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In August 2011 , Clark Howard advised his readers to be wary of " giant , monster megabanks " and to seek better interest rates and customer service at smaller banks or credit unions .
 Clark Howard
Please list all entity words in the text that fit the category. Output format is "word1, word2". 
Option: media, plant, vehicle, astronomical object, time, disease, animal, location, person, organization, mythical figure, food, biology, geographical phenomenon, instrument, event 
Text: {0} 
Answer:
 Clark Howard