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It is based on the difference between a tefillah and a bracha. The difference is that one can be yotzi when someone recites a bracha (as with hamotzi) but must recite a tefila personally (as with shmona esrai) unless with a minyan and in extraordinary circumstances (which is the basis of chazaras Hashatz) We see at Kollel Shaarei Horaah HaRav Shmuel ...

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