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Associated Press
Federal Reserve Chairman Ben Bernanke addresses a luncheon gathering of The Economic Club of New York, in New York,  Tuesday, Nov. 20, 2012.  Bernanke on Tuesday urged Congress and the Obama administration to strike a budget deal to avert tax increases and spending cuts that could trigger a recession next year. Without a deal, the measures known as the "fiscal cliff" will take effect in January. (AP Photo/Richard Drew)

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