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at 3 p.m. on Friday, December 21, 2012, the last business day before Christmas, the White House finally released its Unified Agenda and Regulatory Plan, which included coal in the stocking in the form of more regulations for tobacco companies. The long-
one or more of the major credit card issuers are scrutinizing transactions in which their cards are used for remote sales of cigars and other tobacco products. In 2005, the major credit card companies entered into an agreement regarding remote sales of c