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 _    _      ___      _____      ___     _    _   
| |  | ||   / _ \\   / ____||   / _ \\  | \  / || 
| |/\| ||  | / \ || / //---`'  / //\ \\ |  \/  || 
|  /\  ||  | \_/ || \ \\___   |  ___  ||| .  . || 
|_// \_||   \___//   \_____|| |_||  |_|||_|\/|_|| 
`-`   `-`   `---`     `----`  `-`   `-` `-`  `-`

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Text this: How costly is financial constraint ?