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First the U.S. gets its credit rating downgraded, and now a bunch of banks just did. It’s a different major credit rating agency that downgraded the banks — Moody’s, not Fitch. But it’s still bad news, especially after the bank failures earlier this year. Moody’s said this week that it lowered the credit ratings of 10 small and midsized banks that are facing growing financial risk and strained…

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