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RIO DE JANEIRO, BRAZIL - Cash in the underpants, R$51 million (US$10 million) in banknotes in an apartment in Bahia, cash deposits, houses bought in cash. The news is repeated, only with changes, but the money-laundering controls are triggered every time someone uses cash to pay large sums.

Operation Lava Jato, when banks were caught red-handed and had to run to the Central Bank to cut deals on account of failed "know . . .

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