The argument the person above you is making is that they also profit off people who never file claims in the first place. In fact those people are more profitable since they do not consume labor to process claims.
The Byzantine system of rules and coverage exemptions exists to disincentive people from filing claims just as it exists to give leeway to deny them.
Of course the overall point that paid claims must be less than premiums charged (and investment income) is correct.
Harris and Walz aren’t Millennials by any stretch. Harris is 59, Walz is 60. Spring chickens compared to Biden and Trump, but still 20 years removed from the oldest Millennial cohorts.
DnD good and evil are distinct from common usage of the terms; they are cosmic forces, objective truths. Each action reverberates through the higher and lower planes and tilts the scales towards victory for one side or another in their eternal struggle. This lore doesn’t leave a ton of room to change the alignment of entire races (and that is by design, structure makes it easier for people to get in to the setting).
But this is just in the established settings, any DM is free to homebrew any setting and justification they like.
Note that I am not trying to defend this as the height of storytelling, it isn’t. It is a consequence of how the setting is justified - with deities being active participants, having specific rules for granting and revoking powers, and the physical presence of higher and lower planes embodying perfect conceptions of ‘good’, ‘evil’, order, chaos, etc. All of this can be changed, and again any DM is free to change it, but the ‘deep lore’ of the established settings over the past 40 years is drenched in this stuff.
One way to consider it is simply - the Drow aren’t evil because they are Drow. The Drow are evil because their culture promotes actions that align with the literal true definition of evil that is present in the setting. Evil doesn’t mean bad, it is just a label aligning with some physical rule of the universe. Just like the positive charge of a proton and negative charge of an electron are labels for physical rules of our own universe. Positive isn’t any better than negative, but they are inherently distinct.
To everyone saying he is ‘scared’ that’s not really the point, he has no reason to debate her. She is unknown compared to him, starving her of attention is a good strategy as he is still currently leading in polls.
Trump wants to nothing to change in the race, debates - as we just saw with Biden - are an opportunity for things to change.
Common misconception. He was actually saying most political violence is committed by people politically to his left, which I think is undoubtedly true.
If the VP spot is vacant, the president selects a new VP who must then be confirmed by the House and Senate; per the 25th amendment: