The improved audio and video playback performance is due to IBM researchers having found a way to partially disengage the error-correcting feature that most hard drives use to regulate the transfer of text-based files, which can interfere with video downloading, the company said.

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The FTC study found that 26% of consumers had a material error on at least one of their three credit reports.

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Nevertheless, the board found "that the incident was regrettable and reflected a serious error of judgment, " the IMF said in a written statement.

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