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It is better to wait on the letter from the hospital¡Çs lawyer informing the family of the deceased of the law suit against their estate because the insurance company refused to honor their contract,and pay

I think you raise a lot of interesting points Rod. The whole economics of downloading is mystifying at the best of times. iTunes will put a whole album up for $9.99 Canadian that might retail for between $14-$20 cdn in a record store. But I¡Çve also seen on iTunes box sets that cost $60 go for $9.99 too!