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A family without enough re-examines every need, scales back as much as possible and tries to bring in more money somehow.
Lawmakers reached a compromise in the Extension Act, which keeps the TRIA program going for another two years, but scales back the government's exposure.
Spreads and margins on banking transactions in these markets might in the short run increase somewhat as a major competitor scales back, just as such spreads narrowed when the Japanese banks expanded their activities.