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Message: <blockquote data-quote="zimbomb" data-source="post: 4514967" data-attributes="member: 57775"><p>The concept has been floating around for year's. There is already a market place for optional coverage. The idea would be the institution would pay for the average coverage and the individual would have to cover any premium increases that would arise from... I don't know doing dumb <img src="/community/styles/default/xenforo/smilies/group1/censored2.gif"  class="smilie" loading="lazy" alt=":censored2:" title="Censored2    :censored2:" data-shortname=":censored2:" />. <img src="/community/styles/default/xenforo/smilies/group1/censored2.gif"  class="smilie" loading="lazy" alt=":censored2:" title="Censored2    :censored2:" data-shortname=":censored2:" /> a good cop might even get to keep their lower costs to employ. As for your question I move box's for a living...</p></blockquote><p></p>