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8 billion in the comparison reflecting higher average balances on deposit with all the Federal Reserve Bank in fourth quarter 2015 in part because of regulatory short-term liquidity standards phased in starting January 1, 2015. 50 million to the quarter, in comparison to the consensus estimate of $73. For the 365 day, ending December, wages are projected to decline 2. 54 depending on our expectations for slightly stronger margins as interest levels rise.

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