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Do you insure your layout?
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Insurance? What insurance does is insure that the agent can send his kids to the best colledges. Insure that he can drive a car that I can't begin to afford. Every claim I've ever had I got screwed royal . I've got more than 10 grand tied up in trains, and I'll keep my money in my pocket, thank you very much. With premiums what they are now, if you make it ten years without a loss, and then if you lose it all, you still come out ahead.
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