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NPR's Up First is the news you need to start your day. The three biggest stories of the day, with reporting and analysis from NPR News — in 10 minutes. Available weekdays at 6:30 a.m. ET, with hosts ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. A set-off clause is a legal clause that gives a lender the authority to seize a debtor's ...