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Steve Cocheo

Broader targets just first step
Activity rises, risk appetite increases
 “End of draw” on risk managers’ radar
Americans splurged, with more credit usage, more spending overall in December
Family farm succession bedevils farms, families, and banks
Community banks make key decisions, get ready for new rules
New wrinkle in investing in banks scores ABA endorsement, offers new capital source
Rising personal credit tide predicted by risk managers
Most wait until December to do major gift buying
Annual Convention: Agency unveils one-page mortgage guide at ABA meeting
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