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To: Elmer Phud who wrote (177828)5/6/2004 11:59:49 PM
From: rkral  Read Replies (1) | Respond to of 186894
 
OT ... elmerp, re "The homeowner has created value without incurring any expense. "

In this scenario, that's impossible IMO. What the heck do you think "exchange of fair value" means? Ron