Nice beard growth, rebel, your last picture made me think you were in high school(I kid, not trying to be a jerk).
I disagree with your comments, however. I made a dumb mistake when I was 20 years old. I fell asleep at the wheel after a long trip and I took out a telephone pole. It had a transformer on it. I forget the exact cost because I was under my parents' insurance back then but it was well into the six-figures. My insurance paid for all of it and it did not cost my family anything besides the deductible. I was on my parents' plan at the time.) It is possible that Oregon and the Independent State of Dade NWGA are different... but here we are covered.