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FILE - In this Tuesday, Dec. 11, 2012 file photo, specialist Christian Sanfilippo works on the floor of the New York Stock Exchange, in New York. Despite many challenges, 2012 turned out to be a surprisingly good year for stocks. The Dow Jones industrial average, the Standard & Poor’s 500 and the Nasdaq composite index will all end the year substantially higher, despite losing ground in the final days of the year as concerns about the looming fiscal cliff mount. (AP Photo/Richard Drew, File)