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  Embarrass WI
 | I'm just careful with my phone. Haven't wrecked one since my last flip phone fell out of my pocket and I ran it over with a silage truck in about 2012. 
 If you crack a screen, they can be replaced. If the whole phone is lost or destroyed, used phones are easy to find on Ebay or Marketplace.
 
 $216/year will go quite a ways if you can go more than a couple years between incidents.
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