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  <loc>https://totalbenefits.net/irs-letter-5698-what-it-is-why-it-matters-and-what-happens-if-you-ignore-it/</loc>
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   <news:title>IRS Letter 5698: What It Is, Why It Matters, and What Happens If You Ignore It</news:title>
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  <lastmod>2026-08-26T13:01:07Z</lastmod>
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  <lastmod>2026-08-25T13:00:34Z</lastmod>
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