For the investor of a bearish mindset, one will have to take the bear put scenario into play.

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Can you give us an estimate of how much you think this is going to cost in a worst-case scenario, and who is going to bear the cost of that response?

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The other day, I was explaining to my third graders that we were going to practice a lockdown just in case a bear happened to be on the playground -- a real scenario for our Colorado school.

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Bove speculated that the timing of Cruz's departure suggests there might be a sizeable write-off coming for the firm, reminiscent of the scenario that played out with Warren Spector's exit from Bear Stearns (See " Bear Claws Out Co-President").

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Bove speculated that the timing of Cruz's departure suggests there might be a sizeable write-off coming for the firm, reminiscent of the scenario that played out with Warren Spector's exit from Bear Stearns (nyse: BSC - news - people ) (See " Bear Claws Out Co-President").

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Then I wanted to go into those mini bulls and bears and further isolate and examine what they look like, with the idea being: Let me take a look at how these mini bulls and bears look in these secular bear markets, and kind of try to figure out what the most likely scenario is for the market here going forward.

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This scenario results, these advocates say, in all insured individuals being indirectly forced to bear the burden of uncompensated emergency care which, according to the Centers for Medicare and Medicaid Services (CMS), amounts to 55% of emergency care.

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