[ANDY M]

Insurance companies are legalized bookmakers. You bet that something bad will happen, they examine the risk involved (think of it as making the point spread), and bet that it won't happen. Low risk, lower premium. High risk, high or no premium. Like Norm, I too am on disability, but thank God that my wife works for the state. Without her, I would not be on this board, much less the internet.
Michael Moore is not a liar, but is very good at giving up selective information for you to see his point of view. He states facts that prove his point of view, but with no objectivity. Like it or not, the truth is an ugly beast, but it can be twisted like a pair of knickers. There is always the Bell Curve in effect, between outright lies at one end and pure truth at the other. Seek first to understand, so that you can be understood. Better to take a stance based on facts, than an opinion based on emotions. JMHO