If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s child. Your teen driver could hit a bicyclist. A guest could fall down your stairs. A rainy morning commute on a slick road or...

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