They just got back from World War II, they didn't want another war, they wanted to live a normal life, they wanted to have kids, and then this terrible war was coming, they thought.

人们刚从二战战场返回祖国,无心恋战,只想享受平凡生活,养儿育女,结果又来了一场恶战

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But if kids are kept isolated, their immune systems aren't challenged early in life, and they may not develop normally.

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And Randy's life insurance is already in a separate irrevocable life insurance trust for Penny and the kids, so it doesn't count against the exemption, either.

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"They may have kids and families, a life that they would have to change, and many people don't want to have to make that kind of change, " she said.

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