FRANK, Judge.
At the time of the parties' marriage in 1966, the wife was 18 years old and employed by Fruit Harvesters; the husband was 22 years old and employed by the W.R. Grace company. They were high school graduates, and neither possessed substantial assets. Shortly after marriage, the wife's father gave her a duplex which he titled only in her name. Later in that same year, 1966, the wife and her father borrowed
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