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In pictures: Tsunami- my home in ruins
Repaying loan

"We have lived in this house for 10 years," says Niroshani.

"My father took a bank loan to purchase this. He is still paying 2,000 Sri Lankan rupees ($20) a month to pay off the loan. We have been staying at my grandmother's place ever since the tsunami destroyed our home.

"Everything has been washed away. We had three rooms and a small kitchen and everything is empty. It as as if we never lived in this house. But this place has 10 years of memory for me - it was our dream home."

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