The most important lesson I've learned in my years of being a self-employed cabinetmaker is that you can sheer sheep over and over, but you can only skin him once. Insurance companies make a very low profit margin, a lot less than me. It behooves them, IMO, to do whatever they have to do to keep a profit. They have a responsibility to their stockholders, employees, and the like. Most companies sheer, rather than skin as it's better for business that way.

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timb:

Oh, and after I'm done smoking, the cigar nub smells like my beard.