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Since 1972 to 2006 there have been 23 leap seconds added, ranging from one every 6 months to 1 every 7 years.
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The most prominent of these is the 1935 beating of a young clerk who failed to repay his debt.
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Collections remain for seven years from the date of first default with the original lender, which in total may be seven-and-a-half years after your first missed payments.
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