Often shady insurance companies have a standing order to their staff to DENY a claim immediately, regardless of it's merits. They know many people will give up there.
I often substitute part or all the milk/cream in recipes with fat-free half and half, it gives a very nice texture and richness, without a lot of calories.
I often substitute part or all the milk/cream in recipes with fat-free half and half, it gives a very nice texture and richness, without a lot of calories.