GM, ziv. Can you explain what you mean by insurance? I've seen this quite a bit in your posts and am not sure what it means and how it's determined. TIA.
Saving up your money for a rainy day,
Giving all your clothes to charity.
Last night the wife said,
"Oh boy, when you're dead
You don't take nothing with you
But your soul - think!"
(Lennon/McCartney, "The Ballad of John and Yoko")