In some cases, if is safe to avoid insurance because

a. it is too expensive.

b. it may not be needed.

c. one already has enough savings.

d. one is already in debt.

when in doubt choose c

it's what my teacher told my class when we were going into psats

so the story tells of someone named kaushik choudhuri, but he does not narrate the story, a girl named hema does. hema tells the story in a second person point of view because you (the reader) are supposed to be the boy named kaushik.

here's an excerpt i found: "i was ushered into the fitting room, your mother watching approvingly as i took off my coat and sweater and tried on the bra."

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