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<PAGE> 1 Exhibit 1 INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in Registration Statements No. 3333-32045 and No. 3333-36881 of PICO Holdings, Inc. on Forms S-8 of our report dated June 30, 2000 appearing in this Annual Report on Form 11-K of the PICO Holdings, Inc. Employees 401(k) Retirement Plan and Trust for the year ended September 30, 1999. DELOITTE & TOUCHE LLP Columbus, Ohio July 27, 2000 17
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