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If there was a conspiracy, asked defense attorney Patrick Hallinan, "why would you have to lie?" And if Hurwitz and his patient-dealers were in cahoots, why would he carefully record all the potential signs of trouble the prosecution would later cite as evidence of his "head-in-the-sand attitude"? Hallinan conceded that Hurwitz may have displayed "a degree of naivet," and "even foolishness" in accepting some of his patients' stories best home interest loan rate .
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