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This is fishing/dock/nursery web spider (family Pisauridae) in the genus Dolomedes - see http://tinyurl.com/let4wm for an image. They are harmless to humans, but can bite if mishandled. A leg span of more than 3.5" would be an exceptionally large specimen; people often overestimate the size of spiders, more so than for most other arthropods, and I'm not sure why.