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Yes, I would repeat the modal. No, I would not remove the comma. Two
independent clauses joined by a conjunction always require a comma (see
"comma splice", which isn't always a bad thing), and "and [the bank] should
combine..." definitely sounds like an independent clause to me.
HTH
-Sue Gallagher
If you opt for the second version (not repeating), I think I would remove
> the comma.
>
>
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