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            _____     _____     ______    _____   
    ___    |  ___||  / ____||  /_   _//  |__  //  
   /   ||  | ||__   / //---`'   -| ||-     / //   
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    -|_||  `-----`    `----`   `-----`   `-----`  
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Text this: The differences between United States and Japanese commercial banks and their implications on interest margin and profitability : evidence from the 90s.