91.   Last week I said that people should consider buying travel insurance.

92.   Last week, Bush laid out his plan for subsidies that he said would allow the elderly to buy private insurance to cover drugs.

93.   Like a mantra, many repeated over and over again their belief that homeowners should buy flood insurance, a coverage not normally included in a typical homeowner policy.

94.   Locally, some homeowners taking advantage of low rates to refinance mortgages are being told by lenders that they will now have to buy flood insurance.

95.   Moreover, when people here buy insurance they most often buy bare-bones policies that do not cover furniture or theft.

96.   Medicare, the federal program for the elderly and disabled, does not cover prescription drugs, although beneficiaries can buy supplemental insurance for medication needs.

97.   Most people in the original program buy private insurance to fill gaps in Medicare.

98.   Most people who buy travel insurance are elderly and worry about canceling a trip because of illness or requiring care abroad for an existing health problem.

99.   Ms. Zucker says no client buys a tour or cruise in her office without buying insurance at the appropriate time.

100.   Nearly every company that buys the insurance heeds the advice of the security consultants to set up a simple plan of action in advance.