________________________________________
/ A banker is a fellow who lends you his \
| umbrella when the sun is shining and   |
| wants it back the minute it begins to  |
| rain.                                  |
|                                        |
\ -- Mark Twain                          /
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        \   ^__^
         \  (oo)\_______
            (__)\       )\/\
                ||----w |
                ||     ||