I just wanted to inform you that we'll be covering your claim in its entirety. All we need is an estimate of the damages so that we can authorize the ...ecessary repairs." Repairs? You sent an appraiser down there to look at it and you're talking about repairs?" Err, ummm, well, sir, we didn-" Now listen to me. I am going to say it only once. You will send an appraiser to the site to verify the boat is a total loss. You will then authorize payment to cover that loss at replacement value, or I. ‘These old bones are not as strong as they once were. And you are the quickest student I’ve ever had.’ Tommy bowed again. ‘You honor me too much, sensei,’ he said. After the workout he showered and changed into his work clothes. He knew he wouldn’t have time to go back to Aunt Karen’s house to change, so he brought his things with him. Tina was already at work when Tommy got there and smiled brightly at him when he came in. ‘Hi, Tommy,’ she said. ‘Hi, Tina, how are you today?’ he asked. She. More

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