Veteran Tomas Vokoun was signed by the Penguins as an insurance policy just in case a replacement for Fleury was needed.

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It was a momentous decision in policy terms, because unless the replacement government arrives swiftly and commands immediate confidence hopes of investment and growth in Russia this year will be dashed.

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Unlike health insurance, the risk is greatest at the start of the policy, when the children are very young and the need for replacement income is great and also covers the risk when the need is significantly less, such as when the children are a month away from graduating college and starting their own lives.

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