Excel, Exactly. If my son goes over to your house to play baseball with your son and gets hurt you have property & medical insurance to cover it.
Look at the little league player who died tragically while playing organized ball. It was an accident that can happen anywhere. Should we stop kids from playing little league?
There was also a time when you could have people over for a social and if someone had too much to drink that was their problem...now if they have an accident on the way home, you can get drawn into it. We've become a litigious society.
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