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Sorry, but neither Phoebe or Chloe are spunky to me. Phoebe has Charmed and Friends attached to it, Chloe is already slightly over-used to me.

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If I was forced to chose either, I'd probably go with Chloe, just because I prefer the sound and meaning to the clunky Phoebe. A perfect spunky name in my-not-so-humble opinion is Nina.