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 Hi Ray: 
I was out and just got home and checked my mail.  I did 
get you attachment.  I got four of those messages from somewhere about 
things I never even sent.  I don't know what's going on but, I did 
get the attachment you sent me. 
Thank you very much for it.  I have printed it out and 
will work my way through it and the very good advice you also sent.  Much 
appreciated. 
Kathy. 
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