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Finally it is done. In the middle of July, in a 60 to 39 vote, the Senate passed the overhaul of the financial system after nearly a year of debate that often descended into politically-charged rhetoric. At more than 2,300 pages the bill is mammoth—and little wonder. It takes apart and then re-makes the nation’s financial infrastructure. Most financial transactions, from a routine charge on a credit card to the most complex risk-hedging techniques multinational companies use, will at some level be impacted by the bill. The same is true for investors in distress debt, who may find more opportunities to invest as regulators clamp down even harder on certain lending and asset-valuation practices. 

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