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Condolances to Rusty and Donna, a tough way to start the year. We got a bit of crappy news to get going as well. Our insurance company (Cigna) is refusing to pay for Joyce's back surgery, the excuse is that one of the bone replacement products is "experimental", even though it has been used in many thousands of surgeries. This could put us in the poor house to the tune of 1/2 million bucks. That pretty much does us in. Of course we will fight it to teh end but I sure hate @#$ing insurance companies