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The trend is part of far-reaching changes in the way customers bank and borrow. Most lenders still make use of traditional information kept on file by agencies such as Experian and Equifax, but they are increasingly likely to incorporate other information into their decisions as well.
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Later that year, a raucous party at his house in Santa Clara County ended with him being stabbed and two others shot. He is facing a civil lawsuit from one shooting victim and possible criminal charges after assault rifles were found in the home. The rifles were purchased legally in Arizona, but Smith failed to modify them to adhere to California's stricter laws.
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The two South Carolina families were so close that some thought their children were brothers and sisters. They were so close that they wanted to spend 10 days together on an adventure into the Alaskan wilderness.
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“It’s a lot easier to give Matsuyama a one-shot penalty than it is to give Tiger Woods or Lee Westwood a one-shot penalty in this situation,” said the former US Ryder Cup captain.
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Lauren appeared in a figure hugging black dress that showed off her 10-week bump. The meeting came as he learnt his wife was said to “be in love” with Cowell and after her divorce is finalised she wants to tie the knot with the multimillionaire.

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"Ben Bernanke's still there and he's doing a fine job," Obama said. "This is one of the most important appointments that I make, other than the Supreme Court. So, no, the shutdown's not slowing down the vetting."
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Add up the batting averages of England’s top seven at Trent Bridge, for instance. It comes to 305. Australia’s, before the match, was 236. England’s main batsmen are more than 10 runs per man better than Australia’s. That adds up to 140 runs over two innings of a Test. That is a substantial advantage on paper.
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The German leader called Obama on Wednesday about the issue, forcing him to assure a European leader for the second time this week that the United States had not overstepped boundaries in its eavesdropping programs.
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— Rodriguez's newest lawyer, Joseph Tacopina, accused the Yankees of botching the slugger's medical care last postseason when the three-time MVP was benched and pinch hit for during a pitiful playoff performance. Rodriguez had left hip surgery in January.
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For sure, he’s not alone, with the likes of former Secretary of State Henry Kissinger weighing in similarly. Israeli Prime Minister Benjamin Netanyahu asked that Pollard be released in 1998, prompting CIA Director George Tenet to threaten to quit if Clinton agreed.

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President Barack Obama met with Republican and Democraticleaders in Congress late on Wednesday to break the budgetdeadlock. But even with wide swaths of the government idle,there was no breakthrough and each side continues to blame theother for the impasse. Obama's healthcare law is at the centerof the dispute.
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“Saving money with preventative care is huge,” Hanson said. “If you do not take care of your dog’s teeth, it can lead to significant kidney disease, significant heart failure.”
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Britain, the bloc's largest financial centre, and 15 otherEU member states refused to support the transaction tax proposalraising questions about how it would work with only some membersparticipating.
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I grew up rooting for the Giants and still root for the Giants and especially root for this coach and this quarterback, because of the run they have given all of us over the past five or six years. They have given us too much, way too much, to give up on them after six games like this, every one of them winnable except the game in Carolina.
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Chemist Dudley Herschbach, winner of the 1986 Nobel Prize for Chemistry, holds an Ig Nobel Prize during the 23rd First Annual Ig Nobel Prize ceremony at Harvard University in Cambridge, Massachusetts on Thursday, Sept 12, 2013. -- PHOTO: REUTERS

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After New Zealand narrowly avoided catastrophe on Saturday with a near-capsize that cost it the race, Sunday's matches were among the most thrilling in yacht-racing history. The two supercharged AC72s dueled neck and neck in the second race, changing leads four times, an America's Cup record, before New Zealand eked out a 17-second victory.
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Since acquiring the ING insurance piece, Li has forged aheadwith expanding the business and is among the suitorsshort-listed to buy a 70 percent stake in Malaysian lender AMMBHoldings Bhd's life insurance business.
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Retaining the 6-10 Tyler can be viewed as a risk because he’s still recovering from foot surgery and isn’t ready to play. Moreover, front court depth could become an issue considering Amar’e Stoudemire’s medical history plus the fact that Kenyon Martin, recovering from an ankle injury, has yet to play in the preseason. Woodson said on Wednesday that Stoudemire and Martin could play on Friday pending how they respond in Thursday’s practice.
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One thing’s for sure — all of these possibilities seem more likely than Dexter finding peace in Argentina. And Michael seems to agree. “I think a happy ending would be that Dexter somehow finds himself released from his compulsion,” Michael told us, before unfortunately adding, “I don’t know if it’s realistic. Things have happened that have taught him that that’s not a possibility.”
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If there is any silver lining, Moss said, it is that before Snowden's leaks, it had been impossible to have an informed discussion about how to balance security and civil liberties without real knowledge of government practices.
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Koji Karaike, president of the Kyushu Railway Company, enthused over some of the train’s features: showers lined with aromatic hinoki cypress wood, ceramic sinks inspired by Satsuma porcelain, bamboo blinds and shoji, Japanese paper screens.
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“We know driving standards are also a concern to motorists as our 2013 motoring report highlights that 56% of drivers surveyed say they have noticed a discernible slip in compliance with motoring laws and 64% say aggressive driving is among the top five causes of stress.
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In a surprise appearance Friday in the White House briefingroom, the president explained in personal terms his reaction tothe shooting death of the 17-year-old Martin by Zimmerman, aFlorida neighborhood-watch volunteer.

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The heavy fighting between Congo's army and the M23 rebels resumed Monday after erupting Sunday afternoon following the arrival from Rwanda of more than 100 armed men disguised in women's clothing, say residents.
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Lacroix, 44, spent the past three seasons an assistant with the Tampa Bay Lightning, and prior to spending the 2009-10 season in the AHL, he also was an assistant for three seasons with the Islanders. The former winger out of Montreal, Quebec native was a second-round draft pick (31st overall) of the Rangers in 1987 and played in 188 NHL games over seven seasons with the Rangers, Bruins, Flyers, Oilers and Islanders.
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Reich has a good sense of humor, as is virtually required of an adult who's less than 5 feet tall — he has Fairbanks disease, the same condition that accounts for Danny DeVito's stature — so he's pretty much guaranteed a laugh when he hops to his feet and asks if he looks like an advocate of "big government."
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While the Hemphill family had an easy time divesting - they say it took a five-minute conversation with their financial adviser - the process can be a lot more complicated when the investments are in mutual funds.
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"We believe this suit is without merit and we intend to vigorously contest it," a Goldman Sachs spokesman said. "I would also note that aluminum prices are down 40 percent from their peak in 2006," he said.

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"She doesn’t want help to leave her family; she just wants to not be pregnant, now. When politicians like Sarah Wollaston, the Conservative MP, say that ‘selective abortion of baby girls harms women’, do they really intend that this woman should be sent back home to face the consequences?
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Shares of Ameriprise Financial Inc were unchanged inextended-hours trading after the company reported astronger-than-expected rise in second-quarter profit. Thecompany credited its wealth management business with driving itsresults. The stock ended the regular session at $86.24, down 0.5percent.
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The seventh of nine children of Lebanese immigrants, Helen Amelia Thomas was born on August 4 1920 in Winchester, Kentucky. When she was four her parents moved to Detroit and, after a spell working on the student newspaper at the city’s Eastern High School, she determined to become a reporter.
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"If it turns out that the offering is not successful, thenyou've now told the world, 'Hey, we tried to raise money and wecouldn't,'" said Gregory Yadley, a partner at Shumaker, Loop &Kendrick who serves on the panel.
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-- the Special Resolution necessary to implement the Scheme and to sanction the Capital Reduction, as set out in the Notice of the Abbey Protection General Meeting, is passed by the requisite majority of Abbey Protection Shareholders at the Abbey Protection General Meeting (or at any adjournment thereof);

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A jumpsuit is the must-have buy of the season, and we love the sharply tailored fit of Lucy's, with its shawl lapel, pleated front and belted waistline. And although you can't see it here, a quick spin also reveals the back is sheer - that's another trend ticked off the list too.
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“It’s nuts and sick and stalkerish,” Michael tells Confidenti@l, revealing that he no longer speaks to Horn. “What mother would let her 18-year-old daughter get surgery like that? And she’s hotter than Lindsay? Are you kidding me? Lindsay doesn’t need plastic surgery.”
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Never could these politicians even faintly emulate the honor, fealty to duty and reverence for the higher calling of America that are displayed far and wide everyday, under life-and-death circumstances. These politicians are soulless, heartless and plain lousy.
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In a pair of notices published in the Federal Register onFriday, the department announced it has "tentatively determined"that computers and servers should be treated as covered consumerproducts under the Energy Policy and Conservation Act (EPCA).
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“I’m not afraid of the reality,” Cashman said. “None of the people here are afraid of the reality. We recognize there are some challenges that we have to deal with — and we’re up for that challenge. But I can’t tell you at the same time, ‘Don’t worry, it’s going to be fine.’ It’s going to take some time.”

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Attempts at self-regulation have not resolved the problems faced by pubco tenants. Most licensee organisations refused to back this system, which was set up by the pubcos’ own lobbyists, the British Beer & Pub Association, and was devised to avoid the fundamental issue – the endemic overcharging.
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The rapper says: "I appreciate that but don't talk. Don't talk to me. I don't want to hear paparazzi talk to me or anybody I know. Don't talk to me at all and don't talk to anyone I know at all and tell everybody, never talk to anyone that anyone knows. Don't talk to themselves, don't talk ever again."
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The monthly fashion magazine is drawing criticism for its portrayal of November cover girl Melissa McCarthy, who fronts the annual “Women in Hollywood” issue. While alternate covers of the issue feature Reese Witherspoon in a bodycon Versace cut-out dress and Shailene Woodley in a bathing suit and sneakers, McCarthy is bundled up in a figure-concealing coat, a look that some say is pure sizeism.
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"For the industry to simply maintain the size of its customer base in Ireland, it is estimated that 50 Irish children have to start smoking every single day. We know that half of them will ultimately die from their addiction," he pointed out.
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North Korean leader Kim Jong-un has ordered his country's military to be on standby for combat, the head of the South's National Intelligence Service said in a report to parliament, according to Yonhap news agency.
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Some 31 trusts showed declining scores from the previous year, although the effect was only small. Meanwhile, 31 trusts showed significant improvements across 10 or more questions compared to the previous year and 40 had smaller improvements.
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The teachers throughout southern Mexico have been fighting against the reforms all year, marching on Mexico City, striking at home and fighting with state officials. Rioting teachers attacked and burned government and political party offices in the Guerrero state capital of Chilpanincingo in April after legislators approved the reforms.
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Activision Blizzard plans to buy back 429 million shares for about $5.8 billion from French media company Vivendi. Two company executives and a group of investors -- including China's largest internet company Tencent -- will purchase another block of 172 million shares for $2.3 billion.