For years, syed quadri drove 90 minutes a day through heavy traffic to and from his job at a smoke-detector I factory in suburban Chicago. But the machinist's commute greatly improved last spring when his employer offered him a sweet deal, a $5,000 loan for a down payment on any home within 15 miles of the St. Charles, Ill., factory. The money allowed Quadri to buy a spacious blue colonial.
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