I'm a huge tightwad - so if a $10 harness will lower my cost of living - I'm all for it. I hate insurance, and I hate taxes.

Mark my words: If things keep going the way they're going, and people keep getting hurt and racking up huge medical bills,we WILL see the day when we each have to buy a hunting insurance policy every season.

It won't be long before insurers start writing dangerous activity exclusions into their policies - and we'll have to cover those gaps with additional "hunting" policies. They're already built into many employment contracts...

It's coming... Just something to roll around in your cranium.