Rayvt,You wrote, So, basically, a visit was no better than a phone call and US mail.Not quite. I always get some kind of receipt dropping something off. That makes delivery to their home office their problem, while lost mail I sent would still be my issue. So having a local office can be nice from a safety standpoint. (Not long ago I hand-delivered a large settlement check to a local branch office for that very reason.)- Joel
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