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When he was a boy working summers as a cowboy and picking crops on the Texas-Mexico border, RICARDO ANZALDUA never imagined that one day he would be the top lawyer at one of the world’s largest insurance companies. Anzaldua grew up in Pharr, Texas, a town so close to Mexico that it is connected to the Mexican city of Reynosa by a bridge. The 59-year-old attorney, who came late to the study of law, is now in charge of the legal department at MetLife Inc., the largest life insurer in the United States.