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While it rarely happens anymore, sometimes the airline can lose your luggage.  I'm not talking about your luggage being lost for a day or even a week.  I'm talking about losing your luggage permanently.  Gone. Forever.  If it happens en route to your destination and you're joining a tour, it really screws you up since you're on foreign soil and now have to buy everything anew.  On the other hand if you're arriving home, it's just as bad since you'll lose all of those nice souvenirs you bought along the way.  While the airline will take responsibility, they may not...

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