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Sorry to hear about your wife. What you say is true. People just don't get it until it happens to them. They think because they have insurance through their employer that everything is fine and they are covered no matter what.
Then why do they advocate for limited or nonexsitant birth control and in the same breath say its STEALING from them to help feed and house these children with tax dollars?
No charity has EVER in the history of man been able to feed and house all needy children.