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People wait in a long line outside the United States Bankruptcy Court on October 14, 2005 in downtown Denver to file for bankruptcy on the last day before new tougher federal laws go into effect. Hundreds of consumers across the nation crowded into courthouses Friday to file bankruptcy petitions to beat the start of a new federal law that sets stricter standards for seeking protection from creditors. (ELLEN JASKOL/ROCKY MOUNTAIN NEWS) ***

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