P&Ns middle name is and

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Pohemi

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Oct 2, 2004
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MtnMan

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Jul 27, 2004
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I hate to be "that guy" but that's not the plot. He wants to leave behind a large enough sum to provide for his family after death.

It's about life insurance, not health insurance.
That's may be where it ended, but the need to raise money for medical bills is what started him down that path.
 
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