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3.5:1 on a call down he pretty much has to be on complete air in order for you to be ahead. If you fold he may read you as weak and you can punish when the time comes. I see nothing wrong with folding but at the same time you will be folding the best hand some % of the time here so calling down is probably close.

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sean c you rock. when I run into these situations (usually with a more marginal hand), I say, "you can have the small pots, [villain]"