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(Note, however, that this view of net foreign capital masks the magnitude of cross-ownership between countries, about which I will say more in the chapter next.
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There are two types of costs entailed in making an ATR determination: The cost of obtaining the verification evidence and the cost of making an ATR determination consistent with that evidence.
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For convenience, this discussion refers to the next scheduled inflow of income as the consumer's next “payday” and the inflow itself as the consumer's “paycheck” even though these are misnomers for consumers whose income comes from government benefits.