FILE -- An April 19, 2012 file photo shows Bank of America's corporate headquarters in Charlotte, N.C. Moody's Investors Service Thursday June 21, 2012 has lowered the credit ratings

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FILE -- An April 19, 2012 file photo shows Bank of America's corporate headquarters in Charlotte, N.C. Moody's Investors Service Thursday June 21, 2012 has lowered the credit ratings on some of the world's biggest banks, including Bank of America. (AP Photo/Chuck Burton, file) less