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And to think that the species that laid claim to fire spent all the time thereafter creating uncountable things worth burning. Some friends of mine had two of their three kids outside of the US and saved a fortune by doing so, but I didn't realize at all how insurance figured into it; it just wasn't part of my world. It didn't occur to me that I was able to ask to pay in cash. This is worth exploring, for sure. Thanks dude. It's good to get some perspective on this. After avoiding paperwork for so long, I begin to see how I'm expected to have a much better grasp on it than I do. Something I need to rectify.