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There probably isn't really reason to have one. The only way it's going to be beneficial to you in the case that your cable modem goes down, is to dial into a service which you'll have to pay for anyway aside from your cable bill.
I would probably just pass on the modem.
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"You hear the one about the fella who died, went to the pearly gates? St. Peter let him in. Sees a guy in a suit making a closing argument. Says, "Who's that?" St. Peter says, "Oh, that's God. Thinks he's Denny Crane."
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