Kyle<br><br>While I agree with the sentiment of your post, how well do you know the situation?<br>For instance, I am not sure about that particular Church's insurance policy, but there some policies one must replace items lost, with the same kind of items. It may be that the old organ was insured at $80,000 and they had to replace the organ itself with an organ of similar value.<br>This may not be the case, but perhaps you should check these things out first.<br><br>Tom