71.   Small businesses give many reasons for not providing insurance to their employees.

72.   Such funds often sell some stocks short, a bet that they will decline in value, to provide some insurance if the market declines.

73.   Term policies provide insurance for a set period of time without the investment features common in other types of life insurance.

74.   Term policies provide insurance for a set period of time, without the savings and investment features common in other types of life insurance.

75.   That is why the benefit formula helps low-wage workers, why workers with dependents receive family benefits and why disability insurance is provided.

76.   That way, Citigroup earns fees or commissions, without shouldering the expense and risk of providing the insurance itself.

77.   That bill would require employers to provide insurance and would put uninsured Americans into a new segment of the Medicare program, which now mainly insures the elderly.

78.   That might sound like a sensible way to provide fail-safe insurance to relatively few families because it would build upon Medicare, the existing plan for the elderly.

79.   The bank, for example, will provide insurance to companies that invest in developing countries against losses resulting from political instability.

80.   The bill would establish the National Disaster Insurance Corp., a privately owned company that would provide disaster insurance to homeowners.