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A modified approximation to many - body systems is developed. The approximation has the same computational complexity as the traditional approach, but uses a different truncation scheme. This scheme neglects high order connected correlation functions. A covariant (preserving Ward identities due to charge conservation) scheme for two - body correlators is employed, which holds the relation between the charge correlator and charge susceptibility. The method is tested on the two - dimensional one - band Hubbard model. Results are compared with exact diagonalization, the fluctuation

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