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With the latest possible PoD, how can the 1998 merger between Citicorp and Traveler's Insurance be prevented (or at least delayed a few years)? If such a merger, and the needed exemption granted by Federal Reserve, would this have been enough to stop the Gramm–Leach–Bliley Act from passing under Clinton? If so, could Glass-Steagall's division of banking and investment have continued to today? And given the answers to all these questions, how would the businesses, the US economy, the world, et el, be affected?
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