** FILE ** In this May 11, 2012, file photo, people stand in the lobby of JPMorgan Chase headquarters in New York. Moody's Investors Service on Thursday, June 21, 2012, lowered the credit ratings of 15 the world's largest banks late Thursday, including JPMorgan Chase, Bank of America, and Goldman Sachs, saying their long-term prospects for profitability and growth are shrinking. (AP Photo/Mark Lennihan, File)
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