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It was wonderful to hear from each and everyone of you throughout this holiday season. Although none of you have heard from us, we have been thinking of you all. Sometimes it seems we take on too much and find ourselves out of time to stay in touch. We realize that the
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holiday season has come to a close, but we have finally found time to send a bit of holiday cheer your way. We hope you do not mind that our wishes come so late. Due to the late date, we will just wish you all a most happy and prosperous 1999. May we all find time in this new year to
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