Mr. Fertig said that run-up had been fueled by hopes for a third round of direct bond buying by the Fed, known on Wall Street as QE3.

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After waiting weeks for an appointment, Fertig learned that the diesel-powered Sprinters required separate inspection and another appointment.

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From there Fertig added hardwood floors, cabinets, desks, refrigerators, Wi-Fi capability, a hands-free intercom, color printers, wireless headphones for two 32-inch LCD-screen televisions and a touchscreen-controlled stereo system with eight speakers.

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