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          <City>Colorado Springs</City>
          <State>CO</State>
          <ZIPCode>80918</ZIPCode>
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        <ReturnReference>D</ReturnReference>
        <Explanation>- Nontaxable benefits - Section 125 medical premiums paid - nontaxable compensation. Health benefit plan premiums paid by CTI. Life and long-term disability premiums paid by CTI. Medical flexible spending program - nontaxable compensation.</Explanation>
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      <GeneralExplanation>
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      <GeneralExplanation>
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