From the cranberry cancer scare of the 1950s to the Alar-in-apples hysteria of the 1980s, from the "new ice age" of the 1960s to the "global warming" of the 1990s, environmental alarms almost always turn out to be false. Few non-political scientists fear ozone loss, global warming, or acid rain. These are just issues that some people hope to use to reorder the lives of the rest of us.

Insurance is meant for extraordinary circumstances. You don't use car insurance to pay for oil changes or gasoline; you have it as protection in case you have a terrible accident or your car is stolen. You don't use homeowners' insurance to pay your electricity and water bills; you have it as protection in case a fire or other catastrophic event produces a large expense. Obviously, any insurance policy that promises to cover every small, ordinary expense is going to be much more expensive than one that covers only extraordinary expenses.

Voluntary association produces the free market - where each person can choose among a multitude of possibilities.

Libertarians understand a very simple fact of life: Government doesn't work. It can't deliver the mail on time, it doesn't keep our cities safe, it doesn't educate our children properly.

There's nothing shameful in acknowledging that you don't have the answers to every question about life. Just accept the fact that you know only a fraction of what's going on in the world. You don't have to attach explanations in terms of a special revelation of God's will, a glimpse at the supernatural, evidence of a conspiracy, or anything else.

Republicans campaign like Libertarians and govern like Democrats.

You don't need an explanation for everything, Recognize that there are such things as miracles - events for which there are no ready explanations. Later knowledge may explain those events quite easily.