To the person from Lower who complained about Michelle Obama's comment: They were right. The first lady stated that young adults think they are invincible, will not get hurt and do not need insurance. I did stupid things, along with my friends in my early 20's, including diving into a pool off the balcony of a motel room and water skiing drunk in the Cape May Harbor. Now, if you do not have insurance, it can put you in debt for life.