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Fact or fiction. I would guess the latter. If nothing else it's good for a laugh.(Unless, of course, it's true, in which case it's just plain scary.) A Charlotte, North Carolina man, having purchased a box of 24 rare and very expensisve cigars, insured them against ... fire. Within a month...

LAIYA my love Maligayang Kaarawan! Best wishes from Pitumpu't Siyam