Thursday, November 27, 2003

What I'm Thankful For

In no particular order:

I'm thankful I'm healthy. I'm thankful for a roof over my head, clothes on my back, and food in my belly.

I'm thankful I have the skills and inclination to hold a job whose duties I like.

I'm thankful for my daughter, who daily brings me a joy I never thought possible -- the kind of joy that moistens my eyes nearly as often as it pulls my face into a smile.

I'm thankful for my wife, who pushes me to be a better person while also fully appreciating me for who I am, and who is a shining example to our daughter of compassion, humor, dedication, and sweetness.

I'm thankful my parents are still alive, and in good health, and generous with their kitchen and their time.

I'm thankful for my brothers, who have been the staunchest, most loyal of friends as well as the toughest, most ball-busting of critics -- what great brothers should be, in other words.

I'm thankful for my two sisters-in-law, who have brought joy to the lives of my wife and my brother, respectively; have given my daughter a pair of wonderful cousins to love; and have shown me what I missed by not growing up with sisters.

I'm thankful for my brother-in-law, who is versatile enough to drink beer with, go to ballgames with, watch crappy action movies with, grill steaks with, play Xbox with, hang out with our kids with, and countless other activities that belie in-law status.

I'm thankful to be living in the United States of America, which for all of its many, many flaws is still the finest, most noble country humanity has ever produced.

I'm thankful my daughter has two full sets of grandparents who cherish her, spoil her, and love to spend time with her.

I'm thankful for coworkers who make coming to the office professional stimulating and personally rewarding.

I'm thankful for my cat, who reminds me what a pleasure it can be to lie in the sun and nap.

Happy Thanksgiving, everyone.


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But the insurance industry and some of its allies in Congress have seized on the Boston Marathon bombing to argue that terror insurance cannot be allowed to lapse. In recent days, Republican U.S. Rep. Michael Grimm of New York introduced a bill with his Democratic colleague from New York, Rep. Carolyn Maloney, to renew the law for five [url=]Dodgers 16 Ethier Blue 2010 All Star Jerseys[/url] years.

The Marathon bombing is a "a wake-up call to members of Congress that terrorism is still alive," Robert Rusbuldt, president of the Independent Insurance Agents and Brokers of America, told Politico.

No argument there. But the Boston attack, while devastating and horrific, is [url=]Tigers 24 Miguel Cabrera Home Cool Base White 2010 All Star Jerseys[/url] not an argument to renew this law. It's [url=]Blank Black 2011 All Star Jerseys[/url] still early, but we haven't heard claims that insurers can't handle the financial fallout without government help.

Let's remember that before Sept. 11, terror coverage generally was included in property/casualty insurance at no extra cost because the likelihood of such attacks seemed remote. The Boston Marathon bombings and dozens of thwarted terror plots since 9/11 remind us that, sadly, terror insurance is still necessary. It's a cost of doing business today for some industries. It needs to be factored into everyday business decisions about insurance coverage, without federal taxpayers hovering nearby.

Even with the government backstop in place, and even though availability and affordability of insurance has improved, many businesses still say no, thanks. One large insurance broker, Marsh, Inc., reported in 2011 [url=]Yankees 2 Derek Jeter White 2010 All Star Jerseys[/url] that 65 percent of its customers paid for terror policies, according to that 2012 CRS report. That number rose swiftly after 2003 but has leveled off in recent years, the report said.

That's the way a market works: Companies make decisions about insurance based on whether the perceived risk is worth the cost of coverage.

The upshot: If the law lapses, the insurance industry will still find many willing customers. It will also figure out how to price the ongoing risk of terror attacks without a government safety net.

We have confidence that insurers can do that. This market can be as resilient and resourceful as the people of Boston. Let's give it a chance.


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