there were moments when it felt like things were falling apart. local credit unions and banks you already deal with are a good place to start. i would have never bought them at the full price, but 50% off was doable. you should have the choice of small, channel or substantial. you have the ability to filter and narrow results as wide or narrow as you would like. because as both a life insurance expert and a hockey team goalie, it's all about defense. 