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Born very smart and skilled as an athlete, Michael Holt would lose his older brother Jeffrey, then his wife Paula. Contemplating suicide, Michael was saved by the Spectre, who told him of stories of Terry Sloane, the first Mr. Terrific. Inspired by his belief of fair play, Michael would use his genius and fortune as well as his skilled athleticism to fight injustice as Mr. Terrific, using a special mask to hide him from all electronic detection. Like his predecessor, Michael would join the JSA, and being currently one of its co-chairs.

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