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For holidays falling on Sunday, all Federal Reserve Banks will be closed the following Monday.
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If a lender has the ability to withdraw payment directly from a borrower's checking account, especially when the lender is able to time the withdrawal to the borrower's payday, the borrower may lose control over the order in which payments are made and may be unable to choose to make essential expenditures before repaying the loan.
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I also give them the CD of all of their photos, which many photographers wont do.