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<PAGE> 1
EXHIBIT 23.2
INDEPENDENT AUDITORS' CONSENT
We consent to the incorporation by reference in this Registration Statement of
PICO Holdings, Inc. on Form S-8 of our reports dated March 10, 2000, appearing
in the Annual Report on Form 10-K of PICO Holdings, Inc. for the year ended
December 31, 1999.
/S/ Deloitte & Touche LLP
San Diego, California
December 11, 2000
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