[Mamzelle]

Houses in Bermuda are made of masonry--their *roofs*, too! The concrete roofs are cleaned carefully, painted with non-toxic paint, and the water drains off the roof into cisterns. Bermuda has scarce sources of water.

The fact that there are government bailouts is just part of the problem. Private insurance is a form of cost-shifting not too dissimilar from taxation. Of coursem, you can choose to go without insurance for some things, but many times we are much constrained against doing without (licensing of cars, home mtgs--requires insurance).

While you worry about how fed funds are not being used accding to good libertarian principals, I worry more about the increase in premiums I'm going to have to face.

[Servant of the 9]

Private insurance is a form of cost-shifting not too dissimilar from taxation. Of coursem, you can choose to go without insurance for some things, but many times we are much constrained against doing without (licensing of cars, home mtgs--requires insurance).

Private Insurance is voluntary, as are mortgages and cars.

So9