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Yeah, I got the joke :)...but it's really easy for a young, strong man like yourself to not want to think about his own mortality...trust me, I know it well. Plus, that insurance money goes out without any really evident benefit. Now that I'm older, I see a little clearer than I did at your...

I don't know, Willie...once you have a child the stakes go up. I have no idea what your situation is, but if you have a house payment that would be difficult for your wife to keep up with if you were no longer in the picture, and the costs of raising a son, helping his future look as bright as...