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One reason we spend time running financial ratios in class is to get a good estimate of a client’s emergency fund situation. As this module highlights, emergency funds can be a useful tool in managing client insurance expenditures. For example, if a client has enough money parked they can elect higher deductibles and long elminination periods for disability and LTC coverage. In addition to the “normal” sources of emergency funds (e.g., savings, checking, MMMF, etc.) what other sources do you think a client can use in case of a health emergency?