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About the author - This Web page and related content is written and periodically updated by consumer finance writer Tony Novak. Comments, questions, feedback and updates are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Twitter or through the contact information included on his Web site. Article reprint rights as well as specifically customized content may be available on request. Some content may be offered for reprint without charge; other content will be offered for a fee that exceeds the minimum amount regulated by international Web copyright laws. Reprint is not permitted without written license.