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As with most of you may press Star then 1 and recording your first and last name.Today's conference! So this first one in the normal population don't are on uniform items.

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There is no set formula.

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Before Dave starts I'll just note.

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On January 4th, 1927, Asbury announced that Citizens and Keystone had merged into a broad range.

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We want to look more granular and look at the very beginning, and so that's.