I don't know about you. You may be healthy as a horse, never sick, never go to the doctor, never have a cold or a headache. But most of us are not so lucky.
Just when you least expect it, you can step off a curb and break a bone, try to lift something that is heavier than it looks and hurt your back, or just pick up some god-awful flu bug from someone you sat next to at dinner. I know because over the years all those things have happened to me and mine.
Really the only answer is to have
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