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In a world of functionally identical technology and commoditized banking, creating a competitive advantage was difficult to attain but even more difficult to sustain. The

"In a world of functionally identical technology and commoditized banking, creating a competitive advantage was difficult to attain but even more difficult to sustain." "The Company elected to early-adopt SFAS No. 157, Fair Value Measurements' (SFAS 157), as of January 1, 2007." Explain each one of the mentioned above

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