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WELL FOLKS SOME SAY YOU NEED IT SOME SAY YOU DON'T, SO BIG ERNIE IS GOING TO GET THE MAN THAT SUPPOSE TO KNOW IT ALL "BILL LUTZ" RACE CAR INSURER ON THIS MONDAY TO FIND OUT THE REAL SKINNY. SOME SAY HE WAS OUT OF BUSINESS, WELL LET'S HEAR IT FROM THE HORSES MOUTH. IS HE IN OR IS HE OUT????