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Principally reflects severance and department closure rates connected with our restructuring programs. We only incorporate these types of fees that happen to be A part of a restructuring program as restructuring expenses. The specified restructuring packages frequently involve the closure of a lot of branches above a short stretch of time, generally in durations following a major more info acquisition, and result in significant costs that we wouldn't Ordinarily incur absent An important acquisition or other triggering celebration that ends in the initiation of a restructuring plan.
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