Expression: "The problem is..."

Hi

Could you please tell me if I have punctuated the following sentences correctly? [color=red][especially the red]

Thanks,

Tom

You’ve written them how I would. Maybe we’re both wrong!

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That’s the way I’d write them, too.
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Hi,

In my humble, non-native opinion, the first sentence needs a comma after ‘policeman’.

Regards

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On second thought, SkiIuck, I think you’re absolutely right.
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I agree too!