Anyone can buy insurance. Collecting on it when you need it, that's when the
knowledge or lack of it becomes apparent. Same for windows and R-values. It
is more the exception than the rule to get what you thought you bargained
for with either. And that's not my experience, but what I've learned
observing the experience of others. But fraud is the American way, isn't it?
The economy would collapse if people stopped buying hot air.
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