" WIDTH="195" HEIGHT="21"><String HEIGHT="21" CONTENT="Acknowledgments" WIDTH="195" HPOS="196" VPOS="1231" ID="st25-374"/></TextLine><TextLine HPOS="196" VPOS="1284" ID="tl25-34" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="The" WIDTH="35" HPOS="196" VPOS="1284" ID="st25-375"/><SP/><String HEIGHT="21" CONTENT="authors" WIDTH="71" HPOS="236" VPOS="1284" ID="st25-376"/><SP/><String HEIGHT="21" CONTENT="would" WIDTH="60" HPOS="312" VPOS="1284" ID="st25-377"/><SP/><String HEIGHT="21" CONTENT="like" WIDTH="32" HPOS="377" VPOS="1284" ID="st25-378"/><SP/><String HEIGHT="21" CONTENT="to" WIDTH="20" HPOS="413" VPOS="1284" ID="st25-379"/><SP/><String HEIGHT="21" CONTENT="thank" WIDTH="54" HPOS="438" VPOS="1284" ID="st25-380"/><SP/><String HEIGHT="21" CONTENT="Shannon" WIDTH="84" HPOS="497" VPOS="1284" ID="st25-381"/><SP/><String HEIGHT="21" CONTENT="Bade" WIDTH="42" HPOS="586" VPOS="1284" ID="st25-382"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="628" VPOS="1284" ID="st25-383"/><SP/><String HEIGHT="21" CONTENT="Cecilia" WIDTH="62" HPOS="644" VPOS="1284" ID="st25-384"/><SP/><String HEIGHT="21" CONTENT="Begham" WIDTH="72" HPOS="711" VPOS="1284" ID="st25-385"/><String HEIGHT="21" CONTENT="," WIDTH="12" HPOS="783" VPOS="1284" ID="st25-386"/></TextLine><TextLine HPOS="196" VPOS="1311" ID="tl25-35" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="Teresa" WIDTH="58" HPOS="196" VPOS="1311" ID="st25-387"/><SP/><String HEIGHT="21" CONTENT="Casertano" WIDTH="92" HPOS="259" VPOS="1311" ID="st25-388"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="351" VPOS="1311" ID="st25-389"/><SP/><String HEIGHT="21" CONTENT="Lance" WIDTH="54" HPOS="367" VPOS="1311" ID="st25-390"/><SP/><String HEIGHT="21" CONTENT="Compa" WIDTH="62" HPOS="427" VPOS="1311" ID="st25-391"/><String HEIGHT="21" CONTENT="," WIDTH="13" HPOS="489" VPOS="1311" ID="st25-392"/><SP/><String HEIGHT="21" CONTENT="Heather" WIDTH="76" HPOS="507" VPOS="1311" ID="st25-393"/><SP/><String HEIGHT="21" CONTENT="Slavkin" WIDTH="65" HPOS="588" VPOS="1311" ID="st25-394"/><SP/><String HEIGHT="21" CONTENT="Corzo" WIDTH="52" HPOS="659" VPOS="1311" ID="st25-395"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="711" VPOS="1311" ID="st25-396"/><SP/><String HEIGHT="21" CONTENT="Angelo" WIDTH="68" HPOS="727" VPOS="1311" ID="st25-397"/></TextLine><TextLine HPOS="196" VPOS="1337" ID="tl25-36" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="DiCristo" WIDTH="72" HPOS="196" VPOS="1337" ID="st25-398"/><String HEIGHT="21" CONTENT="," WIDTH="9" HPOS="268" VPOS="1337" ID="st25-399"/><SP/><String HEIGHT="21" CONTENT="Erin" WIDTH="36" HPOS="282" VPOS="1337" ID="st25-400"/><SP/><String HEIGHT="21" CONTENT="Mahoney" WIDTH="80" HPOS="323" VPOS="1337" ID="st25-401"/><String HEIGHT="21" CONTENT="," WIDTH="12" HPOS="403" VPOS="1337" ID="st25-402"/><SP/><String HEIGHT="21" CONTENT="Dan" WIDTH="38" HPOS="420" VPOS="1337" ID="st25-403"/><SP/><String HEIGHT="21" CONTENT="Mauer" WIDTH="55" HPOS="463" VPOS="1337" ID="st25-404"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="518" VPOS="1337" ID="st25-405"/><SP/><String HEIGHT="21" CONTENT="Patrick" WIDTH="63" HPOS="533" VPOS="1337" ID="st25-406"/><SP/><String HEIGHT="21" CONTENT="O" WIDTH="11" HPOS="601" VPOS="1337" ID="st25-407"/><String HEIGHT="21" CONTENT="’" WIDTH="11" HPOS="612" VPOS="1337" ID="st25-408"/><String HEIGHT="21" CONTENT="Meara" WIDTH="55" HPOS="623" VPOS="1337" ID="st25-409"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="678" VPOS="1337" ID="st25-410"/><SP/><String HEIGHT="21" CONTENT="Arnise" WIDTH="60" HPOS="694" VPOS="1337" ID="st25-411"/><SP/><String HEIGHT="21" CONTENT="Por" WIDTH="28" HPOS="758" VPOS="1337" ID="st25-412" SUBS_TYPE="HypPart1" SUBS_CONTENT="Porter"/><HYP CONTENT="-" WIDTH="9" HPOS="786" VPOS="1337" HEIGHT="21"/></TextLine><TextLine HPOS="196" VPOS="1364" ID="tl25-37" WIDTH="598" HEIGHT="21"><String HEIGHT="21" CONTENT="ter" WIDTH="22" HPOS="196" VPOS="1364" ID="st25-413" SUBS_TYPE="HypPart2" SUBS_CONTENT="Porter"/><String HEIGHT="21" CONTENT="," WIDTH="8" HPOS="218" VPOS="1364" ID="st25-414"/><SP/><String HEIGHT="21" CONTENT="Brandon" WIDTH="79" HPOS="229" VPOS="1364" ID="st25-415"/><SP/><String HEIGHT="21" CONTENT="Rees" WIDTH="38" HPOS="311" VPOS="1364" ID="st25-416"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="349" VPOS="1364" ID="st25-417"/><SP/><String HEIGHT="21" CONTENT="Sandy" WIDTH="56" HPOS="362" VPOS="1364" ID="st25-418"/><SP/><String HEIGHT="21" CONTENT="Rusher" WIDTH="57" HPOS="421" VPOS="1364" ID="st25-419"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="478" VPOS="1364" ID="st25-420"/><SP/><String HEIGHT="21" CONTENT="Grace" WIDTH="55" HPOS="491" VPOS="1364" ID="st25-421"/><SP/><String HEIGHT="21" CONTENT="Sheedy" WIDTH="60" HPOS="548" VPOS="1364" ID="st25-422"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="608" VPOS="1364" ID="st25-423"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="622" VPOS="1364" ID="st25-424"/><SP/><String HEIGHT="21" CONTENT="Damon" WIDTH="69" HPOS="660" VPOS="1364" ID="st25-425"/><SP/><String HEIGHT="21" CONTENT="Silvers" WIDTH="55" HPOS="731" VPOS="1364" ID="st25-426"/><String HEIGHT="21" CONTENT="." WIDTH="8" HPOS="786" VPOS="1364" ID="st25-427"/></TextLine><TextLine HPOS="858" VPOS="217" ID="tl25-38" WIDTH="76" HEIGHT="21"><String HEIGHT="21" CONTENT="Imprint" WIDTH="76" HPOS="858" VPOS="217" ID="st25-428"/></TextLine><TextLine HPOS="858" VPOS="271" ID="tl25-39" WIDTH="532" HEIGHT="21"><String HEIGHT="21" CONTENT="Friedrich" WIDTH="82" HPOS="858" VPOS="271" ID="st25-429"/><String HEIGHT="21" CONTENT="-" WIDTH="9" HPOS="940" VPOS="271" ID="st25-430"/><String HEIGHT="21" CONTENT="Ebert" WIDTH="45" HPOS="949" VPOS="271" ID="st25-431"/><String HEIGHT="21" CONTENT="-" WIDTH="10" HPOS="994" VPOS="271" ID="st25-432"/><String HEIGHT="21" CONTENT="Stiftung" WIDTH="73" HPOS="1004" VPOS="271" ID="st25-433"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1084" VPOS="271" ID="st25-434"/><SP/><String HEIGHT="21" CONTENT="Global" WIDTH="62" HPOS="1095" VPOS="271" ID="st25-435"/><SP/><String HEIGHT="21" CONTENT="Policy" WIDTH="53" HPOS="1163" VPOS="271" ID="st25-436"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="1222" VPOS="271" ID="st25-437"/><SP/><String HEIGHT="21" CONTENT="Development" WIDTH="126" HPOS="1264" VPOS="271" ID="st25-438"/></TextLine><TextLine HPOS="858" VPOS="297" ID="tl25-40" WIDTH="395" HEIGHT="21"><String HEIGHT="21" CONTENT="Hiroshimastr" WIDTH="112" HPOS="858" VPOS="297" ID="st25-439"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="970" VPOS="297" ID="st25-440"/><SP/><String HEIGHT="21" CONTENT="28" WIDTH="25" HPOS="986" VPOS="297" ID="st25-441"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1017" VPOS="297" ID="st25-442"/><SP/><String HEIGHT="21" CONTENT="10785" WIDTH="62" HPOS="1028" VPOS="297" ID="st25-443"/><SP/><String HEIGHT="21" CONTENT="Berlin" WIDTH="53" HPOS="1096" VPOS="297" ID="st25-444"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1155" VPOS="297" ID="st25-445"/><SP/><String HEIGHT="21" CONTENT="Germany" WIDTH="86" HPOS="1167" VPOS="297" ID="st25-446"/></TextLine><TextLine HPOS="858" VPOS="351" ID="tl25-41" WIDTH="391" HEIGHT="21"><String HEIGHT="21" CONTENT="Friedrich" WIDTH="82" HPOS="858" VPOS="351" ID="st25-447"/><String HEIGHT="21" CONTENT="-" WIDTH="9" HPOS="940" VPOS="351" ID="st25-448"/><String HEIGHT="21" CONTENT="Ebert" WIDTH="45" HPOS="949" VPOS="351" ID="st25-449"/><String HEIGHT="21" CONTENT="-" WIDTH="10" HPOS="994" VPOS="351" ID="st25-450"/><String HEIGHT="21" CONTENT="Stiftung" WIDTH="73" HPOS="1004" VPOS="351" ID="st25-451"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1084" VPOS="351" ID="st25-452"/><SP/><String HEIGHT="21" CONTENT="New" WIDTH="43" HPOS="1095" VPOS="351" ID="st25-453"/><SP/><String HEIGHT="21" CONTENT="York" WIDTH="43" HPOS="1144" VPOS="351" ID="st25-454"/><SP/><String HEIGHT="21" CONTENT="Office" WIDTH="56" HPOS="1193" VPOS="351" ID="st25-455"/></TextLine><TextLine HPOS="858" VPOS="377" ID="tl25-42" WIDTH="496" HEIGHT="21"><String HEIGHT="21" CONTENT="747" WIDTH="37" HPOS="858" VPOS="377" ID="st25-456"/><SP/><String HEIGHT="21" CONTENT="Third" WIDTH="48" HPOS="901" VPOS="377" ID="st25-457"/><SP/><String HEIGHT="21" CONTENT="Avenue" WIDTH="66" HPOS="955" VPOS="377" ID="st25-458"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="1021" VPOS="377" ID="st25-459"/><SP/><String HEIGHT="21" CONTENT="34D" WIDTH="39" HPOS="1039" VPOS="377" ID="st25-460"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1084" VPOS="377" ID="st25-461"/><SP/><String HEIGHT="21" CONTENT="New" WIDTH="44" HPOS="1095" VPOS="377" ID="st25-462"/><SP/><String HEIGHT="21" CONTENT="York" WIDTH="38" HPOS="1145" VPOS="377" ID="st25-463"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="1183" VPOS="377" ID="st25-464"/><SP/><String HEIGHT="21" CONTENT="NY" WIDTH="29" HPOS="1199" VPOS="377" ID="st25-465"/><SP/><String HEIGHT="21" CONTENT="10017" WIDTH="62" HPOS="1234" VPOS="377" ID="st25-466"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1302" VPOS="377" ID="st25-467"/><SP/><String HEIGHT="21" CONTENT="USA" WIDTH="41" HPOS="1313" VPOS="377" ID="st25-468"/></TextLine><TextLine HPOS="858" VPOS="431" ID="tl25-43" WIDTH="117" HEIGHT="21"><String HEIGHT="21" CONTENT="Responsible" WIDTH="107" HPOS="858" VPOS="431" ID="st25-469"/><String HEIGHT="21" CONTENT=":" WIDTH="10" HPOS="965" VPOS="431" ID="st25-470"/></TextLine><TextLine HPOS="858" VPOS="457" ID="tl25-44" WIDTH="504" HEIGHT="21"><String HEIGHT="21" CONTENT="Bettina" WIDTH="66" HPOS="858" VPOS="457" ID="st25-471"/><SP/><String HEIGHT="21" CONTENT="Luise" WIDTH="47" HPOS="931" VPOS="457" ID="st25-472"/><SP/><String HEIGHT="21" CONTENT="Rürup" WIDTH="52" HPOS="984" VPOS="457" ID="st25-473"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="1036" VPOS="457" ID="st25-474"/><SP/><String HEIGHT="21" CONTENT="Executive" WIDTH="88" HPOS="1053" VPOS="457" ID="st25-475"/><SP/><String HEIGHT="21" CONTENT="Director" WIDTH="70" HPOS="1147" VPOS="457" ID="st25-476"/><String HEIGHT="21" CONTENT="," WIDTH="9" HPOS="1217" VPOS="457" ID="st25-477"/><SP/><String HEIGHT="21" CONTENT="FES" WIDTH="32" HPOS="1232" VPOS="457" ID="st25-478"/><SP/><String HEIGHT="21" CONTENT="New" WIDTH="43" HPOS="1270" VPOS="457" ID="st25-479"/><SP/><String HEIGHT="21" CONTENT="York" WIDTH="42" HPOS="1320" VPOS="457" ID="st25-480"/></TextLine><TextLine HPOS="858" VPOS="511" ID="tl25-45" WIDTH="460" HEIGHT="21"><String HEIGHT="21" CONTENT="Phone" WIDTH="59" HPOS="858" VPOS="511" ID="st25-481"/><String HEIGHT="21" CONTENT="+" WIDTH="11" HPOS="923" VPOS="511" ID="st25-482"/><String HEIGHT="21" CONTENT="1" WIDTH="11" HPOS="934" VPOS="511" ID="st25-483"/><String HEIGHT="21" CONTENT="-" WIDTH="12" HPOS="945" VPOS="511" ID="st25-484"/><String HEIGHT="21" CONTENT="212" WIDTH="34" HPOS="957" VPOS="511" ID="st25-485"/><String HEIGHT="21" CONTENT="-" WIDTH="12" HPOS="991" VPOS="511" ID="st25-486"/><String HEIGHT="21" CONTENT="687" WIDTH="34" HPOS="1003" VPOS="511" ID="st25-487"/><String HEIGHT="21" CONTENT="-" WIDTH="12" HPOS="1037" VPOS="511" ID="st25-488"/><String HEIGHT="21" CONTENT="0208" WIDTH="46" HPOS="1049" VPOS="511" ID="st25-489"/><String HEIGHT="21" CONTENT="|" WIDTH="5" HPOS="1101" VPOS="511" ID="st25-490"/><SP/><String HEIGHT="21" CONTENT="fax" WIDTH="28" HPOS="1112" VPOS="511" ID="st25-491"/><String HEIGHT="21" CONTENT="+" WIDTH="11" HPOS="1147" VPOS="511" ID="st25-492"/><String HEIGHT="21" CONTENT="1" WIDTH="11" HPOS="1158" VPOS="511" ID="st25-493"/><String HEIGHT="21" CONTENT="-" WIDTH="12" HPOS="1169" VPOS="511" ID="st25-494"/><String HEIGHT="21" CONTENT="212" WIDTH="34" HPOS="1181" VPOS="511" ID="st25-495"/><String HEIGHT="21" CONTENT="-" WIDTH="11" HPOS="1215" VPOS="511" ID="st25-496"/><String HEIGHT="21" CONTENT="687" WIDTH="35" HPOS="1226" VPOS="511" ID="st25-497"/><String HEIGHT="21" CONTENT="-" WIDTH="11" HPOS="1261" VPOS="511" ID="st25-498"/><String HEIGHT="21" CONTENT="0261" WIDTH="46" HPOS="1272" VPOS="511" ID="st25-499"/></TextLine><TextLine HPOS="858" VPOS="537" ID="tl25-46" WIDTH="450" HEIGHT="21"><String HEIGHT="21" CONTENT="www" WIDTH="30" HPOS="858" VPOS="537" ID="st25-500"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="888" VPOS="537" ID="st25-501"/><String HEIGHT="21" CONTENT="fes" WIDTH="31" HPOS="898" VPOS="537" ID="st25-502"/><String HEIGHT="21" CONTENT="-" WIDTH="10" HPOS="929" VPOS="537" ID="st25-503"/><String HEIGHT="21" CONTENT="globalization" WIDTH="133" HPOS="939" VPOS="537" ID="st25-504"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="1072" VPOS="537" ID="st25-505"/><String HEIGHT="21" CONTENT="org/new" WIDTH="71" HPOS="1083" VPOS="537" ID="st25-506"/><String HEIGHT="21" CONTENT="_" WIDTH="10" HPOS="1154" VPOS="537" ID="st25-507"/><String HEIGHT="21" CONTENT="york/index" WIDTH="103" HPOS="1164" VPOS="537" ID="st25-508"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="1267" VPOS="537" ID="st25-509"/><String HEIGHT="21" CONTENT="htm" WIDTH="31" HPOS="1277" VPOS="537" ID="st25-510"/></TextLine><TextLine HPOS="858" VPOS="591" ID="tl25-47" WIDTH="202" HEIGHT="21"><String HEIGHT="21" CONTENT="To" WIDTH="21" HPOS="858" VPOS="591" ID="st25-511"/><SP/><String HEIGHT="21" CONTENT="order" WIDTH="50" HPOS="885" VPOS="591" ID="st25-512"/><SP/><String HEIGHT="21" CONTENT="publications" WIDTH="110" HPOS="941" VPOS="591" ID="st25-513"/><String HEIGHT="21" CONTENT=":" WIDTH="9" HPOS="1051" VPOS="591" ID="st25-514"/></TextLine><TextLine HPOS="858" VPOS="617" ID="tl25-48" WIDTH="171" HEIGHT="21"><String HEIGHT="21" CONTENT="linklaar" WIDTH="76" HPOS="858" VPOS="617" ID="st25-515"/><String HEIGHT="21" CONTENT="@" WIDTH="9" HPOS="934" VPOS="617" ID="st25-516"/><String HEIGHT="21" CONTENT="fesny" WIDTH="48" HPOS="943" VPOS="617" ID="st25-517"/><String HEIGHT="21" CONTENT="." WIDTH="9" HPOS="991" VPOS="617" ID="st25-518"/><String HEIGHT="21" CONTENT="org" WIDTH="29" HPOS="1000" VPOS="617" ID="st25-519"/></TextLine><TextLine HPOS="858" VPOS="671" ID="tl25-49" WIDTH="582" HEIGHT="21"><String HEIGHT="21" CONTENT="Commercial" WIDTH="113" HPOS="858" VPOS="671" ID="st25-520"/><SP/><String HEIGHT="21" CONTENT="use" WIDTH="32" HPOS="977" VPOS="671" ID="st25-521"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="1015" VPOS="671" ID="st25-522"/><SP/><String HEIGHT="21" CONTENT="all" WIDTH="21" HPOS="1041" VPOS="671" ID="st25-523"/><SP/><String HEIGHT="21" CONTENT="media" WIDTH="59" HPOS="1068" VPOS="671" ID="st25-524"/><SP/><String HEIGHT="21" CONTENT="published" WIDTH="91" HPOS="1133" VPOS="671" ID="st25-525"/><SP/><String HEIGHT="21" CONTENT="by" WIDTH="22" HPOS="1230" VPOS="671" ID="st25-526"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="1259" VPOS="671" ID="st25-527"/><SP/><String HEIGHT="21" CONTENT="Friedrich" WIDTH="81" HPOS="1296" VPOS="671" ID="st25-528"/><String HEIGHT="21" CONTENT="-" WIDTH="9" HPOS="1377" VPOS="671" ID="st25-529"/><String HEIGHT="21" CONTENT="Ebert" WIDTH="45" HPOS="1386" VPOS="671" ID="st25-530" SUBS_TYPE="HypPart1" SUBS_CONTENT="EbertStiftung"/><HYP CONTENT="-" WIDTH="9" HPOS="1431" VPOS="671" HEIGHT="21"/></TextLine><TextLine HPOS="858" VPOS="697" ID="tl25-50" WIDTH="580" HEIGHT="21"><String HEIGHT="21" CONTENT="Stiftung" WIDTH="75" HPOS="858" VPOS="697" ID="st25-531" SUBS_TYPE="HypPart2" SUBS_CONTENT="EbertStiftung"/><String HEIGHT="21" CONTENT="(" WIDTH="9" HPOS="939" VPOS="697" ID="st25-532"/><String HEIGHT="21" CONTENT="FES" WIDTH="27" HPOS="948" VPOS="697" ID="st25-533"/><String HEIGHT="21" CONTENT=")" WIDTH="9" HPOS="975" VPOS="697" ID="st25-534"/><SP/><String HEIGHT="21" CONTENT="is" WIDTH="13" HPOS="990" VPOS="697" ID="st25-535"/><SP/><String HEIGHT="21" CONTENT="not" WIDTH="32" HPOS="1010" VPOS="697" ID="st25-536"/><SP/><String HEIGHT="21" CONTENT="permitted" WIDTH="93" HPOS="1048" VPOS="697" ID="st25-537"/><SP/><String HEIGHT="21" CONTENT="without" WIDTH="74" HPOS="1147" VPOS="697" ID="st25-538"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="1227" VPOS="697" ID="st25-539"/><SP/><String HEIGHT="21" CONTENT="written" WIDTH="68" HPOS="1264" VPOS="697" ID="st25-540"/><SP/><String HEIGHT="21" CONTENT="consent" WIDTH="74" HPOS="1338" VPOS="697" ID="st25-541"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="1418" VPOS="697" ID="st25-542"/></TextLine><TextLine HPOS="858" VPOS="724" ID="tl25-51" WIDTH="75" HEIGHT="21"><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="858" VPOS="724" ID="st25-543"/><SP/><String HEIGHT="21" CONTENT="FES" WIDTH="28" HPOS="895" VPOS="724" ID="st25-544"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="923" VPOS="724" ID="st25-545"/></TextLine><TextLine HPOS="193" VPOS="1514" ID="tl25-52" WIDTH="1260" HEIGHT="21"><String HEIGHT="21" CONTENT="The" WIDTH="39" HPOS="193" VPOS="1514" ID="st25-546"/><SP/><String HEIGHT="21" CONTENT="Friedrich" WIDTH="92" HPOS="239" VPOS="1514" ID="st25-547"/><String HEIGHT="21" CONTENT="-" WIDTH="10" HPOS="331" VPOS="1514" ID="st25-548"/><String HEIGHT="21" CONTENT="Ebert" WIDTH="51" HPOS="341" VPOS="1514" ID="st25-549"/><String HEIGHT="21" CONTENT="-" WIDTH="11" HPOS="392" VPOS="1514" ID="st25-550"/><String HEIGHT="21" CONTENT="Stiftung" WIDTH="82" HPOS="403" VPOS="1514" ID="st25-551"/><SP/><String HEIGHT="21" CONTENT="office" WIDTH="59" HPOS="492" VPOS="1514" ID="st25-552"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="19" HPOS="558" VPOS="1514" ID="st25-553"/><SP/><String HEIGHT="21" CONTENT="New" WIDTH="48" HPOS="585" VPOS="1514" ID="st25-554"/><SP/><String HEIGHT="21" CONTENT="York" WIDTH="47" HPOS="640" VPOS="1514" ID="st25-555"/><SP/><String HEIGHT="21" CONTENT="serves" WIDTH="57" HPOS="694" VPOS="1514" ID="st25-556"/><SP/><String HEIGHT="21" CONTENT="as" WIDTH="20" HPOS="758" VPOS="1514" ID="st25-557"/><SP/><String HEIGHT="21" CONTENT="a" WIDTH="11" HPOS="785" VPOS="1514" ID="st25-558"/><SP/><String HEIGHT="21" CONTENT="liaison" WIDTH="60" HPOS="803" VPOS="1514" ID="st25-559"/><SP/><String HEIGHT="21" CONTENT="between" WIDTH="82" HPOS="870" VPOS="1514" ID="st25-560"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="30" HPOS="960" VPOS="1514" ID="st25-561"/><SP/><String HEIGHT="21" CONTENT="United" WIDTH="63" HPOS="998" VPOS="1514" ID="st25-562"/><SP/><String HEIGHT="21" CONTENT="Nations" WIDTH="67" HPOS="1068" VPOS="1514" ID="st25-563"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="1135" VPOS="1514" ID="st25-564"/><SP/><String HEIGHT="21" CONTENT="FES" WIDTH="32" HPOS="1153" VPOS="1514" ID="st25-565"/><SP/><String HEIGHT="21" CONTENT="field" WIDTH="41" HPOS="1192" VPOS="1514" ID="st25-566"/><SP/><String HEIGHT="21" CONTENT="offices" WIDTH="61" HPOS="1240" VPOS="1514" ID="st25-567"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="1308" VPOS="1514" ID="st25-568"/><SP/><String HEIGHT="21" CONTENT="partners" WIDTH="78" HPOS="1351" VPOS="1514" ID="st25-569"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="1436" VPOS="1514" ID="st25-570"/></TextLine><TextLine HPOS="193" VPOS="1541" ID="tl25-53" WIDTH="1260" HEIGHT="21"><String HEIGHT="21" CONTENT="developing" WIDTH="104" HPOS="193" VPOS="1541" ID="st25-571"/><SP/><String HEIGHT="21" CONTENT="countries" WIDTH="87" HPOS="303" VPOS="1541" ID="st25-572"/><SP/><String HEIGHT="21" CONTENT="to" WIDTH="20" HPOS="396" VPOS="1541" ID="st25-573"/><SP/><String HEIGHT="21" CONTENT="strenghten" WIDTH="102" HPOS="422" VPOS="1541" ID="st25-574"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="30" HPOS="531" VPOS="1541" ID="st25-575"/><SP/><String HEIGHT="21" CONTENT="voice" WIDTH="48" HPOS="568" VPOS="1541" ID="st25-576"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="622" VPOS="1541" ID="st25-577"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="648" VPOS="1541" ID="st25-578"/><SP/><String HEIGHT="21" CONTENT="Global" WIDTH="62" HPOS="685" VPOS="1541" ID="st25-579"/><SP/><String HEIGHT="21" CONTENT="South" WIDTH="51" HPOS="753" VPOS="1541" ID="st25-580"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="804" VPOS="1541" ID="st25-581"/><SP/><String HEIGHT="21" CONTENT="It" WIDTH="13" HPOS="821" VPOS="1541" ID="st25-582"/><SP/><String HEIGHT="21" CONTENT="contributes" WIDTH="106" HPOS="840" VPOS="1541" ID="st25-583"/><SP/><String HEIGHT="21" CONTENT="to" WIDTH="20" HPOS="952" VPOS="1541" ID="st25-584"/><SP/><String HEIGHT="21" CONTENT="UN" WIDTH="30" HPOS="978" VPOS="1541" ID="st25-585"/><SP/><String HEIGHT="21" CONTENT="debates" WIDTH="74" HPOS="1014" VPOS="1541" ID="st25-586"/><SP/><String HEIGHT="21" CONTENT="on" WIDTH="24" HPOS="1095" VPOS="1541" ID="st25-587"/><SP/><String HEIGHT="21" CONTENT="economic" WIDTH="91" HPOS="1126" VPOS="1541" ID="st25-588"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="1223" VPOS="1541" ID="st25-589"/><SP/><String HEIGHT="21" CONTENT="social" WIDTH="52" HPOS="1265" VPOS="1541" ID="st25-590"/><SP/><String HEIGHT="21" CONTENT="development" WIDTH="118" HPOS="1324" VPOS="1541" ID="st25-591"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="1442" VPOS="1541" ID="st25-592"/></TextLine><TextLine HPOS="193" VPOS="1568" ID="tl25-54" WIDTH="1260" HEIGHT="21"><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="193" VPOS="1568" ID="st25-593"/><SP/><String HEIGHT="21" CONTENT="on" WIDTH="25" HPOS="235" VPOS="1568" ID="st25-594"/><SP/><String HEIGHT="21" CONTENT="peace" WIDTH="55" HPOS="266" VPOS="1568" ID="st25-595"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="327" VPOS="1568" ID="st25-596"/><SP/><String HEIGHT="21" CONTENT="security" WIDTH="71" HPOS="369" VPOS="1568" ID="st25-597"/><SP/><String HEIGHT="21" CONTENT="issues" WIDTH="52" HPOS="446" VPOS="1568" ID="st25-598"/><String HEIGHT="21" CONTENT="." WIDTH="8" HPOS="498" VPOS="1568" ID="st25-599"/><SP/><String HEIGHT="21" CONTENT="Towards" WIDTH="77" HPOS="513" VPOS="1568" ID="st25-600"/><SP/><String HEIGHT="21" CONTENT="this" WIDTH="33" HPOS="596" VPOS="1568" ID="st25-601"/><SP/><String HEIGHT="21" CONTENT="end" WIDTH="31" HPOS="635" VPOS="1568" ID="st25-602"/><String HEIGHT="21" CONTENT="," WIDTH="11" HPOS="666" VPOS="1568" ID="st25-603"/><SP/><String HEIGHT="21" CONTENT="FES" WIDTH="32" HPOS="683" VPOS="1568" ID="st25-604"/><SP/><String HEIGHT="21" CONTENT="New" WIDTH="43" HPOS="721" VPOS="1568" ID="st25-605"/><SP/><String HEIGHT="21" CONTENT="York" WIDTH="42" HPOS="770" VPOS="1568" ID="st25-606"/><SP/><String HEIGHT="21" CONTENT="annually" WIDTH="79" HPOS="818" VPOS="1568" ID="st25-607"/><SP/><String HEIGHT="21" CONTENT="organizes" WIDTH="90" HPOS="903" VPOS="1568" ID="st25-608"/><SP/><String HEIGHT="21" CONTENT="some" WIDTH="50" HPOS="999" VPOS="1568" ID="st25-609"/><SP/><String HEIGHT="21" CONTENT="30" WIDTH="25" HPOS="1055" VPOS="1568" ID="st25-610"/><SP/><String HEIGHT="21" CONTENT="seminars" WIDTH="79" HPOS="1086" VPOS="1568" ID="st25-611"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="1165" VPOS="1568" ID="st25-612"/><SP/><String HEIGHT="21" CONTENT="conferences" WIDTH="113" HPOS="1181" VPOS="1568" ID="st25-613"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="35" HPOS="1300" VPOS="1568" ID="st25-614"/><SP/><String HEIGHT="21" CONTENT="roundtables" WIDTH="112" HPOS="1341" VPOS="1568" ID="st25-615"/></TextLine><TextLine HPOS="193" VPOS="1594" ID="tl25-55" WIDTH="1260" HEIGHT="21"><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="193" VPOS="1594" ID="st25-616"/><SP/><String HEIGHT="21" CONTENT="regularly" WIDTH="81" HPOS="235" VPOS="1594" ID="st25-617"/><SP/><String HEIGHT="21" CONTENT="publishes" WIDTH="88" HPOS="321" VPOS="1594" ID="st25-618"/><SP/><String HEIGHT="21" CONTENT="briefing" WIDTH="73" HPOS="414" VPOS="1594" ID="st25-619"/><SP/><String HEIGHT="21" CONTENT="papers" WIDTH="63" HPOS="493" VPOS="1594" ID="st25-620"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="561" VPOS="1594" ID="st25-621"/><SP/><String HEIGHT="21" CONTENT="fact" WIDTH="36" HPOS="602" VPOS="1594" ID="st25-622"/><SP/><String HEIGHT="21" CONTENT="sheets" WIDTH="56" HPOS="643" VPOS="1594" ID="st25-623"/><String HEIGHT="21" CONTENT="." WIDTH="10" HPOS="699" VPOS="1594" ID="st25-624"/><SP/><String HEIGHT="21" CONTENT="In" WIDTH="18" HPOS="714" VPOS="1594" ID="st25-625"/><SP/><String HEIGHT="21" CONTENT="addition" WIDTH="74" HPOS="737" VPOS="1594" ID="st25-626"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="811" VPOS="1594" ID="st25-627"/><SP/><String HEIGHT="21" CONTENT="it" WIDTH="13" HPOS="826" VPOS="1594" ID="st25-628"/><SP/><String HEIGHT="21" CONTENT="contributes" WIDTH="106" HPOS="844" VPOS="1594" ID="st25-629"/><SP/><String HEIGHT="21" CONTENT="to" WIDTH="19" HPOS="956" VPOS="1594" ID="st25-630"/><SP/><String HEIGHT="21" CONTENT="a" WIDTH="11" HPOS="981" VPOS="1594" ID="st25-631"/><SP/><String HEIGHT="21" CONTENT="dialogue" WIDTH="82" HPOS="997" VPOS="1594" ID="st25-632"/><SP/><String HEIGHT="21" CONTENT="on" WIDTH="25" HPOS="1084" VPOS="1594" ID="st25-633"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="30" HPOS="1115" VPOS="1594" ID="st25-634"/><SP/><String HEIGHT="21" CONTENT="work" WIDTH="48" HPOS="1151" VPOS="1594" ID="st25-635"/><SP/><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="1204" VPOS="1594" ID="st25-636"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="30" HPOS="1230" VPOS="1594" ID="st25-637"/><SP/><String HEIGHT="21" CONTENT="World" WIDTH="57" HPOS="1266" VPOS="1594" ID="st25-638"/><SP/><String HEIGHT="21" CONTENT="Bank" WIDTH="47" HPOS="1329" VPOS="1594" ID="st25-639"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="1381" VPOS="1594" ID="st25-640"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="1422" VPOS="1594" ID="st25-641"/></TextLine><TextLine HPOS="193" VPOS="1621" ID="tl25-56" WIDTH="463" HEIGHT="21"><String HEIGHT="21" CONTENT="International" WIDTH="121" HPOS="193" VPOS="1621" ID="st25-642"/><SP/><String HEIGHT="21" CONTENT="Monetary" WIDTH="91" HPOS="320" VPOS="1621" ID="st25-643"/><SP/><String HEIGHT="21" CONTENT="Fund" WIDTH="47" HPOS="417" VPOS="1621" ID="st25-644"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="18" HPOS="470" VPOS="1621" ID="st25-645"/><SP/><String HEIGHT="21" CONTENT="Washington" WIDTH="109" HPOS="494" VPOS="1621" ID="st25-646"/><String HEIGHT="21" CONTENT="," WIDTH="10" HPOS="603" VPOS="1621" ID="st25-647"/><SP/><String HEIGHT="21" CONTENT="DC" WIDTH="24" HPOS="620" VPOS="1621" ID="st25-648"/><String HEIGHT="21" CONTENT="." WIDTH="12" HPOS="644" VPOS="1621" ID="st25-649"/></TextLine><TextLine HPOS="193" VPOS="1674" ID="tl25-57" WIDTH="1260" HEIGHT="21"><String HEIGHT="21" CONTENT="The" WIDTH="35" HPOS="193" VPOS="1674" ID="st25-650"/><SP/><String HEIGHT="21" CONTENT="New" WIDTH="43" HPOS="233" VPOS="1674" ID="st25-651"/><SP/><String HEIGHT="21" CONTENT="York" WIDTH="42" HPOS="282" VPOS="1674" ID="st25-652"/><SP/><String HEIGHT="21" CONTENT="office" WIDTH="53" HPOS="329" VPOS="1674" ID="st25-653"/><SP/><String HEIGHT="21" CONTENT="is" WIDTH="14" HPOS="387" VPOS="1674" ID="st25-654"/><SP/><String HEIGHT="21" CONTENT="located" WIDTH="69" HPOS="406" VPOS="1674" ID="st25-655"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="18" HPOS="480" VPOS="1674" ID="st25-656"/><SP/><String HEIGHT="21" CONTENT="close" WIDTH="47" HPOS="503" VPOS="1674" ID="st25-657"/><SP/><String HEIGHT="21" CONTENT="proximity" WIDTH="87" HPOS="555" VPOS="1674" ID="st25-658"/><SP/><String HEIGHT="21" CONTENT="to" WIDTH="20" HPOS="647" VPOS="1674" ID="st25-659"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="672" VPOS="1674" ID="st25-660"/><SP/><String HEIGHT="21" CONTENT="United" WIDTH="63" HPOS="708" VPOS="1674" ID="st25-661"/><SP/><String HEIGHT="21" CONTENT="Nations" WIDTH="72" HPOS="776" VPOS="1674" ID="st25-662"/><SP/><String HEIGHT="21" CONTENT="headquarters" WIDTH="120" HPOS="853" VPOS="1674" ID="st25-663"/><String HEIGHT="21" CONTENT="." WIDTH="11" HPOS="973" VPOS="1674" ID="st25-664"/><SP/><String HEIGHT="21" CONTENT="The" WIDTH="35" HPOS="989" VPOS="1674" ID="st25-665"/><SP/><String HEIGHT="21" CONTENT="office" WIDTH="53" HPOS="1029" VPOS="1674" ID="st25-666"/><SP/><String HEIGHT="21" CONTENT="has" WIDTH="32" HPOS="1087" VPOS="1674" ID="st25-667"/><SP/><String HEIGHT="21" CONTENT="four" WIDTH="40" HPOS="1124" VPOS="1674" ID="st25-668"/><SP/><String HEIGHT="21" CONTENT="permanent" WIDTH="104" HPOS="1169" VPOS="1674" ID="st25-669"/><SP/><String HEIGHT="21" CONTENT="staff" WIDTH="41" HPOS="1278" VPOS="1674" ID="st25-670"/><SP/><String HEIGHT="21" CONTENT="members" WIDTH="87" HPOS="1325" VPOS="1674" ID="st25-671"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="35" HPOS="1418" VPOS="1674" ID="st25-672"/></TextLine><TextLine HPOS="193" VPOS="1701" ID="tl25-58" WIDTH="975" HEIGHT="21"><String HEIGHT="21" CONTENT="provides" WIDTH="79" HPOS="193" VPOS="1701" ID="st25-673"/><SP/><String HEIGHT="21" CONTENT="internships" WIDTH="103" HPOS="278" VPOS="1701" ID="st25-674"/><SP/><String HEIGHT="21" CONTENT="for" WIDTH="27" HPOS="387" VPOS="1701" ID="st25-675"/><SP/><String HEIGHT="21" CONTENT="students" WIDTH="80" HPOS="421" VPOS="1701" ID="st25-676"/><SP/><String HEIGHT="21" CONTENT="specializing" WIDTH="107" HPOS="507" VPOS="1701" ID="st25-677"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="621" VPOS="1701" ID="st25-678"/><SP/><String HEIGHT="21" CONTENT="international" WIDTH="120" HPOS="644" VPOS="1701" ID="st25-679"/><SP/><String HEIGHT="21" CONTENT="affairs" WIDTH="56" HPOS="770" VPOS="1701" ID="st25-680"/><String HEIGHT="21" CONTENT="," WIDTH="8" HPOS="826" VPOS="1701" ID="st25-681"/><SP/><String HEIGHT="21" CONTENT="development" WIDTH="124" HPOS="840" VPOS="1701" ID="st25-682"/><SP/><String HEIGHT="21" CONTENT="and" WIDTH="36" HPOS="970" VPOS="1701" ID="st25-683"/><SP/><String HEIGHT="21" CONTENT="economic" WIDTH="91" HPOS="1012" VPOS="1701" ID="st25-684"/><SP/><String HEIGHT="21" CONTENT="policy" WIDTH="49" HPOS="1110" VPOS="1701" ID="st25-685"/><String HEIGHT="21" CONTENT="." WIDTH="9" HPOS="1159" VPOS="1701" ID="st25-686"/></TextLine><TextLine HPOS="196" VPOS="2005" ID="tl25-59" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="The" WIDTH="35" HPOS="196" VPOS="2005" ID="st25-687"/><SP/><String HEIGHT="21" CONTENT="views" WIDTH="51" HPOS="237" VPOS="2005" ID="st25-688"/><SP/><String HEIGHT="21" CONTENT="expressed" WIDTH="92" HPOS="294" VPOS="2005" ID="st25-689"/><SP/><String HEIGHT="21" CONTENT="in" WIDTH="17" HPOS="392" VPOS="2005" ID="st25-690"/><SP/><String HEIGHT="21" CONTENT="this" WIDTH="33" HPOS="415" VPOS="2005" ID="st25-691"/><SP/><String HEIGHT="21" CONTENT="publication" WIDTH="105" HPOS="454" VPOS="2005" ID="st25-692"/><SP/><String HEIGHT="21" CONTENT="are" WIDTH="29" HPOS="565" VPOS="2005" ID="st25-693"/><SP/><String HEIGHT="21" CONTENT="not" WIDTH="33" HPOS="599" VPOS="2005" ID="st25-694"/><SP/><String HEIGHT="21" CONTENT="necessarily" WIDTH="100" HPOS="637" VPOS="2005" ID="st25-695"/><SP/><String HEIGHT="21" CONTENT="those" WIDTH="52" HPOS="743" VPOS="2005" ID="st25-696"/></TextLine><TextLine HPOS="196" VPOS="2031" ID="tl25-60" WIDTH="288" HEIGHT="21"><String HEIGHT="21" CONTENT="of" WIDTH="20" HPOS="196" VPOS="2031" ID="st25-697"/><SP/><String HEIGHT="21" CONTENT="the" WIDTH="31" HPOS="222" VPOS="2031" ID="st25-698"/><SP/><String HEIGHT="21" CONTENT="Friedrich" WIDTH="81" HPOS="259" VPOS="2031" ID="st25-699"/><String HEIGHT="21" CONTENT="-" WIDTH="9" HPOS="340" VPOS="2031" ID="st25-700"/><String HEIGHT="21" CONTENT="Ebert" WIDTH="45" HPOS="349" VPOS="2031" ID="st25-701"/><String HEIGHT="21" CONTENT="-" WIDTH="9" HPOS="394" VPOS="2031" ID="st25-702"/><String HEIGHT="21" CONTENT="Stiftung" WIDTH="72" HPOS="403" VPOS="2031" ID="st25-703"/><String HEIGHT="21" CONTENT="." WIDTH="9" HPOS="475" VPOS="2031" ID="st25-704"/></TextLine><TextLine HPOS="196" VPOS="2088" ID="tl25-61" WIDTH="599" HEIGHT="21"><String HEIGHT="21" CONTENT="This" WIDTH="37" HPOS="196" VPOS="2088" ID="st25-705"/><SP/><String HEIGHT="21" CONTENT="publication" WIDTH="105" HPOS="242" VPOS="2088" ID="st25-706"/><SP/><String HEIGHT="21" CONTENT="is" WIDTH="14" HPOS="356" VPOS="2088" ID="st25-707"/><SP/><String HEIGHT="21" CONTENT="printed" WIDTH="68" HPOS="378" VPOS="2088" ID="st25-708"/><SP/><String HEIGHT="21" CONTENT="on" WIDTH="25" HPOS="455" VPOS="2088" ID="st25-709"/><SP/><String HEIGHT="21" CONTENT="paper" WIDTH="54" HPOS="489" VPOS="2088" ID="st25-710"/><SP/><String HEIGHT="21" CONTENT="from" WIDTH="45" HPOS="552" VPOS="2088" ID="st25-711"/><SP/><String HEIGHT="21" CONTENT="sustainable" WIDTH="105" HPOS="606" VPOS="2088" ID="st25-712"/><SP/><String HEIGHT="21" CONTENT="forestry" WIDTH="66" HPOS="720" VPOS="2088" ID="st25-713"/><String HEIGHT="21" CONTENT="." WIDTH="9" HPOS="786" VPOS="2088" ID="st25-714"/></TextLine><TextLine HPOS="1303" VPOS="2006" ID="tl25-62" WIDTH="48" HEIGHT="21"><String HEIGHT="21" CONTENT="ISBN" WIDTH="48" HPOS="1303" VPOS="2006" ID="st25-715"/></TextLine><TextLine HPOS="1303" VPOS="2033" ID="tl25-63" WIDTH="190" HEIGHT="21"><String HEIGHT="21" CONTENT="978" WIDTH="33" HPOS="1303" VPOS="2033" ID="st25-716"/><String HEIGHT="21" CONTENT="-" WIDTH="11" HPOS="1336" VPOS="2033" ID="st25-717"/><String HEIGHT="21" CONTENT="3" WIDTH="11" HPOS="1347" VPOS="2033" ID="st25-718"/><String HEIGHT="21" CONTENT="-" WIDTH="12" HPOS="1358" VPOS="2033" ID="st25-719"/><String HEIGHT="21" CONTENT="96250" WIDTH="55" HPOS="1370" VPOS="2033" ID="st25-720"/><String HEIGHT="21" CONTENT="-" WIDTH="12" HPOS="1425" VPOS="2033" ID="st25-721"/><String HEIGHT="21" CONTENT="041" WIDTH="33" HPOS="1437" VPOS="2033" ID="st25-722"/><String HEIGHT="21" CONTENT="-" WIDTH="11" HPOS="1470" VPOS="2033" ID="st25-723"/><String HEIGHT="21" CONTENT="2" WIDTH="12" HPOS="1481" VPOS="2033" ID="st25-724"/></TextLine></TextBlock></PrintSpace></Page></Layout></alto>