Stringham of Fayetteville State University, and I have been working with IT developers at the California-based PJ Institute to develop a Web-based application we call the Personal Financial Impact Projector.

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On a muggy afternoon in Jefferson Parish, Louisiana, a brunette in a tight-fitting black top and hip-hugger jeans strides into PJ's Coffee Shop for a cup of praline-flavored joe.

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"The guys that are doing this -- It's a small group of guys, " says "Mark, " a pararescueman or PJ, which is short for parajumper.

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