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My opinion: mountainbiking.com/adventures/mountain-biking-adventures-in-utah/ Why like this? Because when you put less than 3 or more than 5 words in the URL google gives less importance for the keywords in the URL based in what mattcutts said. And for user point of view, If I see a sub-folder with MOUNTAIN BIKING too( assume the domain already have the keywords ) will look spammy for me.

The mountain bike examples were just for illustration, the actual keywords are different than described but the principle is the same. Actually I did use PPC research, and they pretty much bring up the same content (slight, very slight variations but in general they could be considered the exact same market segment ) So I guess other than splitting the results I will just grab the top performer that I think I have the best chance at getting good results with and maybe PPC the others if it makes economic sense. Thanks for the answers.

Actually, I saw a couple of those monkeys at a recent MMA event.... again, its a joke.