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> The credit is essentially in escrow until a decision gets made, but it definitely hasn't impacted my bank balance in any way.

That's perfect, but I guess our mileage may vary. I was charged the amount and VISA later credited it when everything was resolved (about 3 months start to finish). I didn't miss the $1300, but I'm sure it would be a concern to some.

I carry a small bright flashlight in my work bag now, just for dark airport garages where rental cars are often parked. I've never had a problem with a major agency but I don't need a first.




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