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I say, I can afford to eat the difference myself. Since the insurance company is making money off the transaction, I'll just keep that for myself. I won't buy it unless I can pay cash anyways.
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per·son \ˈpər-sən\ (noun) - an ephemeral collection of small, irrational decisions
The fun thing about evolution (and science in general) is that it happens whether you believe in it or not.
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