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After reading this article it occurs to me that this article says very much about the U106...U198's of the world. In my case I am U198 which is a haplotype not typically in the more native Celtic population. This article seems to describe almost perfectly what happened. In the Phillips DNA project I am most closely related to another Phillips man from Scotland. Downstream from U198 is an SNP (JFS0005). My hope is that I can answer a question about the time my Phillips chose the name and the mutation that brought JFS0005. Wouldn't it be interesting to know. I am almost certain that the mutation would have occurred before the Phillips name was chosen, based on the fact that 2 other men with the same SNP have different last names. My curiosity however is piqued.