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Associated Press
FILE - In this Feb. 29, 2012 file photo, a view of the Stockton waterfront is seen from the Waterfront Hotel in Stockton, Calif. Stockton, the California city with the second-highest foreclosure rate in the nation, is facing a moment of decision on whether to become the biggest American city to file for bankruptcy, as the deadline for talks between the city and its creditors approaches late Monday. (AP Photo/Ben Margot, file)

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