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Four laid-off United Airlines pilots and an ex-American Airlines pilot have started a financial consulting division to help airline employees improve their personal finance. They are working within a large international firm, AXA. Bottom row left is Scott Sperry, Andrew D. Miller (center) and Tim Smith. Background left is Eric Lybarger and Robert Douglas, right. Tim Smith was with American Airlines and the others were all with United Airlines Photo by Rick Giase/Special to the News

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