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Page 12: Across Native America; Northern plains; Oglala Sioux want mortgage options on trust lands; Southwest; Senate approves funding for four corners center; Campbell: Some progress on Animas-La Plata project; Southern plains; Byrd: Audit finds no illegal spending; Great lakes; Judge delays Hudson casino lawsuit until March; Ex-casino worker doesn't contest embezzlement charges; Northeast; Court says Mohawk liquor won't be returned; Southeast; Eastern Cherokee gamble on bottled water business; State examines Y2K computer risk.