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In page Chad (paper):

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In the New Hacker's Dictionary, two unattributed and likely humorous[citation needed] derivations for "chad" are offered, a back-formation from a personal name "Chadless" and an acronym for "Card Hole Aggregate Debris".[4] Other etymologies claim derivation from the Scottish name for river gravel, chad, or the British slang for louse, chat.[citation needed]