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  Cliff, the only argument against open water solo, and you
  seem to have inadvertenly hit on it, is that the U.S. 
  insurance companies do not want to pay up without a body
  or at least convincing witness. The good thing about cave
  is that you can  usually get the body back. This does not in 
  any way imply that solo is not a good thing, it is, but 
  as Cliff points out - somebody needs to know where you are.

  We lost one in Cozumel, and I would have had a tough time
  believing she was really dead, since I had seen her stay up 
  on the 50 foot reef above us, there was no current, the water
  was air clear, it was flat calm, it was high noon, we looked
  everywhere on the surface and redove for the body, except for
  the fact that her young child was on the boat - not a good day.

  If I were the insurance company, I would have only the track
  record of Cozumel to make me really believe whe was dead. -G

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