žAfter losing her husband to a heart attack, the wife is left alone to care for 2 children

žYou need a cast after breaking an ankle while rollerblading

žYour apartment is broken into and your computer is stolen

žYou are injured in an automobile accident and are unable to work for 2 months

žYour garage was destroyed by a fire which started by a lightning bolt hitting your home

žSick at home from food poisoning after eating a carnival corndog

žYou get pulled over and receive a speeding ticket on your way to the mall

žYou have brake failure. You hit a telephone pole and cause damage to the front of the car

žA doctor diagnoses a child with tonsillitis during a visit to a clinic