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災害に備える為の保険は、絶対に必要だとは思う。
If a hurricane will test the insurance market of Florida.... then the insurance companies are in trouble. Hurricanes are what they do there.... and have done every year for.... at least 500 years.
So people around the globe need to cough up through reinsurance for losses in US? I'm not sure they all know what reinsurance means!!