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According to the article, "Gone are the days when many banks wanted to produce all things for all clients....Now, most banks are happy simply to offer an all-encompasing range of products and services--they just don't necessarily want to produce them themselves. Instead, they are contracting out the business, putting their names on products and services that originate from another bank." The article also says that Citibank, MBNA, Bank One, Chase, and Providian together control 62 percent of the U.S. credit card market.
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