These forward-looking statements involve risks and uncertainties that include, among others, risks related to competition, management of growth, new products, services and technologies, potential fluctuations in operating results, international expansion, outcomes of legal proceedings and claims, fulfillment center optimization, seasonality, commercial agreements, acquisitions and strategic transactions, foreign exchange rates, system interruption, inventory, government regulation and taxation, payments and fraud.

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These forward-looking statements involve risks and uncertainties that include, among others, risks related to competition, management of growth, new products, services and technologies, potential fluctuations in operating results, international expansion, outcomes of legal proceedings and claims, fulfillment center optimization, seasonality, commercial agreements, acquisitions and strategic transactions, foreign exchange rates, system interruption, indebtedness, inventory, government regulation and taxation, payments and fraud.

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It functioned through the financial crisis, and the Federal Reserve would probably work hard to avoid any interruption, given its importance to the banking system.

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Remittances from overseas workers make up a tenth of the Philippines' economy, and are important enough to have forced the pace of anti-money laundering reforms to avoid risking any interruption to the flow of money from overseas through the banking system.

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The reporting system detects when the system has changed and then calculates how much has been saved or what the interruption was to illustrate the savings that were generated.

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