To people who paid into the program for their entire lives, it is a cut -- plain and simple.

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Ring mounted with a heart-shaped diamond weighing 2 carats to the tapered baguette-cut diamond shoulders with plain hoop.

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Hopes of an interest-rate cut had faded as the Federal Reserve made it plain that inflation, still stubbornly high, topped its list of worries.

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When the recession came, however, businesses cut production, laid off staff, and in some cases plain went out of business.

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