I probably should not have gotten involved. I am 
not an expert in these fields, but I felt that 
something needed to be said.

I have only had 4 business classes (had to fill my 
college distribution requirements). However, three 
of them were centered on tort and copyright law. 
In regards to insurance, our family has had a fine 
art rider in one form or another for almost 40 
years. These things don't make me an expert, so 
take everything I say with a grain a salt. Just 
thought I should provide the background for where 
I am coming from. 

Catch you later,
Marcus