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Steve Cocheo

Trend good despite higher levels, more nonprime borrowing
Authors seek differences to promote cooperation
Consumers favor debit cards over credit  
Study predicts 50% obsolete by 2020
Local high schools and causes drive pride in plastic
Full recovery as far off as 2017, even under current conditions
Team Capital Bank gains liquidity while staying private
Bank sends officers calling with smiles and cookies
Former Fed Governor Olson assesses industry future
Overall, delinquency rates indicate better behavior
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