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"Despite its newness, it's used more than any other kind of insurance - approximately one third of those
who carry it end up using it. And if you buy it and never use it? Then consider yourself lucky, count your
blessings and know you did the right thing by being prepared. You did the impossible:
you purchased peace of mind."
--Charles R. Schwab
"You're Fifty--Now What? Investing for the Second Half of Your Life