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				Originally posted by Redjake  
I would do what Cynth said too.  Don't bring the insurance into this, it will turn into a huge headache.  Also, that written statement doesn't mean shit unless a public notary signed it and witnessed it (I think).  Or a lawyer.  I may be wrong.  Does anyone have any info on that? 
			
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 Well, it just so happens that I am a public notary and I witnessed the signatures, so we may have lucked out there...