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Terminated Merchant File or the T.M.F. its like the book of banned people from casinos in Nevada. Credit is not really an issue, most of the time. Just be a responsible merchant when or if you do get a merchant account.
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"The object of war is not to die for your country but to make the other bastard die for his." -Patton
"Only the dead have seen the end of war." -Plato
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