If all you had to do was wait until you needed insurance and then go out and buy it, your insurance program is going to blow up.

Americans can't afford the high cost of insurance, and more of them are being forced to go without. Risk pools aren't intended to address that problem. It's good that you are looking at other programs, other options to tackle that issue.

There are people who want to buy health insurance and can't do it. They're willing to pay for it. They're willing to pay a little more (than the standard rate).

It's true that humanity has seen a succession of crises, wars and atrocities, but this negative side is offset by advances in technology and cultural exchanges.

My family background was deeply Christian.

high crimes and misdemeanors.