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Treasury Secretary Janet Yellen speaks at the Treasury Department in Washington, Jan. 10, 2023. The federal government is on track to max out on its $31.4 trillion borrowing authority as soon as this month. That starts the clock on an expected standoff between President Joe Biden and the new House Republican majority. (AP Photo/Carolyn Kaster, File)

Treasury Secretary Janet Yellen speaks at the Treasury Department in Washington, Jan. 10, 2023. The federal government is on track to max out on its $31.4 trillion borrowing authority as soon as this month. That starts the clock on an expected standoff between President Joe Biden and the new House Republican majority. (AP Photo/Carolyn Kaster, File)

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