... the majority of us would make good in a similar situation, but we (you and I) can boast till the cows come home regarding how wonderful we are... this has ziltch to do with both what Rick and Josh are up against w/o an oral/writ agreement pertaining to loss/damage if/when Rick's purchase is lost/damaged since there's no insurance and there is no provision, anywhere, that states a seller must redeliver and attempt to continue to redeliver at no additional cost to a buyer unless it is agreed upon between both seller and buyer within the agreement/contract.

I've leaned a long time ago to write (and keep writing) on every agreement/contract I'm involved with in order to make everything perfectly clear in case that contract/agreement was ever read in court. I think it helps greatly.

JB