1)	Calvin%25E2%2580%2599s%2520credit%2520card%2520computes%2520finance%2520charges%2520using%2520the%2520daily%2520balance%2520method.%2520His%2520card%2520has%2520a%2520billing%2520cycle%2520of%252030%2520days%2520and%2520an%2520APR%2520of%252014.75%
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9)	heart+sutra+english
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