NEW YORK — Frustrated with cosmetics she felt were unflattering to Latina skin tones, three years ago makeup artist Monica Ramirez decided to take matters into her own hands.

An excellent idea, since according to “The Latina’s Bible” by Sandra Guzman, Hispanic women spend $1.6 billion annually on cosmetics, fragrances and personal-care products. And they spend 27 percent more on cosmetics and 43 percent more on fragrance than the general market.

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