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Copyright 2006, National Endowment for Financial Education® (NEFE®). All rights reserved.

These publications are not intended for commercial use. Nonprofit, government, and educational organizations providing health insurance assistance or counseling to individuals are permitted to duplicate these materials, without alteration, in whole or in part for the limited purpose of providing this information in printed form without charge to clients or students. No other reproduction of these materials is permitted without written permission of the copyright holder.


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