Veteran 74-77, retired saginaw city police 2012, working full time again saginaw county sheriff dept, (foc), worked various security agencies 2012-2018, married 26yrs now, conservative, firearms instructor well over 20yrs. i believe if you carry , you need to train and you need insurance such as this! (it will never happen here or it will never happen to me or i just can’t believe this happen to us) thats for the sheep!