FILE - In this file photo taken Feb. 17, 2011, Federal Reserve Chairman Ben Bernanke testifies on Capitol Hill in Washington, before the Senate Banking Committee. Some economists worry that low rates might be hurting the economy itself — defeating the purpose of the Federal Reserve's low-rate policies. When savers earn less, they spend less. And spending by individuals drives about 70 percent of the U.S. economy. (AP Photo/J. Scott Applewhite/File)
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