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Mack, who had met McDade at his home over the summer when they had considered merging, struck a sympathetic note: Standardized credit default swaps, which make up the vast majority of CDS contracts, should be traded on a public exchange, and nonstandardized contracts should be centrally cleared, subject to more regulatory scrutiny and greater charges capital.
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However, I will edit the piece to make that point clearer, because your point is a good one.