 Well, that's a fine insurance company you're with, Gibbons. I'm sorry, Mr. Conklin, but our inspector looked at the fender this morning, and he says the dent can be hammered out for about $40. But I don't want it hammered out. I want a new fender. What am I paying insurance premiums for? Sorry, Mr. Conklin, a new fender would cost over $150, and the dent you have doesn't justify it. Since your policy is a $50 deductible, you'll have to stand the expense yourself.