CAMPBELL, Calif. -- Whizkid Scott Cooley used the $700 left from his student loan to create Contour Software, now the largest provider of residential mortgage loan software in the U.S.

Flourishing in Silicon Valley, Contour Software has won over 4,000 customers since its founding in 1982. Mr. Cooley, 33, owns 100% of the business and refuses to release the company's financials. But in an interview last week, he said revenues were up 35% in fiscal 1993.

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