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Michael Dykstra, 52, holds his knee that has put him out of work since January and created a situation where he and his wife Nancy Dykstra had to claim bankruptcy October 3. "I don't think people get themselves into this situation by making bad decisions, it's just that life happens," says Dykstra in his Denver home Thursday , October 6, 2005. (BARRY GUTIERREZ/ROCKY MOUNTAIN NEWS) **CQ: Michael Dykstra

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