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<font face="Arial" color="#FF0000" size="2"><strong><img src="hips20.bmp" alt="[hips20]">&nbsp;&nbsp;&nbsp;
</strong></font><font face="Courier New" color="#000100" size="6">Hips model 2: MC estimates for<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;each strata - give&n