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Hi Chris,
I fully agree with that, another thought as well is that you may end up with a replacement scope that not as up to scratch as the original or that replacement cheque may not be enough to cover the new scope that you wish to buy. Then there is time factor, you may have to wait a few months or more for the new one to arrive. There are too many variables involved to simply just think a replacement cheque solves all.
cheers
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