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Simon Cowell surprises Randy and Amy.

Wanting to get into the giving spirit, Simon has a surprise for Randy and Amy.

"I didn't know what to do in this situation other than to do something which I hope will help," Simon says. "I know that you're having trouble with your mortgage. And as of this afternoon, [it] is being paid off."

Simon says writing a $162,000 personal check won't be the end of his involvement with Amy, Randy and Madelaine. "It doesn't stop there," he says. "If there's any problem, I'm her guardian angel now."

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