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Dear Friends: I am a retired attorney. A few years ago a man came to me with a letter. He asked me to verify the fact that this was legal to do. I told him I would review it and get back to him. When I first read the letter my client brought me, I thought it was some ?off-the-wall? idea to make money. A week and a half later we met in my office to discuss the issue. I told him the letter he originally brought me was not 100 % legal. My client then asked me to alter it to make it perfectly legal. I asked him to make one small change in the letter.