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for the seatbelt issue, i saw on one of those shows like 20/20 or 60 minutes, or something like that, i forgot which one. They did a story on seatbelts that failed during accidents. there was a part of the show where they explained that in an accident, something inside the car can bounce around and hit the seatbelt release button and accually unhooked the seatbelt. I'm guessing it's not a common event, but maybe that's what happened in your case.
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