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THE TWO largest U.S. banks - Citibank and Bank of America - have won approval to open their first branches in Vietnam, bank representatives said Thursday in Hanoi. . . . CLOUDS of smoke floated through Charleston, W.Va., as a wave of fire scorched forest land across central Appalachia. More than 34,000 acres in West Virginia and Kentucky have been scorched. One of the driest Octobers on record and mild temperatures have made forests ripe for burning, state Division of Forestry spokesman Coy Mullins said Wednesday.