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Maybe you're playing a little bit of devil's advocate?

Absolutely! I knew the prevailing opinion here before I started the thread so simply saying "You're right" would have been a waste of all our time which is why I'm challenging you to support your statements.

I havn't made up my mind yet, but, like you, if I do give him or another FA money, I can always pull the money out with minimal cost and consider it a lesson learned.

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