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Noah Wilcox, a fourth-generation Grand Rapids banker, tells a Minnesota Senate committee Tuesday that most loans by small banks are good when they are made, even if they go bad later. Watching is Marshal Mackay of the Independent Community Bankers of Minnesota. Pioneer Photo/Don Davis

71 Minnesota banks being closely watched

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ST. PAUL -- Regulators are working with 71 of 426 Minnesota-based banks to make sure they do not fail, but bank and credit union officials say they are not risking customers' money.

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