Lib Dem MP Julian Huppert said the report was "humiliating" and suggested the UKBA had "lost control" of its own procedures.

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In recent months, sales and profit took another dip, as Americans lost their insurance or put off medical procedures in a crummy economy.

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Some banks also treat lost or stolen goods using the same procedures as in-store credit card fraud, requiring retailers to replace a missing item or face a transaction dispute.

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