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Excess reserves are
Negative News
Information relayed through various media that focuses on unfortunate events, issues, or trends, often impacting the audience's mood or perceptions negatively.
Preceding Explanation
An explanation or description that comes before another part of text, providing necessary background information.
Bad-News Messages
Communications designed to convey information that might be disappointing, unwelcome, or unfavorable to the receiver, handled with care to mitigate negative reactions.
Negative-News Situation
A scenario where unpleasant information has to be communicated, often requiring careful word choice and tone.
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