“There are bears at Lake Arrowhead and in the San Bernardino Mountains, which is a forested range about 60 miles northeast of Los Angeles, but they don’t wear costumes.”
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As one does…
So Step 1 in the insurance scam, buy a bear suit. Step 2, buy a Rolls Royce. See already it’s already way out of my budget. I guess that’s why they say it takes money to make money.