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    Mortgage companies are re-evaluating how they lend money to avoid future housing collapses, and industry experts say home buyers may have to fill out extra paperwork and even take classes to get the loans.
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    Area incumbents were returned Tuesday to the Florida Legislature. Newcomer Dwayne Taylor, a former Daytona Beach city commissioner, won election to an open seat in the Florida House. Only the House District 21 race between Linda Myers of Palatka and Charles Van Zant was too close to call, according to late unofficial returns.

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