They were able to transfer into Wells Fargo lines with the same interest rate, but were told that the terms could change after April 2012, Mr. Seitz added.

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Xoom represents a fraction of that market, between 2% and 4%, but investors, as well as Xoom's venture-capital backers, are betting customers used to waiting in lines to transfer cash will make the transition online, and that Xoom's market share can grow.

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Instead of generating embryonic stem cell lines via nuclear transfer, Hwang's group produced the stem cells from days-old embryos, a technique that had already been established by James Thomson at University of Wisconsin in 1998.

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Only last year, she said, Egli and Paull and their colleagues demonstrated that the nuclear transfer of eggs cells could generate patient-specific stem cell lines for potential cell replacement therapy to treat diseases like diabetes.

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