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FILE - In this file photo taken Jan. 13, 2011, the IBM logo is displayed on hardware for an IBM computer known as "Watson" in Yorktown Heights, N.Y., after a practice round of the "Jeopardy!" quiz show. IBM will begin making lump-sum matching contributions to employees' 401(k) accounts on an annual basis, rather than contributing each time a worker gets a paycheck, the company announced Friday, Dec. 7, 2012. It's a move that will help the technology company cut retirement benefits costs. (AP Photo/Seth Wenig, File)