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Excise tax looms in 2018; state exchanges arrive sooner.
U.S. business loans grew at highest rate since 2008 in Q3.
$5 bln set aside to help pay for health insurance for early retirees almost gone.
Lenders to Paris-based company seek higher rate on five-year credit facility.
Delinquencies may rise as $19 bln of commercial mortgages starts to mature.
Biggest increase in the company's payout in 20 years follows record profit.