Imagine that the Justice Department has settled a big case against a bank accused of race discrimination in lending. Many people have come forward to claim their portion of the settlement fund, but not as many as the parties initially estimated and significant money remains unclaimed. What should happen to the leftover money? Should it go back to the bank? Maybe, but that might mean that the bank essentially has gotten off easy. What about paying extra to the people who came forward? Perhaps, but it seems odd that they should benefit financially simply because they were easier for the Department of Justice (DOJ) to find. Until recently, the government avoided these twin problems by dep
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