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I'm addressing the insurance issue so that hopefully OTHERS can learn from this. The old "It could never happen to me, I'm young and healthy" argument has been posted here many times as to why people don't pay the $100 or so a month for a basic policy. I hope no one thinks I'm attacking Nikki in any way, shape or form and even though I don't know her, my prayers and good thoughts are being sent to her, her family and friends.
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