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The number of new bank charters has collapsed in recent decades, only 3 were approved between 2012 and 2016, creating real barriers to competition and financial access, particularly in rural and underserved communities

Cigarette companies began advertising in the Journal of the American Medical Association in the early 1930s and continued for decades

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This ignores their autonomy, assumes that their priorities and yours are the same (often they wont be), and risks the reflex response we all have when told to do something