31.   Almost everybody who was buying pills seemed to have pill insurance, and almost everybody in town seemed to be buying pills.

32.   But for some homeowners, the fallout from the Northridge Quake itself is a reason not to have insurance.

33.   But for those who pay for the test or have insurance that covers it, the L-D-X offers a welcome convenience.

34.   But most of the renters did not have insurance.

35.   But the only furniture left now is an ash-stained plastic lawn chair and a green yard swing, and they have no insurance.

36.   But that coverage is often limited or unreliable, and one-third of the elderly have no insurance at all for prescription drug costs.

37.   But they feel like they have insurance.

38.   By some estimates, only one in five people who live in flood plains nationwide have insurance.