This year, she says, Fidelity began offering companies the ability to extend auto-escalation as a default to all workers, not just new hires.

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Only about 1% of the loans originated in 2011 and packaged into auto asset-backed securities are expected by Fitch to default, compared with 2.6% of the loans in auto deals originated in 2007, Mr. Bella said.

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By default Synergys is set up to auto-launch when your user name logs in.

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Yes, I know there are settings to allow for things like auto-save, but why are the default settings for applications often designed to punish users who don't follow the programmers' rules or understand the interface?

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