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Associated Press
Federal Reserve Chairman Ben Bernanke appears before the House Financial Services Committee to deliver his  twice-a-year report to Congress on the state of the economy, Wednesday, July 18, 2012. Bernanke sketched a bleak picture of the U.S. economy yesterday at the Senate Banking Committee warning it will darken further if Congress doesn't reach agreement soon to avert a budget crisis.  (AP Photo/J. Scott Applewhite)

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