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(THORNTON, Colo., October 12, 2004) Norm Olsen speaks and holds up a photo of his grandson Seth Evan Peebles, 4 months old, his first, to make a point about spending now relative to payback from individuals paychecks when his grandson becomes working age.

(THORNTON, Colo., October 12, 2004) Norm Olsen speaks and holds up a photo of his grandson Seth Evan Peebles, 4 months old, his first, to make a point about spending now relative to payback from individuals paychecks when his grandson becomes working age.