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We’ve all felt the reverberations of the economic downturn. For the most part, the collapse of the financial markets resulted in disastrous consequences to the broader economy. While the most visible affects have been extremely negative, the reality is that the ongoing impact of the downturn can be classified across the spectrum. Believe it or not, there are even some positive changes that continue to influence the way banks and financial institutions conduct business. Here’s my take on a few of the major impacts to date.

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