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i refuse to buy this 'insurance' because the god damn manufacturer ought to stand behind its product - and so should the fucking store. but in some cases it can be useful, i think if you buy it you can basically take a shit all over whatever you buy and return it for new.
dude with the laptop - unless im mistaken, they should replace that damn thing for you if you paid for the extended warranty - maybe you should have spilled some water on it and returned it 'totaled' instead of fixable.
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