A cool $45,000 when I had my car accident would have been right on time (and no, I did not die). I could have been investing in my own untimely broken rib and stents five years later, not to mention Plavix plus my own 'permanent deferral.' I'm not allowed to give blood anymore.
The agent also said financial crisis does not follow foreclosure, but hospital bills and illness. You can learn something from anybody.