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Deanne Gallup often prints her digital pictures at home, but for Christmas, she wanted to use a family photo in her greeting cards. And that took her to the Best Buy store in Arlington, Texas. Gallup joined a growing number of Americans who are using photo processors, both online and at retailers, to print their digital photos rather than using their home printers. The availability of special theme cards and treatments, along with competitive prices, will lead 37 percent of digital-camera owners to use retailers and 15 percent to use online services this year. Story/5D