Good insurance plan, but remember. If you need to use it based on conditions, use it! The threat is real, but must be kept in its proper perspective.
Some might say I am too cautious, but better to know the hazzards and deal with them than not know and put yourself in needless jeoprady. There are generally too many ways we can screw ourselves without ignoring what is knowable!
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Getting home is more important than getting there!
Plan accordingly!
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