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Lines of Business
SNL Report: Pricing varies significantly based on workload, innovation, history
Broader targets just first step
SNL Report: Expansion hinges on economic growth
Poor account analysis erodes your bank’s independent future
 “By the book” avoids headaches and heartaches
Balance skepticism, curiosity, and awareness
An idea you will sniff at, plus a challenge

Commercial platforms make serving small businesses profitable

--> Commercial platforms make serving small businesses profitable
Regulators increase scrutiny of social media for marketing
Only one third of consumers say they really grasp mortgage features
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