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Federal Reserve Chairman Ben S. Bernanke speaks during a news conference in Washington on Thursday, Sept. 13, 2012, following the Federal Open Market Committee meeting to present the FOMC's current economic projections and to provide additional context for the FOMC's policy decision. (AP Photo/Manuel Balce Ceneta)
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Walking with House Speaker John Boehner, R-Ohio, right, Rep. Paul Ryan, R-Wis., the Republican vice presidential candidate, returns to Capitol Hill to vote on a stopgap spending bill that avoids a government shutdown but carries a price tag $19 billion higher than the budget he wrote as chairman of the House Budget Committee, in Washington, Thursday, Sept. 13, 2012. (AP Photo/J. Scott Applewhite)
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Trader Warren Meyers reacts to the announcement by the Federal Reserve as he watches a television screen on the floor of the New York Stock Exchange on Thursday, Sept. 13, 2012, in New York. (AP Photo/Richard Drew)
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House Intelligence Committee Chairman Rep. Mike Rogers (top center), Michigan Republican, and the committee's ranking Democrat, Rep. C.A. "Dutch" Ruppersberger (left), Maryland Democrat, question executives of two major Chinese technology companies Sept. 13, 2012, on Capitol Hill in Washington as lawmakers probe whether China's fast-growing expansion in the U.S. hi-tech market pose a threat to national security. (Associated Press)
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Fed Chairman Ben S. Bernanke spotlighted chronic high unemployment in a speech in Jackson Hole, Wyo., late last month. Mr. Bernanke argued that unorthodox Fed actions have helped ease borrowing costs and boosted stock prices. (Associated Press)
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**FILE** Phil Schiller, Apple's senior vice president of worldwide marketing, watches on stage Sept. 12, 2012, the unveiling of the new iPhone 5 at an Apple event in San Francisco. (Associated Press)
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**FILE** Federal Reserve Chairman Ben Bernanke speaks Aug. 7, 2012, to educators in the board room of the Federal Reserve in Washington during a town hall meeting. (Associated Press)
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Greek municipal workers protest Sept. 12, 2012, against the new austerity measures in central Athens. A fresh wave of anti-austerity strikes hit Greece as the leaders of the governing coalition struggled to finalize further spending cuts for the coming two years — without which the country will lose its vital rescue loans. (Associated Press)
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“It’s not like this is the first up and down we have ever had,”Facebook CEO Mark Zuckerberg said in his first interview since the company’s rocky initial public offering in May. The company has lost half its value from its IPO price of $38 per share, which Mr. Zuckerberg acknowledged was “disappointing.” Still, Facebook says Mr. Zuckerberg doesn’t plan to sell any shares soon. (Associated Press)
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David John is a senior research fellow in retirement security and financial institutions at the Heritage Foundation (Heritage Foundation)