Welcome back, CGL fans, to part 2 of our discussion on care, custody or control (c,c,c). If this was television, you would now hear the announcer intoning “Previously on Policy Issues…” Or in the movies a simple text would appear: “A long time ago, in an article far, far away…”

Not that last month was that far. But if you can believe numerous consumer studies, most of you not only won't remember as far back as April's issue, but have already forgotten why you started reading this one. So I had best press on quickly.

This “c,c,c” focus began with a single question to a LinkedIn forum: “The exclusion says 'care, custody and control.' Why three words, if they were not individually important? So what do they each mean?”