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			Thanks guys, that kind of what makes sense to me as I think it through...best wishes to all of you. 
 
One of the keys in my mind is what you said Norcal: "Also remember that the choice to carryover into OT only exists when OT is CERTAIN."  
 
good summary Rev!
		 
		
		
		
		
		
		
		
		
	
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