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made it to 50%


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i havent bought any FICOs, but on the FAKOs from PG he just got above 700 on all of them :)

we were at about 70% util before i started working on it, and i am aiming to have it down to 20% by the end of next year, and then it is going to be gone (good riddance!!) by the middle of 2006. maybe i can get rid of it quicker, we'll see.

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