It's what happens when you get a cheap used rubber dinghy thats kept together with duct tape off of Craig's list. My home insurance covered the boat, not the silver. A shame.
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Don't feel bad. It's actually quite a common story. I know dozens of people that exact same thing has happened to. And it has happened to me, three times now. And to most of my friends. It's going around, I guess. You're in good company. Some day, if we an afford it, we'll pay to dredge that lake. It's huge though, could take decades to find it.