We know that many kids wait until the last minute to write their application essays.

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"They always wait until the last minute, " said Doug Culpepper, a Democrat and nurse, while getting a haircut at the Clip Joint here.

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Twenty-seven percent of gift-givers wait until the last minute to make their purchases, according to a 2006 gifting survey conducted by Pennsylvania-based Unity Marketing.

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Without it, the company would not be able to wait until the very last minute to unveil each new device.

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There are always reasons to put off expanding a payroll, and too often, entrepreneurs wait until the absolute last minute to add a key hire.

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