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   <news:title>29. IRS First-Time Penalty Abatement: The 3-Year Compliance Rule Explained</news:title>
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   <news:title>28. IRS Tax Lien and California FTB Lien at the Same Time: How Priority and Payoff Can Work</news:title>
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   <news:title>27. Refinancing a Home With an IRS Tax Lien: How Subordination Can Work</news:title>
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