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As per Osha, in a confined space, less than 10 percent LEL is considered safe
No they are not.
Between 13 and 14. Be on the safe side.
To unlock a combination safe after you have forgotten the combination, you should probably hire a professional, if not you may want to try the loud and noisy method of going at it with a chainsaw. (which still might not work depending on the strength and thickness of the safe.)
It is as safe as AIG is. No fixed annuity has ever lost any money, but bottom line, AIG backs the fixed annuity