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<TITLE>December K-Factor is now posted online</TITLE>
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<P><FONT SIZE=2 FACE="Arial">I've also posted November's issue as well…</FONT>
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<P><A HREF="http://www.nsrca.us"><U><FONT COLOR="#0000FF" SIZE=2 FACE="Arial">http://www.nsrca.us</FONT></U></A>
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