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1dollar2dollar.com has box stitched down alternative comforters/duvet insert (4 pack) starting at $ 57 + Free Shipping.
Twin (4 pack) @ $ 57 [1dollar2dollar.com]
Queen (3 pack) @ $ 73.98 [1dollar2dollar.com]
King (3 pack) @ $ 88.98 [1dollar2dollar.com]