Smaller banks will either lose customer accounts to larger banks or lose revenue that is used to support free checking and other valuable services.

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In addition to the free rides, Nares' nonprofit provides support services and assistance to its clientele, many of whom do not speak English.

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Inside, they are greeted by a concierge-like Help Desk of about a dozen support personnel, whose services include occasional free hugs.

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The free version has no email capability, and the app doesn't support common file-transfer services like Dropbox or SugarSync.

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And given the importance of maintaining American support for talks to liberalise trade in financial services, to expand the North American Free-Trade Agreement and to bring China into the World Trade Organisation, an upsurge of Japan-bashing and anti-import rhetoric in Washington would quickly affect the rest of the world.

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