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Disclaimer

The Federal Reserve Bank of Dallas provides this website as a convenience to its customers, depository institutions and the public. By using this site or the information, data or materials provided, you acknowledge and agree to the following terms and conditions:

The service and content from or through this site are provided on an "as-is," "as available" basis without warranty of any kind, including, but not limited to, express and implied warranties of merchantability, title, quality, fitness for a particular use and noninfringement. The Federal Reserve Bank of Dallas uses reasonable efforts to include accurate and up–to–date information on this website; it does not, however, make any representations or warranties as to its accuracy or completeness. The Federal Reserve Bank of Dallas periodically adds, changes, improves or updates the information and documents on this website without notice. The Federal Reserve Bank of Dallas assumes no legal liability or responsibility for the accuracy, correctness or completeness of any information available through this website. Any conclusions that users draw from the information presented here are their own and are not to be attributed to the Federal Reserve Bank of Dallas.

The views expressed in the Federal Reserve Bank of Dallas publications and working papers are strictly those of the authors. They do not necessarily represent the position of the Federal Reserve Bank of Dallas, or the Federal Reserve System.

This site contains links to information outside of the Federal Reserve Bank of Dallas’ website as an additional resource. The linked sites are not under the control of the Federal Reserve Bank of Dallas, and the Federal Reserve Bank of Dallas is not responsible for the contents of any linked site or any link. The Federal Reserve Bank of Dallas provides these links only as a convenience, and the inclusion of a link does not imply a site or product endorsement, recommendation or favoring by the Federal Reserve Bank of Dallas.

Reproduction of any information contained herein may be made without limitation as to quantity, provided it is not distributed for the purpose of private gain and is appropriately credited to the Federal Reserve Bank of Dallas or its respective publication. A courtesy copy of the publication containing the cited material should be forwarded to:

Communications and Outreach Department
Federal Reserve Bank of Dallas
2200 N. Pearl St.
Dallas, TX 75201

Graphics and logos created by the Federal Reserve Bank of Dallas are the property of the Federal Reserve Bank of Dallas and may not be used without written permission.

The Federal Reserve Bank of Dallas does not permit the use of its name in advertising, as an endorsement for any product or service, or for any other commercial purpose.