FILE - In this Thursday, Nov. 27, 2014, file photo, a woman pays for merchandise at a Kohl's department store in Sherwood, Ark. A recent poll by The Associated Press-NORC Center for Public Affairs Research found that two-thirds of Americans would have difficulty coming up with the money to cover a $1,000 emergency. But having a modest, immediately accessible emergency fund is critical to financial well-being. (AP Photo/Danny Johnston, File)
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