“… The “dirty secret” of the insurance industry is that most denials can be successfully appealed…”

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7 points

Hehe her dog is a donut hole with a PhD.

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3 points
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I think the PhD may be honorary in Timbit’s case. Though I suppose if she has a doctorate as well, she may have used him as a rubber duck, and therefore given him credit on her Doctorate Thesis, thereby granting him a doctorate as well? I dunno if that would work.

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