This would include any transactions paid by check, cash, credit card, transfer of stocks, bonds, or other financial instrument.

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In June, GM said it will offer 42, 000 white-collar retirees in the U.S. a lump-sum payment in lieu of their monthly pension check and will transfer pension responsibility for 76, 000 others to a group annuity plan managed by Prudential Insurance.

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Unfortunately, one of the ways that listeners check out a space audibly is by making small, unconscious head movements, which head-related transfer functions cannot imitate.

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