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Wal-Mart's biggest problem: Its customers

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Reusable shopping bags are offered for sale at new Walmart Neighborhood Market, opening its 34,000 square foot store in the Chinatown district of Los Angeles Thursday, Sept. 19, 2013. (AP Photo/Nick Ut) | ASSOCIATED PRESS

Its prices continue to undercut competitors. It's offering a slew of new initiatives, from in-store money-transferring services to organic groceries—even comparison shopping for auto insurance.

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