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   _____    ______             _    _     ______  
  / ___//  /_   _//     ___   | || | ||  /_   _// 
  \___ \\   -| ||-     /   || | || | ||    | ||   
  /    //   _| ||_    | [] || | \\_/ ||   _| ||   
 /____//   /_____//    \__ ||  \____//   /__//    
`-----`    `-----`      -|_||   `---`    `--`     
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Text this: How costly is financial constraint ?