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If one spends exactly $20 (a difficult proposition), then one gets back exactly $5 (25%) in credit to purchase more ebooks.
It's a good deal if your Wish List is getting somewhat lengthy, or to save just a little bit of money (or, possibly, spend a little bit more money).
Then there is the wit who will say that spending $20 isn't saving money at all: It's spending $20.
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