<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN"><html><head><meta content="text/html;charset=UTF-8" http-equiv="Content-Type"></head><body ><div style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 12pt; color: rgb(0, 0, 0);"><div>Hi All,<br><br>Quick update. Nice rep said home is covered despite the home office. What she didn't say is what, apparently, the contract states: the coverage is reduced in proportion to the percent of home used for business. I used an LLM to unpack the legalese, which is full of serpentine references to other clauses, and uses language likely to decieve one into believing that only home day care work impacts coverage. I had ChatGPT write a letter asking for <i>written</i> clarification--forget friendly talk. Meanwhile, Amica auto-sent texts thanking me for my approvals, and I did not approve it yet, which I explained via Amica's communication systems, so there's a clear record. They also charged my bank despite my turning on auto-pay only for the car insurance, and there too I posted a memo indicating I did not intend this payment, again to produce a clear paper trail. <br></div><div><br></div><div>I'll let you know the final outcome of this saga. I imagine similar moves are happening at other insurance companies. <br></div><div><br></div><div>If you like puzzles, below is <i>some</i> of the relevant serpentine legalese. <br></div><div><br></div><div title="Page 13" class="page"><div class="layoutArea"><div class="column"><p><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:12pt">LIMITED HOME DAY CARE COVERAGE

ADVISORY NOTICE TO POLICYHOLDERS</span></span></b><br></p><ol style="list-style-type: upper-latin"><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">"Business"</span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">, as defined in the policy, means:</span></span></span><span class="size" style="font-size:16px"><br></span></p><ol style="list-style-type: decimal"><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">A trade, profession or occupation engaged in on a full-time, part-time or occasional basis; or</span></span></span><span class="size" style="font-size:16px"><br></span></p></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Any other activity engaged in for money or other compensation, except the following:</span></span></span><span class="size" style="font-size:16px"><br></span></p><ol style="list-style-type: lower-latin"><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">One or more activities:</span></span></span><span class="size" style="font-size:16px"><br></span></p><p style="margin-top: 0px;"><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">(1) </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Not described in </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">b. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">through </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">d. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">below; and</span></span></span><span class="size" style="font-size:16px"><br></span></p><p style="margin-top: 0px;"><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">(2) </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">For which no insured receives more than $10,000 in total compensation for the 12 months

before the beginning of the policy period;</span></span></span><span class="size" style="font-size:16px"><br></span></p></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Volunteer activities for which no money is received, other than payment for expenses incurred to

perform the activity;</span></span></span><span class="size" style="font-size:16px"><br></span></p></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Providing home day care services for which no compensation is received, other than the mutual

exchange of such services; or</span></span></span><span class="size" style="font-size:16px"><br></span></p></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">The rendering of home day care services to a relative of an insured.</span></span></span><span class="size" style="font-size:16px"><br></span></p></li></ol></li></ol></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">If you or any other insured regularly provides home day care services to a person or persons other than</span></span></span><span class="size" style="font-size:16px"><br></span></p><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">you or any other insureds as their trade, profession or occupation, that service is a </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business.</span></span></span></b><span class="size" style="font-size:16px"><br></span></p></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">If home day care service is not your or any other insured's given trade, profession or occupation but is an</span></span></span><span class="size" style="font-size:16px"><br></span></p><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">activity:</span></span></span><span class="size" style="font-size:16px"><br></span></p><ol style="list-style-type: decimal"><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">That you or any other insured engages in for money or other compensation; and</span></span></span><span class="size" style="font-size:16px"><br></span></p></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">From which you or any other insured receives more than $10,000 in total/combined compensation

from it and any other activity for the 12 months before the beginning of the policy period;</span></span></span><span class="size" style="font-size:16px"><br></span></p></li></ol><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">the home day care service and other activity will be considered a </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business.</span></span></span></b><span class="size" style="font-size:16px"><br></span></p></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">With respect to </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">C. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">above, home day care service is only an example of an activity engaged in for money</span></span></span><span class="size" style="font-size:16px"><br></span></p><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">that may be a </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Any single activity or combination of activities: </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">1. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Described in </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">A.2. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">above; and</span><span class="size" style="font-size:16px"><br></span><span class="size" style="font-size:16px"> </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">2. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Engaged in for money by you or any other insured;</span><span class="size" style="font-size:16px"><br></span><span class="size" style="font-size:16px"> may be considered a </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">if the $10,000 threshold is exceeded.</span></span></span></p></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">With respect to </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">A. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">through </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">D. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">above, coverage does not apply to or is limited with respect to home day

care service which is a </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">For example, this policy:</span></span></span><span class="size" style="font-size:16px"><br></span></p><ol style="list-style-type: decimal"><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Does not provide:</span></span></span><span class="size" style="font-size:16px"><br></span></p><ol style="list-style-type: lower-latin"><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Section </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">II </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">coverages. This is because your </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">or the </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">of any other insured is</span></span></span><span class="size" style="font-size:16px"><br></span></p><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">excluded under Section </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">II </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">- Exclusions;</span></span></span><span class="size" style="font-size:16px"><br></span></p></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Coverage, under Section </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">I</span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">, for other structures from which any </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">is conducted; and</span></span></span><span class="size" style="font-size:16px"><br></span></p></li></ol></li><li style="font-size: 10.000000pt; font-family: 'Univers'; font-weight: 700"><p style="margin-top: 0px;"><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Limits Section </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">I </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">coverage, under Coverage </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">C </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">- Special Limits Of Liability, for </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">property;<br> </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">a. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">On the residence premises for the home day care </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">to $2,500 in Forms </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">HO 00 03, HO 00 04 </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">and </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">HO 00 06 </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">and to $5,000 in Form </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">HO 00 05. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">This is because Coverage </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">C </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">- Special Limits Of

Liability imposes that limit on <span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business <span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">property on the residence premises;<span class="size" style="font-size:16px"> </li></ol></li></ol></div></div></div><blockquote><blockquote><div title="Page 13" class="page"><div class="layoutArea"><div class="column"><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">b. <span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Away from the residence premises for the home day care <span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business <span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">to $1,500 in Forms <span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">HO 00 03,

HO 00 04 </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">and </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">HO 00 06 </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">and to $2,000 in Form </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">HO 00 05. </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">This is because Coverage - </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">C </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">- Special

Limits Of Liability imposes that limit on </span></span></span><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">business </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">property away from the residence premises. This

limit does not apply to antennas, tapes, wires, records, disks or other media that are:</span></span></span><span class="size" style="font-size:16px"><br></span></p></div></div></div><blockquote><div title="Page 13" class="page"><div class="layoutArea"><div class="column"><p><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">(1) </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">Used with electronic equipment that reproduces, receives or transmits audio, visual or data

signals; and</span></span></span><span class="size" style="font-size:16px"><br></span></p><p><b><span class="font" style="font-family:Univers"><span class="size" style="font-size:10pt"><span class="size" style="font-size:16px">(2) </span></span></span></b><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px">In or upon a motor vehicle.</span></span></span><br></p></div></div></div></blockquote><div title="Page 13" class="page"><div class="layoutArea"><div class="column"><div><span class="font" style="font-family:Univers"><span class="size" style="font-size: 10pt; font-weight: 500;"><span class="size" style="font-size:16px"><br></span></span></span><br>CAUTION: This is a summary of the limited coverage provided in your Homeowners Policy for Home Day Care services. No coverage is provided by this summary nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations Page for complete information on the coverage you are provided. If there is any conflict between the policy and this summary, THE PROVISIONS OF YOUR POLICY SHALL PREVAIL. PLEASE READ YOUR POLICY CAREFULLY.<br></div></div></div></div></blockquote></blockquote><div><br></div><div title="Page 14" class="page"><div class="layoutArea"><div class="column"><p><br></p></div></div></div><div id="Zm-_Id_-Sgn" data-sigid="1535369000000073001" data-zbluepencil-ignore="true"><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">Best Regards,<br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px; min-height: 15px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px; color: rgb(170, 48, 37)"><b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">Rob Laporte</span></span></b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">CEO  |  R&D Manager<br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">DISC - Making Websites Make Money</span></span></b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><br><a href="mailto:Rob@2disc.com" target="_blank">Rob@2disc.com</a>, <span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">413-584-6500</span></span></span></span><br></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><a target="_blank" href="https://www.2disc.com">www.2disc.com</a></span></span><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"></span></span><br></div><div style="font-family: Verdana; font-size: 12px; line-height: normal"><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"></span></span><br></div><div><b style="font-family: Verdana; font-size: 12px; line-height: normal"><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"><span class="colour" style="color:rgb(153, 0, 0)">NOTE:</span></span></span></b><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"><span class="colour" style="color:rgb(153, 0, 0)"> Emails can be blocked by spam filters throughout the web. If you don’t get a reply within an expected span of time, please call.</span></span></span><br></div></div><div><br></div><div class="zmail_extra_hr" style="border-top: 1px solid rgb(204, 204, 204); height: 0px; margin-top: 10px; margin-bottom: 10px; line-height: 0px;"><br></div><div class="zmail_extra" data-zbluepencil-ignore="true"><div><br></div><div id="Zm-_Id_-Sgn1">---- On Tue, 04 Feb 2025 11:24:56 -0500 <b>Rob Laporte via Hidden-discuss <hidden-discuss@lists.hidden-tech.net></b> wrote ---<br></div><div><br></div><blockquote id="blockquote_zmail" style="margin: 0px;"><div><div style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 12pt; color: rgb(0, 0, 0)"><p dir="ltr" style="line-height: 1.8; margin-top: 5pt; margin-bottom: 9pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 12pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Hi All,</span></span></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin-top: 5pt; margin-bottom: 9pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 12pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Amica cleared up all but the crucial matter of home offices, for which they will get back to me in a day or two. Seconding Marcia, I have found Amica excellent, with my recent experience an exception. But Insurance companies are profit-driven, and obviously half of profit entails reducing payouts. Hence all the “”trust us” marketing. The last few years have been brutal on insurance companies.</span></span></span></span><br></p><div dir="ltr">I'll post the resolution about home offices when I get it.<br></div><div><br></div><div id="x_2131816539Zm-_Id_-Sgn"><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">Best Regards,<br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px; min-height: 15px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px; color: rgb(170, 48, 37)"><b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">Rob Laporte</span></span></b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">CEO  |  R&D Manager<br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">DISC - Making Websites Make Money</span></span></b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><br><a target="_blank" href="mailto:Rob@2disc.com">Rob@2disc.com</a>, <span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">413-584-6500</span></span></span></span><br></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><a href="https://www.2disc.com" target="_blank">www.2disc.com</a></span></span><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"></span></span><br></div><div style="font-family: Verdana; font-size: 12px; line-height: normal"><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"></span></span><br></div><div><b style="font-family: Verdana; font-size: 12px; line-height: normal"><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"><span class="colour" style="color:rgb(153, 0, 0)">NOTE:</span></span></span></b><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"><span class="colour" style="color:rgb(153, 0, 0)"> Emails can be blocked by spam filters throughout the web. If you don’t get a reply within an expected span of time, please call.</span></span></span><br></div></div><div><br></div><div style="border-top: 1px solid rgb(204, 204, 204); min-height: 0px; margin-top: 10px; margin-bottom: 10px; line-height: 0px" class="x_2131816539zmail_extra_hr"><br></div><div class="x_2131816539zmail_extra"><div><br></div><div id="x_2131816539Zm-_Id_-Sgn1">---- On Sun, 02 Feb 2025 16:09:10 -0500 <b>Alan Frank <<a target="_blank" href="mailto:alan@8wheels.org">alan@8wheels.org</a>></b> wrote ---<br></div><div><br></div><div id="zmail_block"><br></div></div><div><br></div></div><div><br></div></div><div>_______________________________________________ <br></div><div>Hidden-discuss mailing list - home page: http://www.hidden-tech.net <br></div><div>Hidden-discuss@lists.hidden-tech.net <br></div><div><br></div><div>You are receiving this because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 how re-insurance works to insure insurance companies), I thought it wise to use LLMs to scrutinize my formerly trustworthy Amica home and auto policies. </span></span></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin: 5pt 13.5pt 9pt 36pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">I uploaded all past and current docs to three top LLMs, and discovered that little word changes meant that my home would not actually be covered. The details are many and important, but I'll mention just salient issues:</span></span></span></span><br></p><ul style="margin-top: 0; margin-bottom: 0"><li dir="ltr" style="list-style-type: disc; font-size: 11pt; font-family: Verdana, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap; margin-left: 36pt"><p dir="ltr" style="line-height: 1.8; margin-right: 13.5pt; margin-top: 0px; margin-bottom: 0pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Language regarding home office use changed such that, say, a demolishing fire would not be covered</span></span></b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">, or at best would result in costly court battles to get the coverage one had in prior years. And guess what increased enormously since the pandemic? Home office coverage subdivides by important distinctions too involved to get into here.</span></span></span></span><br></p></li><li dir="ltr" style="list-style-type: disc; font-size: 11pt; font-family: Verdana, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap; margin-left: 36pt"><p dir="ltr" style="line-height: 1.8; margin-right: 13.5pt; margin-top: 0px; margin-bottom: 0pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">A little new text about security devices rendered a future claim easily dismissed.</span></span></b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> The new policy itemizes various wireless security and fire subsystems, inputting some I did not have, which gave a $35 discount. In prior years, none of those devices were listed. ChatGPT explained that this is one of several tricks insurance companies use: If I had not found it, and my home burned down, the insurance company could claim the misrepresentation is a kind of fraud nullifying the contract. And one of the features Amica pre-filled for me was a "Wi-Fi connected fire alarm" I don't have.</span></span></span></span><br></p><ul style="margin-top: 0; margin-bottom: 0"><li dir="ltr" style="list-style-type: circle; font-size: 11pt; font-family: Verdana, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap; margin-left: 36pt"><p dir="ltr" style="line-height: 1.8; margin-right: 13.5pt; margin-top: 0px; margin-bottom: 0pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Yes, you could fight that in court, but you'd likely have to settle for less than full coverage or else risk losing all at trial. </span></span></span></span><br></p></li></ul></li><li dir="ltr" style="list-style-type: disc; font-size: 11pt; font-family: Verdana, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap; margin-left: 36pt"><p dir="ltr" style="line-height: 1.8; margin-right: 13.5pt; margin-top: 0px; margin-bottom: 9pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Other little text changes since last year impacted full replacement costs, personal property coverage, town building ordinance costs</span></span></b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> during rebuild, and more. All of the changes either reduced coverage or injected ambiguity that corporate insurance lawyers love in denying claims. </span></span></span></span><br></p></li></ul><p dir="ltr" style="line-height: 1.8; margin: 5pt 13.5pt 9pt 36pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">When I called the insurance company rep (and got permission to record as they too record), she claimed that they had not gotten my contact form submission of questions I sent via a linked Google doc. I had gotten a reply that a rep would get back to me--after the renewal and auto-pay date I disabled. While spoke with a rep, I arranged emailing it directly to her, and she claimed she did not get it--while Google showed 6 new live viewers streaming in (the doc was viewable only via that emailed link). After some talk, I pointed out that several people just started looking at the doc right now, prompting the live viewers to drop off one after another like cockroaches when the light goes on. She said she'd have to refer this matter to the local branch who would call me Monday. A long hold early in the conversation--after I explained my LLM use--suggests she had already looped in managers and probably legal, who were not only viewing the doc but also must have been listening live. It seems insurance companies are gearing up for a trend of people using LLMs to scrutinize policies. </span></span></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin: 5pt 13.5pt 9pt 36pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Lesson: LLMs empower us to vet contracts rapidly.</span></span></b></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin-right: 13.5pt; margin-top: 5pt; margin-bottom: 9pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Similar LLM Uses and Related Career Opportunities</span></span></b></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin: 5pt 13.5pt 9pt 36pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">One can vet one's town property taxes.</span></span></b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> A neighbor into LLMs is currently making a little interactive app which (1) shows how much more or less one's home tax appraisal went up relative to one's street or any selected area, and (2) shows the maximum, minimum, and range of increases in a town. This enables detecting errors costing homeowners, and then getting LLM guidance on resolving the issue/s. </span></span></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin: 5pt 13.5pt 9pt 36pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">One can quickly assess Terms of Service (ToS) and Privacy Policy changes.</span></span></b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> I signed up for a crypto IRA ~5 years ago. Subsequently, they had some shady changes in storage and banking custodians. A few months ago, I could not log in to view or act unless I agreed to a new ToS. An LLM highlighted new risks in the new ToS, which were buried in the many pages. Now, after each login that requires clicking agreement, I email and post to customer service that I do not concede to the new terms. (I'll be moving from them soon; and BTW, how screwy is it that a long-term financial contract can be changed at any time?).<br></span></span><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Business Opportunity:</span></span></b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">  An enterprising soul could launch an LLM service that automatically scrutinizes one's ever changing ToS and Privacy Policies. I recall one scholar's research showing the typical person would need ~85 days per year to actually read all these shifting terms and policies. I bet people would pay $10+/mo to get alerts and summaries of risks for all the services they easily select for tracking.</span></span></span></span></p><p dir="ltr" style="line-height: 1.8; margin: 5pt 13.5pt 9pt 36pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Imagine the many ways</span></span><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> people with LLM proficiency could launch service businesses that help people and businesses</span></span></b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> manage vital information.</span></span></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin-right: 13.5pt; margin-top: 5pt; margin-bottom: 9pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><b><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Broader Implications for We The People</span></span></b></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin: 5pt 13.5pt 9pt 36pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">A bright side of LLMs, especially open-source ones that aren't censored, is that we can verify what officials, agencies, or governments said and when. News is for sale, but now, or very soon, truth is quickly available. There's a reason that the protagonist Winston in Orwell's </span></span><i><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">1984</span></span></i><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> works in the Ministry of Truth editing current and past news. And there's a reason the Internet Archive's WayBack Machine, which offers searchable, past date-stamped views of all important websites and pages, was attacked last year by lawfare and heavy DDoS attacks to take it down. </span></span></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin: 5pt 13.5pt 9pt 36pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">LLMs could be potent truth machines supporting the informed consent that is the lifeblood of Democracy.</span></span></span></span><br></p><p dir="ltr" style="line-height: 1.8; margin-right: 13.5pt; margin-top: 5pt; margin-bottom: 9pt"><span class="highlight" style="background-color:transparent"><span class="colour" style="color:rgb(0, 0, 0)"><span class="font" style="font-family:Verdana, sans-serif"><span class="size" style="font-size: 11pt; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Oh yes, LLMs pose menace too, but let's not overlook their bright potentials.</span></span></span></span><br></p><div> <br></div><div class="x_1837178706v1zmail_signature_below"><div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">Best Regards,<br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px; min-height: 15px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"> </span></span><br></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px; color: rgb(170, 48, 37)"><b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">Rob Laporte</span></span></b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">CEO  |  R&D Manager<br></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">DISC - Making Websites Make Money</span></span></b><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><br><a href="mailto:Rob@2disc.com" target="_blank">Rob@2disc.com</a>, <span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif">413-584-6500</span></span></span></span></div><div style="font-family: Verdana; font-size: 12px; line-height: normal; margin: 0px"><span class="size" style="font-size:13px"><span class="font" style="font-family:verdana, sans-serif"><a href="https://www.2disc.com" target="_blank">www.2disc.com</a></span></span><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"></span></span><br></div><div style="font-family: Verdana; font-size: 12px; line-height: normal"> <br></div><div><b style="font-family: Verdana; font-size: 12px; line-height: normal"><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"><span class="colour" style="color:rgb(153, 0, 0)">NOTE:</span></span></span></b><span class="size" style="font-size:16px"><span class="font" style="font-family:arial, helvetica, sans-serif, sans-serif"><span class="colour" style="color:rgb(153, 0, 0)"> Emails can be blocked by spam filters throughout the web. If you don't get a reply within an expected span of time, please call.</span></span></span><br></div></div></div><div> <br></div></div></div><div><br></div><div class="x_1837178706pre" style="margin: 0; padding: 0; font-family: monospace">_______________________________________________<br>Hidden-discuss mailing list - home page: <a href="http://www.hidden-tech.net" target="_blank">http://www.hidden-tech.net</a><br><a href="mailto:Hidden-discuss@lists.hidden-tech.net" target="_blank">Hidden-discuss@lists.hidden-tech.net</a><br><br>You are receiving this because you are on the Hidden-Tech Discussion list.<br>If you would like to change your list preferences, Go to the Members<br>page on the Hidden Tech Web site.<br><a href="http://www.hidden-tech.net/members" target="_blank">http://www.hidden-tech.net/members</a></div></div></blockquote></blockquote></div><div><br></div></div><br></body></html>