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Christopher Herr and Tina Galgon-Herr close the loan on their mortgage for their dream house in the presence of their banker, Mario Masciola, of the First National Bank of Colorado, left, and Lawyers Title account representative Barbara Lutz, right, at the Lawyers Title office in Boulder, Tuesday, May 31, 2005. (HAL STOELZLE/ROCKY MOUNTAIN NEWS) ** Christopher Herr and Tina Galgon-Herr (Jay Dedrick), Mario Masciola and Barbara Lutz (business card)

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