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NEW YORK, NY - NOVEMBER 20:  Federal Reserve Chairman Ben Bernanke addresses the Economic Club of New York on November 20, 2012 in New York City. In his speech he urged Congress to act to avoid the so-called "fiscal cliff" of severe budget cuts and tax hikes in 2013, which he said would throw the U.S. economy back into recession.  (Photo by John Moore/Getty Images) John Moore / Getty Images