The authorities say the normal monthly level of snow fell in just 24 hours.

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Of course I put all my normal monthly expenses into my annual plan, but I debate those too.

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Authorities say some areas had as much as 300mm of rain in 24 hours, whilst the normal monthly average for this time of year is around 270mm.

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Besides the Midwest and Rocky Mountain region, coastal states have also felt the heat of late: New Jersey, for instance, has experienced 16 straight months (not including data from June) in which average monthly temperatures measured above normal.

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This number reflects both the normal principal repayments that come with monthly amortization and the irregular dollops of principal that come when a mortgage is paid off early.

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It is a six-monthly handing over of the baton that elicits no excitement at all in normal circumstances, but these days the circumstances are not quite normal.

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The other metric that we follow very closely is credit spreads, and this is the difference between the yield between the sub-investment-grade bonds and the ten-year Treasuries, where the recent monthly returns in the stock market is favorable, when credit spreads are normal, compared to when spreads are very wide.

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When looking at the average monthly returns over the past decade, you can see that short-term setbacks are normal throughout the year.

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