In this Oct. 15, 2008 file photo, of a Wells Fargo Bank in San Francisco. Talk about throwing in the kitchen sink. Wells Fargo & Co. said Thursday, Jan. 28, 2009, that it swung to a $2.83 billion loss in the fourth quarter as it took significant charges to reduce its exposure to the risky assets of Wachovia Corp. and built up its reserves to cover future losses. (AP Photo/Paul Sakuma, file)

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