But the reality is they might not do anything for you until you miss one, two or three payments, as strange as that might sound.

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Bad personnel moves--like the one in 2001 that shipped out point guard Jason Kidd and replaced him with Stephon Marbury--turned the team from a perennial title contender to one that would miss the playoffs two of the next three seasons.

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The last three earnings reports have seen two meets and one miss.

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