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Ready or not, the Single Euro Payments Area is coming. And if you think there was a lack of specificity about Sarbanes-Oxley, wait until you deal with SEPA. “The politicians are running it,” notes Cleveland-based treasury consultant Mark Webster. “There are lots of directives, but few specific regulations ready to go. The banks are behaving badly. The French are dragging their feet. The British banks have their own ideas. The goal is wonderful, but there will be chaos in the short run.”

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