Early last year, our new 27-inch HDTV broke after only 11 months. (Twenty-seven inches might be pathetic compared to what you have in your house, but it was my pride and joy. Were our house to catch on fire, and I had to decide which to save, the dog or the TV, I pray the dog would be smart enough to chase the guy carrying the big TV.)

We'd bought an extended warranty, though, one that promised that if you had a problem, any problem, they'd send a repairman out to the house to fix it. ...

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