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A study reported last year in the New England Journal of Medicine found that using wrist guards, elbow pads, knee pads and helmets reduces the risk of serious injuries by almost 90 percent. The researchers based their findings on a review of injured in-line skaters who sought medical attention at hospital emergency rooms. Of the estimated 22.5 million people who participated in in-line skating in the United States in 1995, about 100,000 went to an emergency room for treatment. The typical injury, according to the study, involved a new or novice skater wearing no safety gear.