Arguing with the insurance company is not edifying. The best I can say is, it confirms some priors about the force needed to get through the world, day in day out.
Guy from Eritrea talking to a woman and child just arrived from China, all of them in functional English, another day in front of the branch library. He knows “nihao” and she compliments him on it.
You have to get comfortable saying Mass in a half-built cathedral.