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Understand this...

..as long as my insurance company and I accept the risks, it is not your concern. I accept that I have to pay large premiums. They accept that they may have to write out a large check. I'm happy, they're happy. You cannot escape risk, ANYWHERE. (With the tornado record Oklahoma has had, it would be safer to go play in the middle of the street....with the wildfire record southern California has had...you can pick anywhere on the planet. Risk of natural disaster is a part of life.)

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