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Whenever we meet bumps in the road there is usually more than one path to choose. We make these choices as we choose a school, a career, a home, and a mate. But these choices, like all choices, are rarely written in stone. One of the beauties of life i...

When looking at this issue it is easy to be mislead into thinking that there are easy solutions to this problem. Current research gives some very pat answers to a question that is extremely complex. The key to understanding the insurance dilemma facing ...