This past April, for example, automotive parts supplier Delphi added a window as it cut the funds offered in its 401(k) from 38 (including 11 target date funds) to just 22 (including 11 target funds).

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After rescuers cut a window-size opening in the concrete wall, Chatman climbed in to help apply the soapy substance.

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The other process, still in use, is to cut a window in an old well's steel casing and then drill horizontally into the oil zone.

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