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Far from the plea for help he had been expecting, the pitch he was hearing struck him as a reverse takeover: Bank of America would be paying Fuld to run its investment banking franchise for it. And Secretary Paulson offered perspective on that.

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This would prove helpful later when I would need to work closely with people like John Dugan, the comptroller of the currency, whose office oversaw national banks and who reported to me on policy and budget matters. A record 21 million young adults between ages eighteen and thirty-one are living with their parents.

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