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Page last updated at 08:27 GMT, Monday, 3 November 2008

'A lot of worried people' at HBOS

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The merger of two of Britain's biggest banks has come one step closer. Lloyds TSB has set out the details of its takeover offer to shareholders of Halifax Bank Of Scotland. Business editor Robert Peston reports the offer, which if successful may lead to widespread job losses at HBOS.

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