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                        <TD><a href="http://www.wsj.com" target=_blank><IMG SRC="http://images.clickability.com/partners/3120/mainLogo.gif" alt="WSJ.com" border="0"></a></TD>
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                <TD colspan="2" class="fontbold"> * Please note, the sender's email address has not been verified.</TD>
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                        This article may be interesting to many of you.<BR><BR>
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                <TD class="fontbold">Click the following to access the sent link:</TD>
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                        <A HREF="http://www.emailthis.clickability.com/et/emailThis?clickMap=viewThis&etMailToID=567708909" style="color:#0066CC" target=_blank>WSJ.com - Commentary: Banking Against Wal-Mart</a><span style="color:#0066CC">*</span>
                        <FONT class="fontbold">This article will be available to non-subscribers of the Online Journal for up to seven days after it is e-mailed.</font>
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                        <TD width="72%" class="fontbold" valign="top"> Get your EMAIL THIS Browser Button and use it to email information from any Web site.</TD>
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                <TD class="font-gr">*This article can also be accessed if you copy and paste the entire address below into your web browser.<br>
                http://online.wsj.com/wsjgate?subURI=%2Farticle%2FSB113633902998337121-email.html&nonsubURI=%2Farticle_email%2FSB113633902998337121-lMyQjAxMDE2MzE2MTMxMzE5Wj.html
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