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According to international practice, for the organization of micro-credit programs in the bank can be used three approaches: 1) direct bank micro-credit; 2) separating the micro-credit program in a specially created subsidiary bank; 3) "wholesale" bank lending existing

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institutions microfinance. The military almost totally demobilized in the years immediately after 1945 even though the draft remained in place until 1973, when an all-volunteer military came into being following almost a decade of protests against the war in Vietnam.68 points, its biggest one-day point ever drop.

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