Americans make about 150 million trips to emergency departments each year. Their bank accounts wish they made far fewer.

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Toyota is selling the present, while Tesla is selling the future — an arguably really far-flung version of the future.

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Photo by Ministry of Communications of Brazil via CC BY 2.0 Banks expect to get 90 to 95 cents on the dollar. It’s actually not a bad deal, considering where things were just months ago. 2 min read ...

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