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The charge, buried in a recent regulation, works out to tens of millions of dollars for the largest companies, employers say.
White House, congressional staff face a not-so-jolly holiday at their desks.
Manipulation flourished for years, even after bank supervisors were notified.
Carriers' balance sheets are strong, analysts say, so property and casualty rates will continue moderate rise in 2013.
Fed moves into uncharted territory by tying its rate outlook to unemployment and inflation.
