| http://www.w3.org/ns/prov#value | - The present invention relates to binders, and more specifically to a binder hold down page of multi-function construction that is equipped with one or more article holders.BACKGROUND OF THE INVENTIONIn the past, binder arrangements consisted of a pair of covers each joined to a spine by a hinge with at least one binder, such as a three ring binder, attached to an inside surface of one of the cover
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