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Today, for everyday transactions, the plastic cards in your wallet still matter, and for many, cash and check remain a regular payment medium. With advances in smartphone technology, the traditional wallet is likely to change; however, over the next 5 to 10 years, payment apps will proliferate. Looking forward, the average consumer might put a half dozen favorite retailers’ apps on their phones. Since most people do not want to clutter their beautiful iPhones with 25 to 30 different apps, some merchants will get this valuable real estate because they offer great promotions or deals

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Greetings, 1. We begin with the energy markets where US crude oil inventories unexpectedly declined, sending prices higher. The Fed’s decision to leave rates unchanged gave crude an additional boost. 2. The next chart shows US oil inventories in terms of barrels as well as days of supply. 3. US crude oil production remains stable –

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