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Four Types of Shomrim (Mitzvot 57, 58, and 60)

Who is responsible for damage, theft, or loss when a custodian (a shomer) is appointed? To what extent is a custodian responsible for extraordinary damage? Why is a shomer chinam responsible at all? Does the Torah expect a paid custodian to be more careful?

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Delivered at the OU Israel Center, Wednesday, December 19th, 2018/11 Tevet 5779