Military Report - Week of March 23, 2015

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Military Report - Week of March 23, 2015

Hot Video: 5 Things You Don't Know About Body Armor
In this week's edition of our ongoing video series, we take a closer look at body armor, and unveil some interesting facts. Visit the (http://www.military.com/video/armor/bod ... 851270001/) Military.com video section to see this video.


Discounted Golf for Service Members & Veterans
Military Tee Times allows all Members of the Armed Forces, all Veterans, and all Military Family Members to find and book the best tee times and courses online 24/7. Search more than 8,000 course partners in several countries, including North America and the UK. (http://www.military.com/discounts/milit ... RC=mrvr.nl) View discounts and book now.


Navy Extends Youth Center and MWR Hours
Beginning in April, Navy Installations Command will extend Child Youth Center and MWR Fitness Center hours of operation in several locations as part of a pilot program. The three locations selected to support the pilot include Naval Base in Bremerton, Wash., Joint Expeditionary Base in Little Creek, Va., and Naval Station in San Diego, Calif. The locations were chosen for the pilot because of their proximity in fleet concentration areas where work requirements extend beyond a normal work day. The pilot program will measure usage and staffing levels required to support the extended hours, and determine whether the expanded hours can be affordably extended to other facilities across the Navy.
For more veteran and family support resources, see (http://www.military.com/spouse/military ... vices.html) this Military.com Spouse Channel article.


Air Force Assistance Fundraiser
The Air Force Assistance Fund (AFAF) is an annual effort to raise funds for the charitable affiliates that provide support to the Air Force family in need (active duty, retirees, reservists, guard and our dependents, including surviving spouses). The Fund supports the Air Force Aid Society, the Air Force Enlisted Village, the Air Force Villages Charitable Foundation, and the General and Mrs. Curtis E. LeMay Foundation. For more information, visit the Air Force Assistance Fund website at (http://www.afassistancefund.org) www.afassistancefund.org.
For more veteran and family support resources, see (http://www.military.com/spouse/military ... vices.html) this Military.com Spouse Channel article.


Report on Pope AFB Mid-Air Collision
The Air Mobility Command released the results of its accident investigation board (AIB) regarding a Dec. 1, 2014, mid-air collision near Pope Army Airfield and Fort Bragg, North Carolina. A C-130 Hercules assigned to Air Force Reserve Command's 440th Airlift Wing, and a C-27J assigned to the Army Special Operations Command Flight Company, both at Pope AAF, collided approximately 8 miles south of Mackall AAF. Both aircraft declared emergencies and landed safely. There were no injuries to the crewmembers. The full report is available on the (http://www.amc.af.mil/questions/topic.asp?id=509) Air Mobility Command Freedom of Information Act website. For more information regarding the AMC AIB, contact Public Affairs at (618) 229-7839. For information on the Army investigation, contact the Army Special Operations Command at (910) 432-7585.
For more Air Force news, visit the (http://www.military.com/daily-news) Military.com News Center.


Two Factors to Blame for F-15 Crash
The U.S. Air Forces in Europe and Air Forces Africa have released the results of the accident investigation into the Oct. 8, 2014, crash of an F-15D Eagle near Spalding, Lincolnshire, England. Clear and convincing evidence showed that the mishap was caused by a combination of two factors -- the angle of attack of the aircraft at the time and imperfections in the radome's nose cap assembly. There were no discrepancies to indicate engine, mechanical, flight control, or other problems existed with the aircraft. A narrative within the executive summary of the report is available (http://go.usa.gov/3a6Kh) online. The full report is available by submitting a Freedom of Information Act request. An electronic request may be submitted on the Air Force Freedom of Information Act webpage at (http://www.foia.af.mil) www.foia.af.mil. For more information contact the USAFE-AFAFRICA Public Affairs Office at 011-49-6371-47-6558.
For more Air Force news, visit the (http://www.military.com/daily-news) Military.com News Center.


Military Discounts for Major League Baseball Games
Major League Baseball teams are showing their appreciation for service members, both past and present, with military discounts on 2015 game tickets. Many teams also hold military appreciation days to honor those who have served our country. (http://www.military.com/discounts/milit ... RC=mrvr.nl) View all deals and get out to the ballpark this spring.


Odds Against Younger Veterans in Hunt for Job
The unemployment rate for veterans in 2014 was 5.3 percent, down from 6.6 percent in the year before and below the 6 percent rate for civilians, according to Labor Department figures released Wednesday. But younger veterans who served after Sept. 11, 2001, have had a more difficult time. That group had an unemployment rate of 7.2 percent last year. Some have struggled to translate the skills developed in the military to a civilian workforce. For others, the traumas of war have been a barrier. For more details, see (http://www.military.com/veteran-jobs/ca ... -rate.html) this article.


A New Leash on Life
Stars and Stripes reports that at the nonprofit organization Warrior Canine Connection, wounded warriors train service dogs that help other wounded warriors. By interacting with the dogs as they move from puppyhood to training to adult service dogs, Warrior Trainers benefit from a physiological and psychological animal-human connection. As a result of their efforts, Veterans with disabilities receive the finest in trained service dogs. For more information, visit the Warrior Canine Connection website at (http://warriorcanineconnection.org) warriorcanineconnection.org.


Air Force Combines Officer Accession
The Air Force Officer Training School at Maxwell Air Force Base, Alabama has removed all service component distinctions from its line officer commissioning courses. Regular Air Force and Reserve cadets no longer receive their commissions through Basic Officer Training or Air National Guard cadets through the Academy of Military Science. With the start of OTS Class 15-03 in early January, all line officer cadets receive the same training at the same time in the same classrooms. Instead of saying they graduated from either BOT or AMS, the newly commissioned officers will simply say that they received their commissions from OTS.
For more Air Force news, visit the (http://www.military.com/daily-news) Military.com News Center.


26 Airmen Promoted Via Supplemental List
The Air Force selected 26 enlisted Airmen for promotion via the supplemental promotion process. To see the list, go to the (https://www.my.af.mil/) Air Force Portal and select the promotion news link, or go to (https://mypers.af.mil/) myPers, and select "Search All Components" from the drop down menu and enter "Active Duty: Enlisted Promotions Home Page" in the search window. Select the page and scroll down to the supplemental promotion section. Promotion selections are tentative until the data verification process is complete; generally 10 days after the promotion release date. For more information about other personnel issues, visit the myPers website.
For more Air Force news, visit the (http://www.military.com/daily-news) Military.com News Center.


USAF Warrior Wellness Program
The U.S. Air Force Academy's Warrior Wellness program has helped over 100 soldiers and their families reconnect amid new realities and rehabilitation. Located on 950 acres here, the equestrian center allows veterans to experience equine-assisted therapy, enjoy a mountain setting and spend quality time with horses and others at no cost. Some veterans also participate in weekly equine-assisted therapy sessions where they spend one-on-one time with a horse and an equine specialist. For more information, visit the USAFA (https://www.facebook.com/pages/USAFA-Eq ... 2458334749) Equestrian Center Facebook page.
For more wounded warrior news, visit (http://www.military.com/topics/wounded-warriors) this Military.com section.


2015 Diplomatic Career Fellowship for Vets
The U.S. Department of State is currently accepting applications for the Fall 2015 class of Veterans Innovation Partnership Fellowship Program, also known as VIP Fellows. The main focus of VIP is to build and deploy strategic partnerships between the U.S. government and the U.S. private sector to mobilize resources and build networks to promote foreign affairs career opportunities for veterans. This fellowship will give applicants the opportunity to serve in foreign affairs roles primarily throughout the Department of State, but also at our participating agencies, the U.S. Agency for International Development (USAID), the Overseas Private Investment Corporation (OPIC), or the Millennium Challenge Corporation (MCC). The VIP fellowship includes one year of full-time employment, mentoring, and professional development opportunities. VIP fellowships are open to veterans who are enrolled in or have recently completed a master's degree in the fields of international business or international relations. Visit the (http://www.state.gov/r/pa/prs/ps/2013/10/216132.htm) State Department's VIP Fellows webpage for more information and eligibility criteria.
For more veteran job news, listings and resources, visit the (http://www.military.com/veteran-jobs) Military.com Veteran Jobs Center.


New Army Traffic Regs in Hawaii
U.S. Army Hawaii Regulation 190-5, the new USARHAW Traffic Code went into effect March 16. The regulation specifies violations for alcohol-related offenses, driving above the posted limit, and driving on a suspended or revoked license, among other violations. Soldiers, civilians, family members, contractors and other personnel who work, reside or visit an Army installation in Hawaii are subject to this new regulation. The regulation gives motorists details about driving, distractions and prohibitions when operating motor vehicles, motorcycles, mopeds or bicycles. The new regulation also increases suspensions for offenses. Service members and civilian sponsors are responsible for ensuring their family members and guests are aware of and understand the regulations. To review the new Traffic Code in its entirety, click on the Garrison Policies tab on the USAG-Hawaii website at (http://www.garrison.hawaii.army.mil) www.garrison.hawaii.army.mil.
For more Army news, visit the (http://www.military.com/daily-news) Military.com News Center.


New Navy Lodging Facility in Bethesda
Navy Gateway Inns & Suites (NGIS) recently opened a new facility at the Naval Support Activity (NSA) Bethesda, Maryland. NGIS offers quality lodging services for individual and group temporary duty travelers, Department of Defense civilians, retirees, reservists, and sponsored guests. NGIS lodging also provides accommodation for vacation and leisure travel on a space-available basis. The new NGIS Bethesda facility is located at 4520 Taylor Road, Building 64. It offers standard and suite guest rooms with queen-size beds. For reservations, visit the Department of Defense Lodging website at (http://www.dodlodging.net) www.dodlodging.net or call toll-free (877) NAVY-BED.
(http://www.military.com/Travel/Home/0,13396,,00.htm) Learn more about military travel and lodging opportunities.


March 29 Is Vietnam Veterans Day
"The Vietnam War is a story of service members of different backgrounds, colors, and creeds who came together to complete a daunting mission. It is a story of Americans from every corner of our Nation who left the warmth of family to serve the country they loved. It is a story of patriots who braved the line of fire, who cast themselves into harm's way to save a friend, who fought hour after hour, day after day to preserve the liberties we hold dear. From Ia Drang to Hue, they won every major battle of the war and upheld the highest traditions of our Armed Forces." (http://militaryadvantage.military.com/2 ... RC=mrvr.nl) View the full proclamation from President Obama.

Preparing to Move
Preparation for the upcoming peak moving season for service members has begun. Here are several moving tips: (1) use diligent planning, attention to detail and be flexible; (2) once you get orders, immediately start your moving process for a better chance to lock in your preferred pick-up and delivery dates; (3) Create a personal move calendar; (4) ask questions early; (5) keep your phone number and e-mail address up-to-date so that you can be contacted if changes arise with your shipment; (6) pack, pick-up and delivery dates are normally scheduled on weekdays; and (7) when possible, do not ship small, extremely valuable items. Customers using the Move.mil portal for the first time will find online training videos and presentations explaining how to navigate through the move process. Answers to many questions can be found on the website under "FAQs". Also, members can contact the System Response Center help desk at (800) 462-2176 or 618-220-SDDC or send an email message to (mailto:sddc.safb.dpshd@us.army.mil) sddc.safb.dpshd@us.army.mil. if they need additional help.
For more guides and tips on relocation and PCS, visit the (http://www.military.com/money/pcs-dity-move) Military.com PCS section.


New Navy Episode on Malaria
The U.S. Navy Bureau of Medicine and Surgery (BUMED) has released the newest episode of its show, "Scrubbing In." The new episode features malaria research experts from Navy Medicine's Infectious Disease Directorate at the Naval Medical Research Center (NMRC) in Silver Spring, Maryland. During the episode, viewers learn how Navy Medicine researchers use mosquitos in a controlled laboratory environment to develop vaccines for diseases such as malaria. The vaccines developed by Naval Medical Research Center are used to treat Navy and Marine Corps service members, as well as the local populations where service members are deployed. The episode on malaria research is available on (https://youtu.be/yAcyiv_cteU) YouTube. A previous episode on vaccine development at NMRC is available (https://youtu.be/7Tfwz43AWwY) online.
For more videos covering all aspects of military life and tech, visit the (http://www.military.com/video) Military.com Video section.


'Onward to Opportunity' Vet training
The Schultz Family Foundation (SFF), the U.S. Department of Defense and the Institute for Veterans and Military Families at Syracuse University (IVMF) have announced the launch of Onward to Opportunity, a new national program that will deliver tailored, industry-specific training and certifications to service members and spouses on U.S. Military bases prior to transition. This program will provide participants with skill sets to immediately qualify them to work for leading U.S. companies, resulting in a seamless transition from military careers to civilian employment. Onward to Opportunity is supported by a unique coalition of Fortune 500 corporations, government agencies and nonprofits. The program will launch nationwide on up to six military bases and communities in 2015. For more information, visit the Onward to Opportunity website at (http://onward.vets.syr.edu) onward.vets.syr.edu.
For more veteran job news, listings and resources, visit the (http://www.military.com/veteran-jobs) Military.com Veteran Jobs Center.


New Navy Maritime Strategy
The sea services have released a new maritime strategy in a plan that describes how the Navy, Marine Corps, and Coast Guard will design, organize, and employ naval forces in support of national security interests and homeland security objectives. The new strategy, titled A Cooperative Strategy for 21st Century Seapower: Forward, Engaged, Ready, accounts for changes in the global security environment, new strategic guidance, and a changed fiscal environment. The new strategy emphasizes operating forward and engaging partners across the globe, especially in the Indo-Asia-Pacific region. (http://www.military.com/daily-news/2015 ... cific.html) Read the full story on Military.com.


3 Top VA Loan Tips
There are numerous advantages to having a VA mortgage. A VA mortgage loan can be guaranteed with no money down, in some cases up to $417,000. There is also no private mortgage insurance requirement. Here are 3 Tips to prepare for using your VA Loan. Tip #1, Check Your Credit. Tip #2 Get Pre-Approved. Tip #3 Choose Wisely ? Fixed or Adjustable Rate Loan? (http://www.military.com/money/va-loans/ ... RC=mrvr.nl) View the full article on Military.com.
(https://secure.military.com/leads/VALoa ... rvr0323.nl) Connect with lenders who are ready to help you use your VA Loan benefit.


Navy Offers Oral Histories of Women Vets
The stories of some of the earliest women in America's Navy have been compiled at the U.S. Naval War College (NWC) in Newport, Rhode Island through a project just completed by college archivists. An oral history project more than 20 years in the making, the Naval Historical Collection at NWC collected and preserved the firsthand accounts of female Sailors and Marines in the Women Accepted for Volunteer Emergency Service (WAVES). Their stories are now available online for the first time. To hear their stories, visit the U.S. Naval War College (https://usnwcarchive.org/collections/show/25) Naval Historical Collection webpage.


How Proposed Benefit Changes Affect You
Military Officers Association of America (MOAA) breaks down the (http://www.military.com/education/2015/ ... -bill.html) Military Compensation and Retirement Modernization Commission (MCRMC) recommendations on pay and retirement, health care, and quality of life. The first in this series focuses on pay and retirement. To read more go to: (http://www.moaa.org/MRpayandretirement/) www.moaa.org/MRpayandretirement/.


Comcast Hiring Veterans
At Comcast, we know what it means to serve -- thousands of veterans from all walks of former military life have transitioned to the corporate world by joining our diverse team of talented, passionate and driven professionals. We know how difficult the civilian job search journey can be which is why we feature the stories of real-life heroes who have taken the leap forward into a building a successful career at Comcast. We also provide smart tools and supportive resources from our Careers site to help navigate this transition. (http://www.military.com/veteran-employe ... ESRC=mr.nl) Learn More and apply.


VA Changes Health Care Eligibility
Effective 2015, the Department of Veterans Affairs has eliminated the use of net worth as a determining factor for both health care programs and copayment responsibilities. This change makes VA health care benefits more accessible to lower-income veterans. Instead of combining the sum of Veterans' income with their assets to determine eligibility for medical care and copayment obligations, VA will now only consider a Veteran's gross household income and deductible expenses from the previous year. Veterans may submit updated income information at (http://www.1010ez.med.va.gov) www.1010ez.med.va.gov, or by visiting their nearby VA health care facility. For more information, visit VA's Health Benefits webpage at (http://www.va.gov/healthbenefits) www.va.gov/healthbenefits or call VA toll-free at 1-877-222-VETS (8387).
For more on veteran programs, visit the (http://www.military.com/benefits) Military.com Benefits Center.


Pick Your Own Cuts: GI Bill
Among a pile of recommended changes to military benefits made early this year by a commission convened by Congress was a series of suggested changes to military education benefits. Some of the suggested changes have included getting rid of the Montgomery GI Bill, and increasing the amount of time a service member has to be in before he or she can transfer the benefits to a spouse or kid. If you had your choice, what change would you endorse? For more details and a poll, see (http://spousebuzz.com/blog/2015/03/pick ... -bill.html) this post.


Military.com Launches New Pay App
Military.com recently launched a new app that will allow service members instantaneous access to information about their pay and allowances from their mobile devices and tablets. Download on (https://itunes.apple.com/us/app/id961585610?mt=8) iTunes or (https://play.google.com/store/apps/deta ... ilitarypay) Google Play Store.


Must-see PTSD Video: That Which I Love Destroys Me
Watch a must see documentary of two elite warriors' first hand accounts of their struggles with PTSD and returning home from the longest combat campaign in U.S. history. (http://www.military.com/helpingvetsheal?ESRC=mrvr.nl) Presented by Military.com


Careers for Veterans at Sprint
At Sprint, we value and honor members of the military who serve our country. Sprint is widely recognized for our strong commitment to the military and we are proud of our military recruitment program, which focuses on hiring veterans, members of the Reserve and National Guard, as well as active members of the military. Our diverse workforce is comprised of thousands of active, retired or ex-military veterans, their spouses and family members. (http://www.military.com/veteran-employe ... ESRC=mr.nl) Learn More and apply.


Save on Your TRICARE Rx Costs
Don't spend money you don't have to. New medications are now covered with TRICARE. (http://www.military.com/offers-portal/o ... =mr0323.nl) Find out how much you can save.


Sound Off: Lower Drinking Age for Troops?
The U.S. is an outlier when it comes to drinking age. There are very few countries that set the legal age of purchase at 21, and most opt for 18. But, Maryland State Sen. Ron Young is trying to get Maryland lawmakers to let service members imbibe at an earlier age. For more on this issue, and to see other reader opinions, see this (http://undertheradar.military.com/2015/ ... or-troops/) Under the Radar post on Military.com.


2015 Warrior Games Set for June
The Department of Defense's (DoD's) Warrior Games 2015 will take place June 19-28 at Marine Corps Base Quantico, Virginia. The games is an annual sporting competition bringing together wounded, ill and injured service members and veterans from across the country. This is the first year that the department is organizing the games, which were previously run by the United States Olympic Committee and held at the Olympic Training Center in Colorado Springs. The DoD Warrior Games 2015 will feature eight sporting events with about 200 athletes representing teams from the Marine Corps, Army, Navy, and Air Force. Each military service hosts trials in the months leading up to the games to determine their teams. For more information, watch the video on (https://www.youtube.com/watch?v=AmXyOtT5n8g) YouTube.
For more wounded warrior news, visit (http://www.military.com/topics/wounded-warriors) this Military.com section.


Medals for Operation Freedom's Sentinel
The Department of Defense (DoD) has announced that Operation Freedom's Sentinel is now a qualifying operation for award of the Global War on Terrorism Expeditionary Medal and Global War on Terrorism Service Medal. Service members deployed abroad in support of Operation Freedom's Sentinel outside of the Afghanistan Campaign Medal area of eligibility are now eligible for award of the Global War on Terrorism Expeditionary Medal. Full eligibility criteria for the Global War on Terrorism Expeditionary and Service medals are contained in (http://dtic.mil/whs/directives/corres/p ... 33vol2.pdf) Department of Defense Manual 1348.33, Volume 2, Manual of Military Decorations and Awards. Service members should contact their respective military departments for additional guidance.
(http://www.military.com/daily-news/2014 ... edoms.html) Read more about this story on Military.com.


Know Your Part, Do Your Part
The U.S. Navy has announced the Department of Defense 2015 Sexual Assault Awareness and Prevention Month (SAAPM) theme of "Eliminate Sexual Assault: Know your part. Do your part." The effort will focus on raising awareness with an emphasis on bystander intervention. Commands are encouraged to organize events to highlight the awareness and prevention of sexual assault. Sailors and commands can find additional information, references and resources on the Navy Personnel Command SAPR website at (http://www.sapr.navy.mil) www.sapr.navy.mil. The website contains turn-key information on organizing and executing SAAPM events. The website also includes resources for victims of sexual assault who want to reach out for information and support. For more information, visit the U.S. Navy Sexual Assault Prevention and Response (SAPR) website at (http://www.navy.mil/local/sapr/) www.navy.mil/local/sapr/.
For more news related to sexual assault and the military, see (http://www.military.com/topics/sexual-assault) this Military.com section.


AF Selective Reenlistment Bonus
Enlisted Airmen in 23 Air Force specialty codes may be eligible to receive a selective reenlistment bonus (SRB) effective March 12. The Air Force will continue to offer SRBs to the 10 critical career fields from the fiscal 2014 program and has added an additional 13 AFSCs to the fiscal 2015 program. The complete FY15 SRB list is available on the U.S. Air Force website at (http://www.af.mil/News/ArticleDisplay/t ... -list.aspx) www.af.mil/News/ArticleDisplay/tabid/22 ... -list.aspx. Airmen are no longer able to request accelerated SRB payments. For more information about SRBs and other personnel issues, visit the (https://mypers.af.mil) myPers website.
For more on reenlistment bonuses, see (http://www.military.com/benefits/milita ... nuses.html) this Military.com section.


Cognitive Behavioral Therapy May Reduce Suicides
Military personnel who receive cognitive behavioral therapy (CBT) in the short-term may reduce their probability of attempting suicide, according to a recent research from the University of Texas Health Science Center San Antonio (UTHSCSA). The study conducted at Fort Carson, Colo. focused on patients already at risk or who had attempted suicide before and revealed the effectiveness of the therapy. Patients who received CBT were 60% less likely to commit suicide than soldiers who underwent the standard treatment. The finding of the study entitled "Brief Cognitive-Behavioral Therapy Effects on Post-Treatment Suicide Attempts in a Military Sample: Results of a Randomized Clinical Trial With 2-Year Follow-Up," were recently published in The American Journal of Psychiatry at (http://ajp.psychiatryonline.org/doi/10. ... 4.14070843) ajp.psychiatryonline.org/doi/10.1176/appi.ajp.2014.14070843.
For more guides on mental health and wellness, visit the (http://www.military.com/benefits/vetera ... d-wellness) Military.com Mental Health and Wellness section.


AAFES 'You Made the Grade' Program
The Army & Air Force Exchange Service is rewarding military students who excel in the classroom with its (https://www.flickr.com/photos/35991646@ ... /lightbox/) You Made the Grade program. Students in first through 12th grades who maintain a B average or better are eligible to receive a coupon book filled with free offers and discounts. Scholars can also enter the You Made the Grade semiannual sweepstakes to receive gift cards worth $2,000, $1,500 or $500. Students, including those who are home schooled, can receive a You Made the Grade coupon booklet by presenting a valid military I.D. And proof of an overall B average at their nearest Exchange customer service area. Eligible students can pick up one booklet for each qualifying report card. For more information, contact your local Exchange store manager.
For more guides and listings on military discounts, visit the (http://www.military.com/discounts/free- ... itary.html) Military Discount Center.


AF Professional Development Teams Meet
Development teams from various Air Force specialties will convene between May and August 2015 to consider eligible line and non-line officers for squadron and deputy group commander positions projected for calendar year 2016. Interested officers can visit the (https://gum-crm.csd.disa.mil/app/login/redirect/home) myPers website for schedules and Airmen Development Plan statement of intent (SOI) procedures. Officers must route their SOI (if required) through their senior rater to appropriate Air Force Personnel Center assignment teams by April 17. In addition to functional command opportunities, line officers may also apply for recruiting, student, training or air base squadron command consideration.
For more Air Force news, visit the (http://www.military.com/daily-news) Military.com News Center.


DoD Budget Plans Alarm JCS
The Joint Chiefs of Staff and other military leaders over the past week have sharpened warnings that force readiness is unraveling and it could plummet if Congress allows the next round of defense cuts mandated by the 2011 Budget Control Act (BCA), with its sequestration tool, to take effect Oct. 1. Some in Congress are suggesting the use of the Department of Defense's Overseas Contingency Operations (OCO) account to cover the shortfall, but many see that as a temporary fix at best.
(http://militaryadvantage.military.com/2 ... -lifeline/) Read this week's Military Update to get the whole story.


Protect Your Family: $100k Coverage from Just $7 a Month
Family Protection for less. Get $100,000 Coverage from just $7 a Month. (http://www.military.com/insurance?lpid= ... rvr0323.nl) Could your family survive if something happened to you?