Simon

Part of it is that it's those that are most in need that are not being taken care of (often).  As you say, if you're insured and in generally good health, there's little issue (though out of pocket can still be pretty high...and insurance costs, even when half is footed by the employer, are VERY high compared to other countries).  It's when you're in need that things change (for the worse).  A friend of mine had been fighting cancer for years...very expensive treatments.  His insurer decided to cut him off/decline coverage.  The insurer's gamble was sound -- it would cost a large chunk of money for my friend to go after them in court and make them pay...and the insurer's legal fees were already covered by the lawyers they kept on retainer.  So they could cut him off and worst-case (for them) be forced to pay out after a lengthy court battle.

The flip side to this (and part of the reason for doctors' reluctance to take Medicare patients) is that we're a VERY litigious society. This drives up rates across the board, doctors paying higher malpractice insurance, insurers having higher rates due to payouts and legal, etc.  This is why it's not an easy solution -- any change in coverage (single payer, etc.) needs to be matched with protections for doctors (and, in turn, the insurers) from litigation. Not immunity, but protection.

Part of it is that it's those that are most in need that are not being taken care of (often).  As you say, if you're insured and in generally good health, there's little issue (though out of pocket can still be pretty high...and insurance costs, even when half is footed by the employer, are VERY high compared to other countries).  It's when you're in need that things change (for the worse).  A friend of mine had been fighting cancer for years...very expensive treatments.  His insurer decided to cut him off/decline coverage.  The insurer's gamble was sound -- it would cost a large chunk of money for my friend to go after them in court and make them pay...and the insurer's legal fees were already covered by the lawyers they kept on retainer.  So they could cut him off and worst-case (for them) be forced to pay out after a lengthy court battle.

The flip side to this (and part of the reason for doctors' reluctance to take Medicare patients) is that we're a VERY litigious society. This drives up rates across the board, doctors paying higher malpractice insurance, insurers having higher rates due to payouts and legal, etc.  This is why it's not an easy solution -- any change in coverage (single payer, etc.) needs to be matched with protections for doctors (and, in turn, the insurers) from litigation. Not immunity, but protection.

Your kids were in high school with you?

Nevermind.  I realized I had it set to Superheroic instead of Heroic.  That fixed it.

Yeah...as I said above, when Godwin himself weighs in, you can't really argue it anymore...
 
 

Yeah...as I said above, when Godwin himself weighs in, you can't really argue it anymore...
 
 

Yeah...as I said above, when Godwin himself weighs in, you can't really argue it anymore...
 
 

I have to address one point that I keep reading and hearing mistakenly asserted. People entering the United States at other than an established checkpoint, who claim refugee status and request asylum, are not entering the country illegally. American law grants them the right to enter and remain within the United States until their claim for asylum is reviewed. This is done because people suffering persecution in their home countries are rarely allowed to travel freely to points of entry in potential sanctuary countries.
 
Moreover, asylum seekers who enter the United States between those points of entry can exit custody on payment of a bond, and an immigration judge has the jurisdiction to reduce or even waive the bond if circumstances warrant. OTOH people arriving at a point of entry can't pay a bond -- their disposition is wholly at the discretion of ICE officials. Given the publicized attitude of the current American government toward immigrants, that incentivizes crossing the American border at some other location.

Your kids were in high school with you?

Your kids were in high school with you?

Man, the developer must be old.

Man, the developer must be old.

Man, the developer must be old.

Man, the developer must be old.

My son, @Scything, has started playing the Hero System. Yesterday he asked me for a Hero Designer license so that he can make characters on his own.
 
Hero Designer: the multi-generational Hero System character creation software

I think you are going to want to create a new character template? I would read Character Templates chapter and then come back if that does not make sense.
 
- E

The "Allow Cost Multipliers" checkbox under the campaign rules specifies whether the "Cost Multiplier" button will be shown when editing/building powers, lists, etc.
 
A cost multiplier allows you to adjust the cost of an item -- multiply by 2 (double the cost), multiply by 0.5 (halve the cost), etc.

for 1) vi.  Old-school, but wonderfully powerful.

Awesome, kinda what I figured.  Have been driving this version of it until the wheels would fall off.  I guess today is one of the days that the wheels have fallen off.  

for 1) vi.  Old-school, but wonderfully powerful.

Perks tab - Resource Points

Assigning of Resource Points to items is not a character creation issue -- that occurs and changes at game-time.

Perks tab - Resource Points

Actual, declared Nazis would disagree with you. They support the Trump administration.  They are more active since he took office.  There has been a rise/spike in anti-semitism, white nationalism, and racism since Trump took office. Odd, don't you think?
 
You have folks on the Left decrying the administration's policies being white nationalist and in line with Nazi beliefs.

You have white nationalists and actual Nazis supporting the administration and being supported in turn -- as shown in their rather marked rise in activity and "boldness"
 
And then we have people saying "well, they're not actively gassing/starving/shooting people...so I find it offensive when you call them Nazis."

Before you start/continue with the wide-scale labeling, you may want to look up the political ideology of the Nazis.  Specifically how they were and are identified as an extreme conservative/right-wing socio-political stance.