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I didn't  know  what  the 1095 was so when  it asked me I said  no this is myc1st x @ "real life" in almost  55 years, so does it automatically  know  if you wk 4 UPS that you have  the 1095 even if you  say  no..lol. HELP?!?thx n blessed day y'all..CLnChico2