we had started with 18 sheets what we need to look at is how much we have now. *** 1/15/19 this clinic is full and closed to additional riders. within your business you probably think you’re communicating well with others. answer: in the life insurance world, you should only buy term life insurance. it also may appear to one child that the other is always being protected. well, i’m a natural lazy programmer and that prevents me from digging deeper and doing some tests to clarify this guess. anyway there's a lot to think about! we make sure you know what should be expected. 