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Low short-term interest rates will be needed for a "considerable time," Federal Reserve Chair Janet Yellen told the Joint Economic Committee of Congress on May 7. (AP Photo/Charles Dharapak)

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Low short-term interest rates will be needed for a "considerable time," Federal Reserve Chair Janet Yellen told the Joint Economic Committee of Congress on May 7. (AP Photo/Charles Dharapak)

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Sen. Jim DeMint, a member of the Senate Banking Committee and the Joint Economic Committee, leads other Republican senators on Capitol Hill in Washington on Wednesday, June 29, 2011, in a call to bypass the July Fourth holiday recess to stay in town to work on the debt crisis. (AP Photo/J. Scott Applewhite)

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**FILE** Federal Reserve Board Chairman Ben Bernanke testifies June 7, 2012, on Capitol Hill in Washington before the Joint Economic Committee about the health of nation's economy, the slumping recovery, and the European debt crisis. (Associated Press)

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Federal Reserve Board Chairman Ben Bernanke testifies on Capitol Hill in Washington, Thursday, June 7, 2012, before the Joint Economic Committee about the health of nation's economy, the slumping recovery, and the European debt crisis. (AP Photo/J. Scott Applewhite)

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**FILE** Federal Reserve Board Chairman Ben Bernanke testifies June 7, 2012, on Capitol Hill in Washington before the Joint Economic Committee about the health of nation's economy, the slumping recovery, and the European debt crisis. (Associated Press)

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Ben Bernanke, chairman of the Board of Governors of the Federal Reserve, testifies before the Joint Economic Committee on the country's economic outlook at the U.S. Capitol in Washington, D.C., on Oct. 4, 2011. (T.J. Kirkpatrick/ The Washington Times)

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Ben Bernanke, chairman of the Board of Governors of the Federal Reserve, testifies before the Joint Economic Committee on the country's economic outlook at the U.S. Capitol in Washington on Oct. 4, 2011. (T.J. Kirkpatrick/The Washington Times)

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Ben Bernanke, chairman of the Board of Governors of the Federal Reserve, testifies before the Joint Economic Committee on the country's economic outlook at the U.S. Capitol in Washington, D.C., on Oct. 4, 2011. (T.J. Kirkpatrick/ The Washington Times)