One set of tools is essential for life: knives and other hand tools, fire and other tools for clothing and warmth, agricultural tools and transportation tools such as packs, wheels, wagons, harnesses and saddles.

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On the other hand, regulators had tools in place already to deal with these problems and they ignored them thinking the housing market juggernaut would only go up.

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Other important hand to hand weapons tools include the spear, the battleaxe, the pike and the polearm.

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On the other hand, innovation is more than tools and approaches.

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On the other hand, financial services firms are happy to collaborate to create low cost general purpose tools or to share information in a way that benefits all.

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