That said, today I spent some time trying to reach the folks at Crest Financial.

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"The company's having a hard time doing anything wrong, " said Mark Bachman, an analyst at Pacific Crest Securities.

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When it comes time to descend, there are two ways down: walk back down along the crest you climbed up or sand-ski down the slope.

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But if before signing she talks to Allstate, Crest can send the million to Allstate which will pay out the amount, plus interest, over whatever period of time Gabby wants.

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