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Soon after, Minkow branched into the " insurance restoration " business.
With the help of Tom Padgett, an insurance claims adjuster, Minkow forged numerous documents claiming that ZZZZ Best was involved in numerous restoration projects for Padgett's company.
Padgett and Minkow formed a fake company, Interstate Appraisal Services, that verified the details of the restorations to Minkow's bankers.
Flush with loans from these banks, Minkow expanded ZZZZ Best across Southern California.

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