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These apps can buy nurses' financial data from the unregulated data-broker industry, and then offer nurses with overdue credit-card bills lower wages, on the grounds that they're so desperate they'll take a paycut:

https://pluralistic.net/2024/12/18/loose-flapping-ends/#luigi-has-a-point

Ferguson also killed off a notice-and-comment action on predatory pricing - when companies sell goods below cost in order to destroy competitors, then drive up prices.

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