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Note: If the two second digits are 1 and 9 (or, more generally, have a product that is less than ten), insert a 0 (zero) for the first X in step 4. (Thanks to Michael Richardson, age 10, for this note.)

Note: If the two second digits are 1 and 9 (or, more generally, have a product that is less than ten), insert a 0 (zero) for the first X in step 4.

(Thanks to Michael Richardson, age 10, for this note.)

See the pattern?

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