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The Honolulu Advertiser
Business
 •  University of Hawai'i to create tech companies
 •  Insurers seek approval to raise healthcare rates
 •  NFL, HTA discuss Pro Bowl contract
 •  Lingle plans DBEDT reorganization
 •  Territorial Savings profits surge 185 percent
 •  ID-theft reports nearly double
 •  PERSONAL FINANCE
Building good credit will take time
 •  Schwabs urge families to discuss money
 •  MBNA credit balance now at bottom of bill