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Hello everyone. I see a lot of people on the forum are from the south it looks like. I have read these forums for some time but never got around to making an account and posting. I work for a captive and mostly do P&C but write pretty much about anything.
I'm also in Minnesota, the north metro. What part are you in? I'm not part of the pool, but a couple years ago we had to wait until spring to put my great grandma into the ground.