OPINION AND ORDER
CHAPMAN, United States Magistrate Judge.
Plaintiff Richard Banks filed a complaint on January 6, 2005, seeking review of the Commissioner's decision denying his applications for disability benefits. The Commissioner answered the complaint on May 26, 2005, and the parties filed a joint stipulation on August 3, 2005.
BACKGROUND
I
On September 3, 1999 (protective filing date), plaintiff filed an application for...
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