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I voted 1 also, but must say than among my long-time good "friends", no money would likely change hands (going either way). Stuff happens over the years..."toys" get dinged when they are used. To a stranger, $ will change hands...to a "friend'..."don't worry about it". BUT one MUST offer...to do otherwise in unthinkable in my world.
ps: I can think of several times over the years when boats were damaged, yet an offer to "cover it" was rejected. Life's short...move on...
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