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From what you are describing to me, this sounds like the symptoms of "mitral valve prolapse". This is something that your doc can have checked out with an echo cardiogram. Which is merely an ultrasound of your heart. It is painless, and will give a lot of information. I have been told by one of the docs that I have worked with that when you feel that "flutter", if you take a deep breath and cough it will make it go away for the moment. You really do need this checked out by your doc though, this tends to be something that is hereditary, and although normally mild, occasionally they require surgery to correct. So I would make your appointment asap.
Good luck to you...