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Officials must resolve a $13 bln funding gap.
Short-term rates inch up in Fed twist to lowering long-term costs.
Countries' differences echo debt-crisis stalemate.
Investors fret cost of move will mean more debt, ratings downgrade.
Europe's budget meeting tomorrow may also come to naught, given disagreements among member countries.
Fed Chairman reiterates urgency of situation, calls for cooperation and decisiveness.
