new clutch (my own fault) - $1200.

front fender and bumper replaced (my fault on the trail) - $1300 (ARB was $575 of that)
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"Nature has constituted utility to man the standard and test of virtue. Men living in different countries, under different circumstances, different habits and regimens, may have different utilities; the same act, therefore, may be useful and consequently virtuous in one country which is injurious and vicious in another differently circumstanced" - Thomas Jefferson, moral relativist