OEM is the cpu alone. No heatsink, no fan, no manual(I could be wrong about this one). Retail has a heatsink,fan,manual. For motherboards and cpu specifically, do NOT buy OEM's - Only get retails because if the OEM cpu comes defective, some sites don't give you credit back.
Bah. Almost any site, aka any reputable one, will give you money back for a defective OEM cpu. And, OEM cpus tend to be cherrypicked, and hence better OC'ers.
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