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Morgan Stanley's channel checks on H&R Block (HRB -2.2%) indicate the tax season got off to...

Morgan Stanley's channel checks on H&R Block (HRB -2.2%) indicate the tax season got off to a slow start and the tax preparer's free refund anticipation check hasn't driven much share, causing the investment bank to cut its estimates. HRB has been restructuring its operations, shedding its brokerage unit and winding down its mortgage lending business.
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