From America to Brazil? That’s not so world-wide…

That doesn’t really rhyme though? The words sound kinda similar, but it’s not the same ending

No, by all means, keep going

Typically an insurance doesn’t save you money. If it did the insurer would go bankrupt.

Unless you know you will claim much more than a typical insuree, because you break a lot of stuff.

Then why is it growing mold?

You should only take insurance on things you can’t afford to replace (like your house, your car). If you can’t replace your phone from savings, you shouldn’t buy a high-end phone.

Really? How does it cut through leather, or even woolen clothing then?

And in the Netherlands too. We’re very wary about registering religion or background even today.

Dutchman here. I love riding in fresh snow. Very serene, empty roads, and plenty of grip. It takes effort, and I’ll be wearing lots of layers, so I’m very warm.

Fuck old snow or black ice though. Like you say, snow is rare so I don’t have studded tires or chains and stuff. Usually the cycle tracks are well salted and plowed though. There’s even an app mhat can de bicycle route planning over plowed roads only.

Yes, both would work.