And investors would know how risky a bank was based on the insurance rates.”“I’m not sure how well that would work. What if an insurance company...went bankrupt?”“There’s something called ‘reinsurance’ that helps spread the risk. And insurance companies want to stay in business, and they’re good at evaluating financial risk. And there are independent companies that evaluate and rate insurance companies, and bonds, and stuff like that.”“And who evaluates them?” Jessica asked.“Quis custodiet ipsos. I didn't truly believe her but it made me feel slightly better.Each time after that was about the same. She never expressed it but I knew Lynn was frustrated. Of course if she was frustrated she didn't let it stop her from wanting to date me. We moved in and began dating exclusively shortly after graduation. A year later we were married.Time for a ChangeAbout a month into our marriage I decided to have a serious talk with Lynn. I had no worries about her feelings for me but was well aware of. More

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