FILE - In this Monday, Sept. 24, 2012, file photo, a Discover logo is adhered to a window at the entrance of a shop in Cambridge, Mass. Discover Financial Services on Thursday, Dec. 20, 2012 reported higher earnings for its fiscal fourth quarter, as users of its namesake credit card stepped up purchases and the company wrote off fewer unpaid balances. (AP Photo/Steven Senne, File)
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