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<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=82 BGCOLOR="#000033" TEXT="#F7F7FF"> <div> <FONT SIZE="5" COLOR="#FFFFFF" FACE="Times New Roman" ><B>Higgins Beach</B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="Higgins Beach"><U><B>home</B></U></A></div> <div>                                                   </div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#000033" TEXT="#F7F7FF"> <bR> </td> <td valign="top" height=398 BGCOLOR="#000033" TEXT="#F7F7FF"> <div> <I><B>Your Home Here</B></I></div> <bR> <bR> <bR> </td> </tr></table></body>