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FILE- In this July 28, 2018, file photo, Luis Vazquez, an overnight support manager at Walmart in Dallas, poses for a photo with the Instapay app, developed by technology company Even, that assists him with his finances. Along with providing tools that allow employees to track their spending and save money, Even features Instapay, which allows users to advance some of their next paycheck up to 13 days before payday. (AP Photo/Michael Ainsworth, File)

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