It's October! Soon hordes of little ghosts and goblins (or more realistically, Marvel superheroes) will be at our door, continuing a long tradition by shouting “Trick or Treat!”

Despite the seeming choice being offered, we all know the little tykes truly expect only the treat, not the trick. Those who, even as a short joke in the spirit of the season, opt for the “trick” are quickly confronted with shock, disappointment and, especially from the youngest, tears. Any accompanying parents or other adults are likely to become angry or even outraged.

That sounds a lot like certificates of insurance.

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