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Insurance should be purchased for the broadest possible needs – like death or disability – not for specific occurrences like cancer or paying off the mortgage . Depending on the nature of the guaranteed loan program , funds for covering some or all losses come from loan guarantee or insurance fees charged to borrowers and / or appropriations . He has also sent his victims to hell for eternity . On the other hand , recently it has been suggested that appropriate treatment for ADHD may lead to a decreased chance for developing an SUD . The Respondent has , and occasionally enforces , a 15-day no return policy for those ordered to leave the bar for misconduct .