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I've never liked Carmen. It seems masculine to me. I do like Carmina, though.
Gloria is pretty but not a favorite. This is the one of the three that could be used whether you're of Spanish heritage or not, I believe.
Luz is ok, but I know only one Luz--an older Filipino woman--and she's a pain in the neck. I did take care of a baby once whose mother's name was Luz and her married ln was Money. I thought that was hilarious! :)

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