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<DIV>They are undoubtedly as frightening and helpless a situation as I ever hope
to be in. Fortunately, we have never lost our home but do know people who
have. Insurance is a good thing at such times. Recall that the last
one we had was about 1991 and it happened mid October. In other words,
wherever you are, if its dry don't relax just yet.</DIV></FONT></BODY></HTML>