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Preheat oven to 375 degrees.
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In a large bowl, mix ground beef with onions and celery. Peel carrot into short strips, chop and add to meat. Set aside.
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In a small mixing bowl, lightly beat eggs, then add milk, ketchup and spices and blend. Combine wet mixture with meat and mix together.
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Sprinkle oatmeal over meat mixture and gently mix all together until oatmeal is well combined.
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Shape into loaf shape and place in metal loaf pan; drizzle top of loaf with ketchup (I place my ketchup in a small squirt-top dispenser for convenience). Bake for approximately 1 hr 15 minutes.
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Remove from oven, let stand about 15 minutes. Slice and serve.