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题目材料:
Advertising campaigns by Neltland's credit card companies have become highly aggressive, presenting strong incentives for people to open credit card accounts and to charge purchases on them. However, according to credit card company reports, the average debt carried on any given company's credit card has increased by less than 5 percent over the last few years, a modest increase more than offset by rising wages. Therefore, concerns that aggressive advertising is prompting Neltlanders to take on excessive debt are unfounded.
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以上解析由 考满分老师提供。