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These two words were discussed recently on another MF board.
A clever poster gave some guidance in their use:
If its a verb, "affect" is likely to be correct.
If its a noun, "effect" is likely to be correct.
Today I picked up an example of "effect" used correctly as a verb.

Waksal told the judge, 'To cancer patients I am so sorry for any delay I might have effected in the approval of Erbitux because of my actions.'
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