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      <image:title>Research and Insights - The $40 Trillion Question: When Does Debt Become a Problem? - The federal government faces a similar dynamic. Government debt matures continuously, and the Treasury generally issues new debt to refinance maturing obligations while also borrowing to fund ongoing deficits.</image:title>
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      <image:title>Research and Insights - The $40 Trillion Question: When Does Debt Become a Problem? - When the supply of bonds increases—or investors perceive greater risks related to inflation, fiscal policy, or future debt levels—they may demand higher yields before lending money for 10, 20, or 30 years. Higher yields then increase the government’s future borrowing costs, reinforcing the cycle. The important question isn’t simply whether yields are rising. It is why they are rising and what is happening alongside them.</image:title>
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