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Maybe with some people, but not with me. Hand on the Bible

"We're also looking about 28,000 kids today who won't become addicted to tobacco or cigarettes." Foster said those numbers are based on national statistics and projections

Those are just the minor risks

First, margin reversion: the difference between underwriting 40 cents and 30 cents is the difference between a 1.4x and a sub-1.1x coverage on many files, and the cyclical layer above the real floor will mean-revert eventually (1, 4)

Alcohol's affect on the brain can also lead to loss of motor skills, slurred speech, slower reaction time, and bad decision-making