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I do not need to read the code to be able to do a black box test on existing functionality.
Jeremy’s statement was that “if you insure an item, then sell it to someone else, it will still say [insured] but it is NOT insured for them, only for you - so if they die, it won't stay with them”. A simple test demonstrates that this statement is not true for the current release. So I can say that I am 100% sure that Jeremy’s statement is not completely accurate for that release.
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But if it is a glitch, generated by the coding of insurance, a "simple test" would yeild nothing of value.
In fact, "simple tests" are exactly how bugs get let out into the game...
About 2 years ago, Devs changed the way Explosion worked. It went past QA, but it still had a major glitch. If you died while casting, the cast timer wouldn't reset, and you could never cast explosion again.
If you wanted to buy a car, and the seller said, "The car has difficulty running after starting. Let me show you how to work it." Would you really just start it up, and say "sounds fine to me, it works 100% perfect" without fining out what really is going on?
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Jeremy’s statement would be true of items blessed with a character bless deed as that blessing is, obviously, character specific. By testing it is possible to achieve a reasonable level of certainly that insurance, on the other hand, is not character specific. Pass an item insured by one player to another player by whatever means you like - vendor, trade window, picking it from a container in a house or picking it up off the ground - and you can test that insurance still works for the character who now possesses the item.
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Again, you don't KNOW the code, so from someone who has years of coding experience, I would say it is very unreasonable to determine if insurance is bound by character or not. It may just be copy/pasted from bless clode, and altered... commenting out the player binding. One missed reference, and its glitch city.
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Anyway, you can learn a great deal about how the code works by testing and careful observation. Cheaters do that to come up with some of the bizarre hacks that plague UO. Those cheats are certainly more complex than a simple test to determine whether insurance persists beyond a vendor sale and were done without reading a single line of code.
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They are definately use thing more complex, because quie simply, a simple test only yeilds normal opperation, and not glitches.