Disclaimer: "Buyer beware!" The government should have made the market a honest place, but that caveat is still necessary. The risks that you decide to take on are solely your responsibility. Whatever advice you take from my posts here has to be treated with due diligence. I cannot guarantee that I will never make a mistake, but your health or that of your dependents is still solely your responsibility.
Someone claiming to be a doctor wrote that American life expectancies now rank 41st in the world. If that's true, and that would be despite our being first in health care expenditures; you know the first thing I'd blame.
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