It is better to debate a question without settling it than to settle a question without debating it.
The fact that a player is very short of time is, to my mind, as little to be considered an excuse as, for instance, the statement of the law-breaker that he was drunk at the time he committed the crime.
For those that are working part time, in small businesses, or who are unemployed and do not currently have health insurance, we want to make sure that you are covered.