The S.F. Chronicle's

David Lazarus agrees with me that MSAs are basically worthless pieces of shit that would help only the wealthy and healthy who could afford health care anyway.

And, of course, line the pockets of businesses which peddle these schemes.
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Crater Lake National Park Photos 1

 Here are a few pictures I took at Crater Lake National Park in southern Oregon today, including a couple of them from the historic lodge:

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