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I never lost any credits, but for awhile there, it was tough keeping up to prevent losing any due to rollover. Twice I had them reinstate a lost rollover credit. Family trauma does that to you. You just can't keep up sometimes. Currently have the 12 credit plan - I never assumed I could rollover the credits at the end of the year, but apparently, since I bought before April 1, I can roll over an extra year if need be. Probably won't happen though.
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