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spend the money
get the million, if you screw up really bad, and there is always that chance, do you want to lose everything you have worked for? I have a million on my truck, a million business liability, and 10,000 on my equipment and it costs about $1700 a year. Dont take any chances there are alot of blood sucking lawyers out there just looking to sue you and make some $$$$
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Assumption is the mother of all screw-ups
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