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	<passage mp3="AUDIO_REPOS/90005.mp3" title="">
		<![CDATA[
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	</passage>
	<distractors>
		<distractor><![CDATA[transact]]></distractor>
		<distractor><![CDATA[borrow]]></distractor>
		<distractor><![CDATA[mortgages]]></distractor>
		<distractor><![CDATA[cautious]]></distractor>
		<distractor><![CDATA[down payment]]></distractor>
		<distractor><![CDATA[restrict]]></distractor>
		<distractor><![CDATA[take out]]></distractor>
		<distractor><![CDATA[balance]]></distractor>
		<distractor><![CDATA[deductions]]></distractor>
		<distractor><![CDATA[accept]]></distractor>
		<distractor><![CDATA[Banks are not only places in which to save money or to transact your financial business, but also institutions from which people can borrow money.]]></distractor>
		<distractor><![CDATA[Every day, people look to banks for loans, such as mortgages for new homes.]]></distractor>
		<distractor><![CDATA[A loan is essentially a contract that binds the lender to a schedule of payments, so both parties should be cautious and not enter into the arrangement without thinking.]]></distractor>
		<distractor><![CDATA[Banks will look at such factors as how much people have saved towards a down payment in determining whether to make a loan.]]></distractor>
		<distractor><![CDATA[Banks have different kinds of accounts.]]></distractor>
		<distractor><![CDATA[Some pay high quarterly dividends.]]></distractor>
		<distractor><![CDATA[Some accounts even severely restrict the number of times, if any, that you can access your account, or the amount of cash you can take out.]]></distractor>
		<distractor><![CDATA[Today, electronic banking can be used to check the balance on an account, or to see if automatic deductions have been made.]]></distractor>
		<distractor><![CDATA[This can all be done from your home or office computer.]]></distractor>
		<distractor><![CDATA[When you go to the bank, be sure to bring identification.]]></distractor>
		<distractor><![CDATA[Usually a bank will only accept a photo ID; a signature is not a valid ID.]]></distractor>
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