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#2077 Jan 13 2017 at 6:57 PM Rating: Decent
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ElneClare wrote:
At the rate they are trying to end the ACA without a replacement and cut Medicaid and Medicare, I might just have to live on the streets, to beg for money to afford my medical care and if that is the case, I might as well do it down around Capital Hill instead of here in Baltimore.


You had health care before the ACA passed right? You will have the same health care after it's repealed. See how that works?
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#2078 Jan 13 2017 at 8:56 PM Rating: Good
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gbaji wrote:
ElneClare wrote:
At the rate they are trying to end the ACA without a replacement and cut Medicaid and Medicare, I might just have to live on the streets, to beg for money to afford my medical care and if that is the case, I might as well do it down around Capital Hill instead of here in Baltimore.


You had health care before the ACA passed right? You will have the same health care after it's repealed. See how that works?


I've been on Medicaid before ACA and will be if they repeal it. The problem is they are talking about changing the way Medicaid is funded.

They plan to change funding to block grants to states and the problem with that is each state will have only a limited amount to spend each year on Medicaid. If suddenly more people qualified due to economic downturn, the states will have to decide either to change the income limits, or services they cover or take from state funds to cover people.

They also want to cut Social Security programs and I'm afraid one area that they will feel they can cut without caring how it will affect millions of people is Supplemental Security Income (SSI)

So why most people who have a decent job security and health insurance, may not have to worry much, Disable American's who have benefited from the passing of the ACA do worry with good reasons.

Anyone with preconditioning conditions need to worry.

All my friends who have diabetes and use insulin are worried, that they will no longer be able to afford it.

Yes we are scared and I belief rightly so.

BTW Jonwin and I have broken up and he has told me that once I can, I need to move out. I had to reapply for SSI in Dec. and now waiting for word of if they will agree that I'm still too disable to work. Affordable housing is Maryland is nearly impossible to get right now. Section 8 waiting lists have grown so long that they aren't taking new applications. My only choice may be to move down to South Carolina to live with my youngest daughter, as my other two daughters don't have room for me inn their homes.

I want to be able to stay in Maryland, as it's a state with democrats in control of the state, even with our current Republican governor. Any cuts to medical services here will be less then in S.C. Our Mental Health Services are far better and I rather deal with our weather then politics in S.C. Plus our economy under a Federal Government controlled by Republicans, is less likely to suffer then in S.C.
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In the place of a Dark Lord you would have a Queen! Not dark but beautiful and terrible as the Morn! Treacherous as the Seas! Stronger than the foundations of the Earth! All shall love me and despair! -ElneClare

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#2079 Jan 13 2017 at 11:26 PM Rating: Good
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This made me Smiley: lol Observer story about person with Obamacare posting about the takedown of Obamacare!
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#2080 Jan 14 2017 at 5:27 AM Rating: Good
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You realize the likelihood of that being a legitimate exchange is almost non existent, right?

It's like the conversations with anti-hunters who reply that people should just go to the supermarket and buy their meats there, where animals are not harmed.
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#2081 Jan 14 2017 at 9:50 AM Rating: Good
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I said it made me laugh not that it was legitimate. I don't think that SNL skits are real, either, but they can be funny.
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#2082 Jan 15 2017 at 4:18 PM Rating: Excellent
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Jophiel wrote:
Legislative term limits are dumb. All they do is remove voter choice and consolidate power into unelected staff and advisors with no direct accountability. You don't like your nine term legislator? Vote for the other guy.
That's the problem. "Vote for the other guy" is the correct solution; however, people aren't informed and/or active. As a result, legislators take advantage of that ignorance and other possibly more efficient people aren't elected due to name recognition. Plus, it is evident that politicians tend to behave more "true to nature" when they have nothing to lose.
#2083 Jan 16 2017 at 4:16 AM Rating: Excellent
gbaji wrote:
Jophiel wrote:
Think it's based (partially?) on use of pseudo-uBB code. I saw an old post of mine where I used six smiley tags and it flagged it as abuse. Aside from those tags, it was a relatively modest sized post and had no censor-breaking tags.

Really, there's probably less than 30 people actively using the boards/comments. Talk about "fixing" a problem that didn't exist...


I think the issue is that the filter is picking up any "bad word" even if it's part of another word. So arsenal gets flagged. And words like assets get flagged. And, well, a ton of other stuff that shouldn't be.

Obviously, the longer the post the more words will be flagged, until it hits some "bad word" filter limit. There is literally not a single actual banned word in the post that was blocked.


This hopefully should be fixed now. Let us know if you guys run into anymore posts being incorrectly flagged. Sorry folks!
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#2084 Jan 16 2017 at 8:55 AM Rating: Good
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More Hamill Trump.
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#2085 Jan 16 2017 at 5:49 PM Rating: Decent
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ElneClare wrote:
I've been on Medicaid before ACA and will be if they repeal it. The problem is they are talking about changing the way Medicaid is funded.

They plan to change funding to block grants to states and the problem with that is each state will have only a limited amount to spend each year on Medicaid. If suddenly more people qualified due to economic downturn, the states will have to decide either to change the income limits, or services they cover or take from state funds to cover people.


Who is "they"? I think part of the problem is that "they" is usually a bunch of people opposed to anything the GOP is planning, and they're selling you the absolute worst case super scary scenarios to make sure you oppose it as well.

As to changing how it's funded, isn't block grants how it's always been funded? Honestly not sure, but is that really an issue? The blocks to states are based on aggregate state need, so if there's a downturn in your state, and more people in need, the block size increases. There's no real difference except that perhaps your state has a bit more control over how the money gets spent and can tailor the assistance to the wants and needs of the citizens in your state. Which is usually a good thing.

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They also want to cut Social Security programs and I'm afraid one area that they will feel they can cut without caring how it will affect millions of people is Supplemental Security Income (SSI)


Again, who is "they"? And this isn't specifically about the repeal of the ACA. You're lumping a bunch of "scary things" into one basket to make it appear larger. Let's stick to just this one thing for the moment.

Quote:
So why most people who have a decent job security and health insurance, may not have to worry much, Disable American's who have benefited from the passing of the ACA do worry with good reasons.


Disabled Americans, by and large, did not actually benefit from the passage of the ACA though. That's the starting premise that is affecting your conclusion. Prior to the ACA, medicare and medicaid provided health care to retired and disabled Americans. So if you were in one of those categories, you were covered. With the passage of the ACA, funding for those things got "shared" into funding for "everyone without health insurance". In other words, the ACA actually took money earmarked for disabled and retired Americans and handed it to other people to use to buy health insurance. They took money out of those funds in the range of half a trillion dollars.

By any objective measure, you were actually harmed by the passage of the ACA, not helped. I know that the rhetoric is pretty thick, and you've been likely sold a whole lot of roses and puppies about Obamacare, but the reality is that it was a massive shift of funds from the existing medicare and medicaid programs to the public health care co-ops, most of which have subsequently failed and gone bankrupt, leaving the funds that you were supposed to depend on for your health care in danger. Obama screwed you over. And you're screaming for it to continue. Which is what I find astounding.

The only people actually benefited by the ACA was the small percentage of people who were unemployed or underemployed, who could not afford to purchase health insurance directly, but who did not qualify for either medicare or medicaid. That's not you btw.

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Anyone with preconditioning conditions need to worry.


Again though, this is a phrase that gets bandied around and misused. Most people hear "pre-existing condition" and assume that anyone with an ongoing illness is refused coverage (or even used to be) if they attempt to obtain health insurance. That's not what it means in this context though. In this case, it really means "a major and expensive condition that existed prior to ever obtaining any health insurance at all during your entire lifetime". If you have insurance X, and you have an existing condition, when you transfer to insurance Y, that company will cover you. It's always been like this because the industry is treated as a whole unit in this regard.

The only case of denying coverage is when someone never pays for any health insurance for their entire life, and then only when they contract some major illness they show up and want to pay a standard premium and have the insurance cover their expenses. This is the equivalent of buying home insurance after a fire burns down your house. No one's going to cover you after the fact. It's up to you to be responsible and make a choice to buy insurance ahead of time. It's your risk to take.

I'll also point out that not having health insurance is not the same as not receiving health care. If you show up with a health problem, you will be provided for, at least to the point of life saving treatment. And there are a host of methods to provide for those who can't afford treatment as well. The big lie of the ACA was that the absence of a big government program to provide that treatment meant that it didn't exist at all. While there certainly were people who fell between the cracks, the correct solution should have been to find and fill the cracks, not completely remake the whole system in such a way as to create more problems than were solved.

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All my friends who have diabetes and use insulin are worried, that they will no longer be able to afford it.


Will they actually not be able to afford it? Or are they just worried that they wont? Were they able to obtain insulin prior to the passage of the ACA? Why then assume they wont when it's repealed? Again, it sounds like a whole lot of fear and not a lot of foundation for that fear.

Quote:
Yes we are scared and I belief rightly so.


I don't believe so. I think the "world is ending" hysteria is very much a creation of scare tactics the Left is tossing out there for everyone to build on. The ACA provided very few actual tangible benefits, a whole lot of negatives, but has been painted as though it's the salvation of sick people nation wide. It's amazing to me how often I'll talk to someone who's playing up the virtues of Obamacare, and talking about how great is it that finally we can all have health care now that the ACA exists. I always ask them "So you didn't have health care before the ACA?". To which I usually get a reply like "Oh. I did. But I know there's a bunch of people who didn't, so it helps them". To which I ask "Ok. Who? Do you know anyone directly?". It's always "Someone I know, knows someone who was benefited by Obamacare". But you talk to that person, and it's also "someone I know, knows someone", etc, etc, etc.

And yes, I know there are people on the public exchanges. But here's the thing. The vast majority of those on those exchanges either didn't want to or need to be there (ie: the mandate forced them to buy health insurance they didn't want to buy), or they would have received health insurance coverage via employment or direct purchase if the ACA hadn't passed, but went on the public exchange because it did. So that 20 million number? Probably 15-18 million of them would have had health insurance via alternative means if the ACA had never been passed. It didn't actually benefit them. The numbers are just rigged to make it look like it did.

And the 100+ million people who saw their health insurance premiums increase by 30-50%, and their deductibles double, and their coverage range shrink? They got screwed. They're paying more for less. All to provide a freaking illusion of covering more people.

It was a terrible law from day one. It was designed to be a terrible law. The obvious intent of the ACA was to break our health care system so badly, that in 10-15 years the public would demand a fully socialized system. It was never intended to make health care or coverage "better". Which is why it's so amazing that so many people still try to praise it like it's the second coming or something. It was a bad law. It should never have been passed. Repealing it is a very good thing.

While I'm not going to cheer lead for the GOP on this issue either, they are at least presenting proposals that might make the actual issues afflicting our health care system "better". Ironically, it's the same things they proposed back in 2009, but where ignored. Things like allowing insurers to compete across state lines (so more choices for the consumer, which is always a good thing). Things like tort reform. And yeah, they'll look into alternatives to help out people who find themselves falling through the cracks of the system as well. How many of these things will get done? I don't know. How well will they work? Also don't know. But at least their plans and proposals don't actually break anything.

And that's a good thing.
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More words please
#2086 Jan 16 2017 at 6:42 PM Rating: Good
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gbaji wrote:
[quote=ElneClare]...Lots of words meaning nothing....


Wrong on all counts.

Medicaid is currently paid jokingly by state and federal dollars, based on number of people enrolled and the services they use. It's not a block grant. It's pays base on the services each medicaid enrollee is given. There are limits on what can be covered and each state will decide on income limits and services provided, based on federal guide lines.


Since I rely on Medicaid for health care, I have had to check what is cover under Maryland's MCO health plans and pick a plan that will best fit my medical needs.

It's hard sitting next to other patients knowing that they will get better care then I do, because of their employee health plans will cover newer treatments, then Medicaid covers.

Thankfully I have have a doctor willing to make sure I can get one medicine that is off the Formulary, because of the fact that the cheaper medicine they normally would give for my condition has side effects I can't deal with due to other medical conditions I have.
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In the place of a Dark Lord you would have a Queen! Not dark but beautiful and terrible as the Morn! Treacherous as the Seas! Stronger than the foundations of the Earth! All shall love me and despair! -ElneClare

This Post is written in Elnese, If it was an actual Post, it would make sense.
#2087 Jan 16 2017 at 7:39 PM Rating: Decent
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ElneClare wrote:
Wrong on all counts.


Well, on one. I actually thought, given how long it's been talked about, that we had actually implemented some form of block grants at some point in time. Apparently, that wasn't the case. Again though, that doesn't mean that it's a bad idea.

Quote:
Medicaid is currently paid jokingly by state and federal dollars, based on number of people enrolled and the services they use. It's not a block grant. It's pays base on the services each medicaid enrollee is given. There are limits on what can be covered and each state will decide on income limits and services provided, based on federal guide lines.


Yeah. A block grant system would give the states more leeway in terms of what they cover and how. I get that the reaction to this is always "OMG! They're going to cut my coverage!!!", but the total initial dollars would be the same. The difference is the same thing conservatives always try to insert into these sorts of programs: competition and comparison. When every state uses the exact same federal requirements for funding, there's no way to tell if there is a better way of doing things. When you have 50 states, and each can develop their own guidelines, then each state can look over the fence at the others and see what works and what doesn't. Over time, all 50 states can gravitate to systems that actually work better, while keeping costs down (or at least decreasing cost increases over time, which amounts to the same thing).

Assuming that if control of spending was in the hands of state authorities rather than federal that this would magically result in a loss of your benefits is pure fearmongering. Why assume that? The federal bureaucracy is just as likely to do dumb or harmful things as the state. Again, the difference is that if the federal government makes a decision that screws you over, you have no recourse. If the state does, you can always move to a different state, have more voting power to affect decisions in your state, etc. There are advantages to a republican system of government, and that's one of the big ones.

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Since I rely on Medicaid for health care, I have had to check what is cover under Maryland's MCO health plans and pick a plan that will best fit my medical needs.


Sure. Again though, you have no reason, other than sheer fear and speculation, to assume that your care will get worse as a result of any currently proposed change. The commitment to provide for disabled and retired Americans is not going away.

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It's hard sitting next to other patients knowing that they will get better care then I do, because of their employee health plans will cover newer treatments, then Medicaid covers.


Do you understand that a large part of that is precisely because the federal government determines what is and isn't covered? Instead of assuming that a block grant system would remove your benefits or diminish them in some way, why not be optimistic instead? It's entirely possible that once unshackled from federal restrictions, the state you live in could implement coverage that matches those of the private employee health plans, and you'll find yourself getting better care than you are currently.

Obviously, this is all speculation at this point, but there's no reason to assume that speculation in one direction is fact, and ignore speculation in the other direction. Again, the underlying theory behind this (and frankly, a lot of Conservative proposals) is that when you allow choices to be made at a smaller and more local level, while it certainly allows for the possibility of some bad choices, over time, more good choices will be made as each region can adjust their spending choices to what works and away from what doesn't. I happen to think it's a pretty valid theory. It's certainly more likely to result in positive outcomes than a gigantic one-size-fits-all federal methodology.

Why not give is a chance and see what happens?

Quote:
Thankfully I have have a doctor willing to make sure I can get one medicine that is off the Formulary, because of the fact that the cheaper medicine they normally would give for my condition has side effects I can't deal with due to other medical conditions I have.


Ironically, this is another thing that becomes more common with the "small/local" model. Doctors become less restricted in their choices as well, as regulations from on high cease to be as strict. When you give health care providers wiggle room, they tend to use it to help their patients. When you tie their hands, they're kinda stuck. Again, I'm not saying that block grants are the solution to all problems, but they do at least present a possibility of better care. And that's only one change on the list of things being considered. It may not even happen, and then you'd be all alarmed for nothing.

Edited, Jan 16th 2017 5:42pm by gbaji
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More words please
#2088 Jan 17 2017 at 8:15 AM Rating: Good
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gbaji wrote:
I think part of the problem is that "they" is usually a bunch of people opposed to anything the (any group) is planning, and they're selling you the absolute worst case super scary scenarios to make sure you oppose it as well.
It is quite a shame how "some people" listen to "them" and don't even recognize it.
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#2089 Jan 17 2017 at 11:25 AM Rating: Good
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lolgaxe wrote:
gbaji wrote:
I think part of the problem is that "they" is usually a bunch of people opposed to anything the (any group) is planning, and they're selling you the absolute worst case super scary scenarios to make sure you oppose it as well.
It is quite a shame how "some people" listen to "them" and don't even recognize it.

This is why I get all my news from Bernie Bros. Also, CNN, Fox, USA Today, WSJ, local rags(for local stuff) and Twitter. Because Twitter is a great source of unbiased news.
#2090 Jan 17 2017 at 2:03 PM Rating: Excellent
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I get all my news from ValPak coupon mailings. I can read the economy by the number of discounts I get on canned soup and gold dollar coins.
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#2091 Jan 17 2017 at 3:42 PM Rating: Good
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I get all my economic news from the price of baby skulls. It's a better economic indicator than the Dow.
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#2092 Jan 17 2017 at 3:49 PM Rating: Decent
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I just look at what reasoning the gold selling commercials are using to get me to buy their product.

"Gold is at a historical high and will just keep on increasing! Buy!"
"Gold has never been cheaper and is poised to go up! Buy!"
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King Nobby wrote:
More words please
#2093 Jan 17 2017 at 5:49 PM Rating: Excellent
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My favorite is "Silver is currently selling for below its rate of production -- you're buying silver on sale! Buy now!"
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#2094 Jan 18 2017 at 8:20 AM Rating: Good
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My favorites are the coins. Spend twenty dollars to buy a quarter you'll never spend. I get it's for collectors, I just don't get collecting money.
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#2095 Jan 18 2017 at 1:21 PM Rating: Good
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lolgaxe wrote:
I just don't get collecting money.


That's why you'll never understand conservatives.
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#2096 Jan 18 2017 at 2:07 PM Rating: Good
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Trump tells the Washington Post that his 2020 re-election slogan is going to be "Keep America Great."
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#2097 Jan 18 2017 at 3:27 PM Rating: Excellent
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"America is now great, but is it as great as it could be?"
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#2098 Jan 18 2017 at 7:22 PM Rating: Good
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So what will Trumps' opponent's slogan be?

Quote:
2020, Hindsight's a *****.
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#2099 Jan 18 2017 at 8:18 PM Rating: Good
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Professor stupidmonkey wrote:
I said it made me laugh not that it was legitimate. I don't think that SNL skits are real, either, but they can be funny.


Maybe it is closer to the truth than I thought!



I know this is edited for the sake of humorous value, and that is why I am posting it!

It made me laugh, and I hope to share the laughter!
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#2100 Jan 18 2017 at 8:30 PM Rating: Decent
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lolgaxe wrote:
My favorites are the coins. Spend twenty dollars to buy a quarter you'll never spend. I get it's for collectors, I just don't get collecting money.


One of the major complaints about those sellers (and I think one of them got sued over this semi-recently), is that they present themselves like they're allowing you to "invest in gold/silver", as in actually having a given physical weight of the metals tied to the trade value of that metal by weight. But they engage in bait and switch tactics and funnel people into buying what is essentially collectible gold/silver coins. Which aren't valued (and priced) entirely based on the weight of metal in them, but on some other valuation as a collectible coin.

You *can* obtain actual bars/ingots of gold/silver through those vendors, but they do everything they can to direct you to their coins instead. Um.... Because that's how they actually make a profit. They basically play on the whole "must have the metal in physical form in my hands" mentality. Which I guess I get to a point. But honestly, if you just invest in gold or silver futures online as a commodity, you can avoid the middle man. Yes, you get a valuation in virtual electronic form, but so is your bank account number. So are all other investments you may hold. I guess maybe I'm not the prepper type, but I have a sneaking suspicion that if society/economy collapses to the point where your investment certificates (electronic or otherwise) become unusable for some reason, we're probably in a lot worse shape anyway. And a bar of gold isn't going to help you. You can't eat it, right? You'd be much better off investing in farmland out in the middle of nowhere and a stockpile of weapons to defend it against the hordes of hungry displaced people such a collapse would create.
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King Nobby wrote:
More words please
#2101 Jan 18 2017 at 8:34 PM Rating: Excellent
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Bar of silver would be nice after the werewolf apocalypse.
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Wow. Regular ol' Joph fan club in here.
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