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These application templates are out-of-the-box custom scenarios tailored to address the needs and requirements of specific business processes or sets of tasks in organizations of any size. They also provide a starting point for partners and developers looking to build deeper SharePoint-based solutions. The templates make use of Windows SharePoint Services 3.0 capabilities and are compatible with Microsoft Office SharePoint Designer 2007 to help make customization easier.

And ALL FREE……

Can’t beat that