""There are people around—and more than we like to think about—who live in their cars or in cardboard cartons and who don't know where their next meal is coming from. How in blazes are they supposed to be able to afford insurance premiums!?? Or pay a fine if they can't ante up the premiums?""

I wouldn't have expected you Don, of all people, to have read that post without noticing the phrase "thus why hardship exemptions have been built in the legislation.".

Don T.