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<td align="center" class="refont20" style="font-family: Arial, Helvetica, sans-serif; font-size: 24px; line-height: 24px; font-weight: bold; color: #4dab58; text-transform: uppercase;">CONSUMER RIGHTS DAY</td>
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<td align="left" class="refont16 pad20" style="color:#000000; font-family:Arial, Helvetica, sans-serif; font-size:19px; line-height:24px; padding-left: 40px; padding-right: 40px;" valign="middle">Today is Consumer Rights Day, and our focus this year is on digital finance. The technology we use today to shop, buy, and pay is convenient and fast, but it poses more risks for consumers, especially when it comes to security and privacy. Read below about some of the challenges we’ve uncovered, and how we continue to work to protect your rights so you can navigate the financial world safely.</td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t3"><img alt="How to avoid buy now, pay later issues" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/Picture1_22.png" style="border:0; outline:none; text-decoration:none; display:block; width:100%; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td align="center" class="pad20" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size:24px; line-height:28px; font-weight: bold; padding-top: 20px; padding-bottom: 20px;padding-left: 40px; padding-right: 40px;" valign="middle">How to avoid buy now, pay later issues</td>
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<td align="left" class="refont16 pad20" style="color:#000000; font-family:Arial, Helvetica, sans-serif; font-size:19px; line-height:24px; padding-left: 40px; padding-right: 40px;" valign="middle">The premise of “buy now, pay later” is appealing when checking out online - you can spread your payments over time and get what you ordered immediately. But Covid-related product availability and delays are causing some people to fully pay and still not get their order. Here’s how <a alt="" style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t4">Covid has turned buy now, pay later upside down</a>, and how you can minimize your risk.</td>
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<td height="30"><img border="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block;"></td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t5"><img alt="I bought a burrito in four easy payments" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/Picture2_20.png" style="border:0; outline:none; text-decoration:none; display:block; width:100%; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td align="center" class="pad20" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size:24px; line-height:28px; font-weight: bold; padding-top: 20px; padding-bottom: 20px;padding-left: 40px; padding-right: 40px;" valign="middle">I bought a burrito in four easy payments</td>
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<td align="left" class="refont16 pad20" style="color:#000000; font-family:Arial, Helvetica, sans-serif; font-size:19px; line-height:24px; padding-left: 40px; padding-right: 40px;" valign="middle">About 1 in 5 Americans have used a “buy now, pay later” (BNPL) service, according to a recent survey by Consumer Reports. What’s concerning is that people are using this service to not only buy high-ticket items but also for everyday spending, like dinner takeout. “One of the biggest issues we’ve seen with buy now pay later is that, generally, no assessment is made about whether someone using this financing has the ability to repay that debt,” says Marisabel Torres, at the Center for Responsible Lending, a consumer advocacy organization. <a alt="" style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t6">Learn more about BNPL</a>, the potential impact on your credit score, and other downsides of paying later.</td>
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<td height="30"><img border="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block;"></td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t7"><img alt="Protect yourself from scams & scammers" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/Picture3_22.png" style="border:0; outline:none; text-decoration:none; display:block; width:100%; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td align="center" class="pad20" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size:24px; line-height:28px; font-weight: bold; padding-top: 20px; padding-bottom: 20px;padding-left: 40px; padding-right: 40px;" valign="middle">Protect yourself from scams & scammers</td>
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<td align="left" class="refont16 pad20" style="color:#000000; font-family:Arial, Helvetica, sans-serif; font-size:19px; line-height:24px; padding-left: 40px; padding-right: 40px;" valign="middle">Awesome deal here! You owe us money! Great job for you! These are attention-getting opening lines, but unfortunately, are also warning signs of an online scam. And the cases are mounting. In just nine months of 2021, there were over 2.1 million reports of fraud. The scams are often sophisticated, but you can protect yourself from the most common ones. Here’s <a alt="" style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t8">how to spot some top scams</a>, what to do if you’ve been targeted, and how to avoid fraudsters in the future.</td>
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<td height="30"><img border="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block;"></td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t9"><img alt="Take Action: Stop Hidden Fees" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/StopHiddenFees.png" style="border:0; outline:none; text-decoration:none; display:block; width:100%; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td height="30"><img border="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block;"></td>
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<td><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%">
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<td class="kill" width="40"><img class="kill" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display: block;" width="40"></td>
<td align="center" class="w100 pad20" width="620"><table border="0" cellpadding="0" cellspacing="0" class="w100" width="620">
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<td align="left"><table border="0" cellpadding="0" cellspacing="0" class="element_hide" width="200">
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<td height="12" style="border-bottom:1px solid #000000; background-color:#ffffff;font-size:1px; line-height:1px; mso-line-height-rule: exactly;margin:0;"><img border="0" class="element_hide" height="12" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block; border:none; outline:none;margin:0;" width="200"></td>
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<td height="12" style="background-color:#ffffff;font-size:1px; line-height:1px; mso-line-height-rule: exactly;margin:0;"><img border="0" class="element_hide" height="12" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block; border:none; outline:none;margin:0;" width="1"></td>
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<td align="center" class="refont20" style="font-family: Arial, Helvetica, sans-serif; font-size: 24px; line-height: 24px; font-weight: bold; color: #4dab58; text-transform: uppercase;">THIS WEEK</td>
<td align="right"><table border="0" cellpadding="0" cellspacing="0" class="element_hide" width="200">
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<td height="12" style="border-bottom:1px solid #000000; background-color:#ffffff;font-size:1px; line-height:1px; mso-line-height-rule: exactly;margin:0;"><img border="0" class="element_hide" height="12" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block; border:none; outline:none;" width="200"></td>
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<td height="12" style="background-color:#ffffff;font-size:1px; line-height:1px; mso-line-height-rule: exactly;"><img border="0" class="element_hide" height="12" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block; border:none; outline:none;margin:0;" width="1"></td>
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<td class="kill" width="40"><img class="kill" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display: block;" width="40"></td>
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<td height="20"><img border="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block;"></td>
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<td align="left" class="refont16 pad20" style="color:#000000; font-family:Arial, Helvetica, sans-serif; font-size:19px; line-height:24px; padding-left: 40px; padding-right: 40px;" valign="middle">March 13-19, 2022 is National Sleep Awareness week. We all know how important a good night's sleep is - or do we?!</td>
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<td height="20"><img border="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block;"></td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t10"><img alt="Guide to Better Sleep" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/GuidetoBetterSleep.png" style="border:0; outline:none; text-decoration:none; display:block; width:100%; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td height="20"><img border="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block;"></td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t11"><img alt="EXCLUSICE SLEEP WEEK DEALS" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/Shopping_Sleep_Week_Deals_Module_Desktop_600_235.png" style="border:0; outline:none; text-decoration:none; display:block; width:100%; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td height="20"><img border="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/social_icons/spacer.gif" style="display:block;"></td>
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<td align="left" class="refont16 pad20" style="color:#000000; font-family:Arial, Helvetica, sans-serif; font-size:19px; line-height:24px; padding-left: 40px; padding-right: 40px;" valign="middle">Try out CR’s <a alt="" style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t12">Mattress Selector</a> tool, a new way for members like you to find top-rated mattress based on your specific sleep style and needs.</td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?EaG91c2VAdGVkZHliLm9yZw/CeyJtaWQiOiIxNjQ3Mzg3Mjg3MTczOWRmNDAzYjM1MTgzIiwiY3QiOiJjci1jb21tdW5pY2F0aW9ucy0xZjhkNjlmM2UxZDVjZjVhYWNjM2YwYzcwMDg0YjBkNy0xIiwicmQiOiJ0ZWRkeWIub3JnIn0/HWkhfY29uc3VtZXJfRE5CQU4wMzE1MjAyMjU2MDEzNjEsY3IxLGh0dHBzOi8vd3d3LmNvbnN1bWVycmVwb3J0cy5vcmcvcHJvZHVjdHMvbWF0dHJlc3Nlcy0yODk0OC9tYXR0cmVzcy0yODcwNS92aWV3Mi8/qP0VYVEtFWT1FRTIzMkRBQUMmdXRtX3NvdXJjZT1hY3hpb20mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249MjAyMjAzMTVfY3JvbWNfZW5nYWdld2tseSZidF91c2VyX2lkPTkxQWVGaCUyQjlhNE5oVXU4UDM1VUdGMldRbU11WFRneW1vTHM1JTJGR0FTcGZlTVNzUTYlMkZNaXBsJTJGcjBURTAwSlAlMkJmQ1VOSHFPSG1lRFpMa0RrUE5DcFlHNnY5MFlnaGhhTXFyY2hhY2hxSTZVRSUzRCZidF90cz0xNjQ3Mzg3Mjg3MjUw/sk521af8f52" data-location="t13"><img alt="Mattress Ratings" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/Picture5_20.png" style="border:0; outline:none; text-decoration:none; display:block; width:100%; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t14"><img alt="Which air fryers are the quietest?" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/Picture6_17.png" style="border:0; outline:none; text-decoration:none; display:block; width:100%; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td align="center" class="pad20" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size:24px; line-height:28px; font-weight: bold; padding-top: 20px; padding-bottom: 20px;padding-left: 40px; padding-right: 40px;" valign="middle">Which air fryers are the quietest? </td>
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<td align="left" class="refont16 pad20" style="color:#000000; font-family:Arial, Helvetica, sans-serif; font-size:19px; line-height:24px; padding-left: 40px; padding-right: 40px;" valign="middle">The mini convection fan in air fryers might crisp your food to perfection, but is the noise driving you crazy? CR tests many appliances for noise, and even we were surprised at the range of noise levels for air fryers - from the equivalent of the gentle hum of a refrigerator to the loud roar of a vacuum! Check out how we test air flyers for noise, and see which <a alt="" style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t15">7 air fryers are the quietest</a>. Head over to our <a alt="" style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t16">air fryer ratings</a> for all the test results.</td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t17"><img alt="What is “slugging” and how does it work" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/Picture7_20.png" style="border:0; outline:none; text-decoration:none; display:block; width:100%; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td align="center" class="pad20" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size:24px; line-height:28px; font-weight: bold; padding-top: 20px; padding-bottom: 20px;padding-left: 40px; padding-right: 40px;" valign="middle">What is “slugging” and how does it work</td>
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<td align="left" class="refont16 pad20" style="color:#000000; font-family:Arial, Helvetica, sans-serif; font-size:19px; line-height:24px; padding-left: 40px; padding-right: 40px;" valign="middle">Despite its non-beauty terminology, “slugging” is a popular skincare regime that involves slathering the face every night in Vaseline or another petroleum jelly-based product, such as Aquaphor. The hoped-for result? Luminous and clear skin. So let’s dive a little deeper into <a alt="" style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t18">how the slugging skincare trick works</a> and why experts agree that it is actually good!</td>
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<td align="center" class="pad20" style="padding-left: 40px; padding-right: 40px;" valign="top"><a alt="" style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t19"><img alt="Which kind of pillow is right for you?" border="0" class="w100" hspace="0" src="https://email-editor-assets.s3.amazonaws.com/images/584be0a56f6110242a417c6894c58cdb/editor_images/Picture8_18.png" style="border:0; outline:none; text-decoration:none; display:block; max-width:620px; height:auto;" vspace="0" width="620"></a></td>
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<td align="center" class="pad20" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size:24px; line-height:28px; font-weight: bold; padding-top: 20px; padding-bottom: 20px;padding-left: 40px; padding-right: 40px;" valign="middle">Dreaming of a better night’s sleep?<br> <a alt="" style="color:#00ae4d; text-decoration: underline;" href="https://e.email.consumerreports.org/click?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" data-location="t20">The right pillow</a> could be the answer!</td>
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