"Anytime the government can't or won't provide money, people have used scrip, " says Neil Shafer, a researcher and author of catalogs of scrip and money-substitutes.

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Pendant lights lighting that hangs from a wire or pole suspended over kitchen islands or breakfast room tables are a great way to make a statement, says Thomas Shafer, a principal of Grunsfeld Shafer Architects in Evanston, Ill.

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Steve Shafer, chief investment officer at Covenant Global Investors, counts both JPMorgan and Wells Fargo among his holdings, but says he is less concerned about short-term data points like a single quarter of earnings than he is with sound management and a positive earnings trajectory over a longer period.

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