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BOC'S WILKINS: DOES NOT DISAGREE THAT PEOPLE NEED TO UNDERSTAND HOW BANK THINKS AND WHAT FACTORS WE TAKE INTO ACCOUNT, REPETITION IN SOME INSTANCES IS USEFUL

BOC'S WILKINS: DOES NOT DISAGREE THAT PEOPLE NEED TO UNDERSTAND HOW BANK THINKS AND WHAT FACTORS WE TAKE INTO ACCOUNT, REPETITION IN SOME INSTANCES IS USEFUL