David, I agree, but that's what claims people do -- they try to find a reason to deny. I don't know what else you can do except file an appeal at this point, you can't manufacture proof of value other than what you have.
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Net 54-- the discussion board where people resent discussions. 
My avatar is a sketch by my son who is an art school graduate. Some of his sketches and paintings are at
https://www.jamesspaethartwork.com/
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