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Thousands of Internet users across the U.S. and beyond waited too long or simply didn't believe warnings that they would lose access to the Internet just after midnight because of malware that took over computers around the world more than a year ago.

At 12:01 a.m. on Monday, the FBI turned off Internet servers that were functioning as a temporary safety net to keep infected computers online for the past eight months. A court order the agency had gotten to keep the servers running expired, and was not renewed.

FBI officials have been tracking the number of computers they believe still may be infected by the malware. As of Sunday night, there were about 41,800 in the U.S., down from 45,600 on July 4. Worldwide, the total is roughly 211,000 infected. An estimated 2.3 billion people around the world use the Internet, according to Internet World Stats.

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New law gives US companies a break on pensions

WASHINGTON (AP) â¿¿ A new law will let companies contribute billions of dollars less to their workers' pension funds, raising concerns about weakening the plans that millions of Americans count on for retirement.

But with many companies already freezing or getting rid of pension plans, many critics are reluctant to force the issue.

Some expect the changes, passed by Congress last month and signed Friday by President Barack Obama, to have little impact on the nation's enormous $1.9 trillion in estimated pension fund assets. And it is more important, they suggest, to avoid giving employers a new reason to limit or jettison remaining pension benefits by forcing them to contribute more than they say they can manage.

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Government agency proposes simpler mortgage forms

WASHINGTON (AP) â¿¿ The government proposed rules Monday to help Americans understand the costs and risks of getting a mortgage.

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