--- In HPFGU-OTChatter at y..., "firefightermichelle" <firefightermichelle at y...> wrote: > You have to wear a helmet. Unless > you take out an extra $100,000 insurance policy, then you don't have > to wear a helmet. > > Does that seem silly to anyone but me? That IS a puzzler! Perhaps it's so the cyclist's survivors are less likely to end up on welfare?