My father ran a medium-sized insurance company in Kansas City in my youth and, when we were driving around town, he would point out accidents waiting to happen—say, leaving one’s bicycle sprawled across a path for someone to trip over in the dark. A more subtle form of foresight is playing the percentages—and some improving percentages lead to my suggestion, "Don’t Sleep Alone!"

Young adults mostly die, or become permanently disabled, from accidents. Later in life, heart attacks, cancer, and stroke become more common than accidents. Cancers are insidious but the three others strike without warning. They often require fast treatment to prevent permanent disability or death. How fast is fast?