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Interest expense 1,258 - Interest income 526 454 Income taxes 19,425 15,182 Depreciation and amortization 8,788 6,217 ----- ----- Earnings before interest, income taxes, depreciation and amortization $ 63,346 $ 47,881 ========= ========= EBITDA margin calculated as follows. The banks would have had additional authority to make commercial loans and invest in commercial paper. Mishkin asserts that discount bonds make no interest payments. 
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