Do I need to pay this off??

[banditdad]

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banditdad strongly disagreed with my idea that checking-through on the river would be bad

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Re-read this post because I think my word-order might have tripped you up a bit.

I am saying that my idea was 'checking through on the river would be bad' and that you 'strongly disagreed with my idea'.

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My mistake. I misread your post. And while I may not agree you at least give reasons for making the river bet.