People need to be insured so when you have an accident out there, or when something catastrophic happens to you, that you're covered and there's not someone else has to pay for you. That is as simple as that.
I've always tried to be fair to my subjects. That's easy when they are as likable and admirable as Lewis and Clark, or Eisenhower.
You spend a good piece of your life gripping a baseball and in the end it turns out that it was the other way around all the time.
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