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   front page of The Wall Street Journal is a bonus. MT. Lark Allen is executive vice president at Wave. Systems Corp. Mr. Allen is responsible for the corporate strategy, technology guidance and market development for Wave's client archi- ..... HUD's allowing first-time borrowers to ?monetize? the $8000 federal first-time buyer tax credit for use as their downpayment. Not only is the mortgage industry on track for a projected 1.75 million FHA-insured mortgages for fiscal ...