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Stickers show which credit cards are accepted at a shop in Frankfurt, Germany, yet only 36 percent of Germans older than 15 possess a credit card, compared with 62 percent in the U.S. It’s that financial culture — an aversion to debt and an emphasis on savings — that makes Chancellor Angela Merkel’s hard-line approach to resolving the European economic crisis through austerity and budget reforms so popular among her constituents. (Associated Press)

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