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Savers love cash-back cards, which return a fraction of what you spend in good old U.S. currency. Disciplined consumers can bank hundreds of dollars yearly: The key is knowing how to maximize your payback.

Lehman Brothers Holdings, the once great Wall Street firm that went bankrupt at the height of the financial crisis, says it will have to pour hundreds of millions of dollars into two struggling units to avoid failures that could cost the investment bank billions.