We are approaching that bittersweet time of year when we gain an hour of sleep but lose an hour of sunlight. At 2 a.m. on Sunday, November 6, most Americans will set their clocks back one hour as daylight saving time ends.
Part of life is the unforeseen event. It’s why we take out insurance on our homes, cars, health and lives. We want to be covered in case of accidents or emergencies that we just don’t see coming.