Having two components to the deductible allows for each member of your family the opportunity to have your insurance policy cover their medical bills prior to the entire dollar amount of the family deductible being met. The individual deductible is embedded in the family deductible.
Transgressive. Transgressive is a term of linguistic morphology denoting a special form of verb. It expresses a coincidentally proceeding or following action. It is considered to be a kind of infinitive, or participle.
A transvestite is a cross-dresser. It's someone who identifies with one gender and enjoys dressing up as the other gender. It can mean someone who wears a few items at home, or it can mean someone who lives in the opposite role full-time. A transsexual person (TS is an adjective), like myself, is facing or has faced some mismatch between identity/brain sex and body sex.