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I've been robbed three times at gunpoint.
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You have terrible luck. Have you considered moving elsewhere? Like maybe the mountains of Wyoming?
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No, I've had great luck. I've lost an automobile (insured) and a wallet (a few bucks and some cancellable credit cards), but I'm still here. And I did move, from "inside the loop" Houston to the great metropolis of Willis, TX on Lake Conroe to raise my daughter.