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		 I'm worse off than in 06.  I'm sell voluntary employee benefits(insurance)and the recession, combined with HCR is killing me.  My income is 50% of what it was on 06.   Thank god for my wife or we'd have lost our house. 
		
		
		
		
		
			
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				"Your life is Yours alone...Rise up and live it"
			 
		
		
		
		
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