"I think it's important for people to know that bad things do happen to good people and that life can throw a serious curveball at even the most cautious and "prepared" people out there."

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The usual devastating put-downs imply that a person is basically bad, rather than that he is a person who sometimes does bad things. Obviously, there is a vast difference between a "bad" person and a person who does something bad. Besides, failure is an event, it is not a person - yesterday ended last night.

— Zig Ziglar