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Jim,
I don't know the actual loss but what I have read and heard the loss seems to be mostly in the 15% to 25% range, so yours does sound high. I am sure some of the more knowledgeable guys will be able to really tell you what to look for and what you should have. I can't say this for absolute certain but if I remember correctly mine was around 18% to 19% several years ago. But I have made changes since then that may have raised it.
Ron
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