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Re: 47% comment
Same reason you get car insurance, its about what ifs. You may be a good driver but What If someone hits you, What if you slide on ice and hit a post.
Same reason these safety nets are in place "What If the economy tanks..." yeah it already did, and thankfully we didnt just throw them out on the street and tell them to get a job.
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Scientific theories are the most reliable, rigorous, and comprehensive form of scientific knowledge. This is significantly different from the common usage of the word "theory", which implies that something is a conjecture, hypothesis, or guess.
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