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yes this is what I was getting at just wanted to ask first, in case it may have been another issue.

That's good to know, thank you for the suggestion on creating geo based. I was hoping their was another way to rank locally for each city we provide services in. Maybe one day, i guess this type of business model isn't quite in Google's sites yet for local.

Hard to say, but I'd be hesitant to include any "money" keyword in sitewide footer links.

That's been specifically called out by Google and can definitely get you penalized. It's very dangerous. Google will not see hiding text because your client doesn't want to put up text as a legitimate use - for one simple reason. They have no way to know that. All they see is a very abused tactic in play, and they can and will penalize it.