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<http://www.providencejournal.com/apps/pbcsi.dll/bilde?Site=PJ&amp;Date=20131221&amp;Category=OPINION&amp;ArtNo=312219965&amp;Ref=AR>
<http://www.providencejournal.com/opinion/letters-to-the-editor/20131221-peter-j.-bonacich-i-m-not-buying-explanation-for-rate-hike.ece>