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It's easily over 50%. EASILY. Very likely over 75%. I'd put it around 80-85, and wouldn't fight anyone too hard if they said 87.
I know a lot of guys that develop a bald "spot" and then stop balding there, which I'd still qualify as "balding". But a full head of hair on a 37 year old? Not common. Not obscenely rare, but definitely the minority.
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