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They have a formula for it and don't care one bit about it. Often times theres no SSL and many other security options are ignored.

I was shocked how much of law was simple find/replace on templates.

Would be great if a settlement.gov site was used for all claims or something of the sorts

It almost seems like it'd be in their best interest for them to be sketchy. It'd keep people from trying to get their settlement so that the time eventually runs out.