[NickyC]

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The whole insurance thing is completely ridiculous.
What *really* pisses me off more than anything however is the complete lack of dignity you show the losing player, in this case Eli.

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Since Eli is the one normally fronting Phil insurance, you can't feel too bad for him in this particular case.

I don't have a problem with the insurance. I think Phil is screwing around myself.

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Ahh, that's a good point sir. I didn't realize that.