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Plus: Boulder County’s clerk on Proposition 131. Ken Buck backs Prop. 131 and joins Unite America. Heidi Ganahl’s ...

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5. Better definition of procedures and future reforms: The slow uptake of Texas' gold card program highlights the need for more widespread and comprehensive reforms to PA processes, Dr. Silva said.

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He has five years of experience in personal finance journalism and has contributed to a variety of leading national publishers including Business Insider... Julian KheelCredit Cards and Travel ...