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U.S. Dollar Index Fixed Income U.S. Bond Aggregate (AGG), High Yield Bond ETF (JNK) 5-7yr. Treasury ETF (IEF), 20 yr. + Treasury ETF (TLT)

By Richard A. Werner Table of Contents I. Executive Summary II. Introduction: The Purposes of the Memo III. The Present State of Banking and the Role of Small and Medium-sized Enterprises in the U.S. Economy and in Tennessee The importance of small businesses The importance of community banks for small businesses Negative developments in the…