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The 2 lock washers are to accommodate the longer screw that was added shortly after the original design came out. It was found that with the longer screw and washers it helped with the balancing of...

Would the chuck need to be installed to get the credit?

Be expecting a call from Al for that Rock Chuck! :)

I have heard of a few that do have problems with getting their bits out of the rock chuck, no clue as to why though.