11.   And spreading the word to people who have never bought insurance has been a challenge.

12.   And many parts of the Republican plan exclude people who buy insurance on their own.

13.   And of course, the reason for the site is to sell you merchandise or get you to buy insurance from National Hole-In-One Association.

14.   And the Federal Emergency Management Agency reports that homeowners are not rushing out to buy flood insurance.

15.   And they appeal to parents -- many of them, abiding by the one-child policy, tend to be over-protective -- to buy insurance for their children.

16.   And while they can, many churches are buying extra insurance.

17.   Andersen admitted no wrongdoing in its audits of the Mesa finance company, which lent money to high-risk drivers who bought auto insurance.

18.   And they have only recently begun to make it possible for people to buy basic insurance on their Web sites.

19.   Anyone who preferred the current approach could keep buying insurance against both economic losses and pain and suffering.

20.   Areas with high risk would be required to buy the insurance.