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After a hard reset, your Axim will be just like it was when it came out of the box. You will lose all of the programs and settings that you have added/changed. You will have to do the initial setup again (tapping the crosshairs on the screen, etc.) You will not lose anything that came with your Axim, like Solitaire.
You can prevent data loss by doing a regular backup. I recommend Sprite Backup Premium (I believe this is also called Backup Plus).
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