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I don’t think you have pins at all. It looks like you just pull the string through the hole. That ‘pin’ is just the end of the string. Pull a new string through and the bead will just stop there.
If you haven’t changed strings before, YouTube it. It’s not difficult, but it’s easy to break one by going an octave to high and what not.
I would be shocked. Absolutely shocked… If the savings weren’t much, much more.
Health insurance companies are leeches.