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Ok, thanks again. BIG HELP!!

Thanks for the reply. Both answers show that there is no harm here and potentially a lot of benefits.

Thanks for the reply. I think at the end of the day, yes it does help the user to have it all in one place. And thanks for reiterating what I already thought... directories are better than sub-domains. To be honest, this article is what had me questioning sub-directories in the first place: http://www.seobook.com/subdomains-google-panda