Answer: All of them would be best, but in my opinion health insurance would be best, as the teen would have to go to the doctor for vaccines and check ups. Those are usually not cheap without insurance. In the event that teen gets hurt, enough for surgery, the insurance should cover the cost of that procedure.
Though you could argue for all of the other ones.
"Second, it's unlikely that the same creature has lived in the loch since the last ice age." is the best supporting passage for the idea that Nessie is not a plesiousaur. This is because any creature would have died by now from any number of causes. The loch is not large enough to maintain that big and ancient of a creature for such a long time. There would have been more sightings or it would have been found by now if it had been in the lake since the last ice age which occurred over 12,000 to 2,000,000 years ago.
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The setting of a story is the environment your characters are in. The location, time, and weather all play major points in a story, and a well-described setting can make it more interesting for your readers
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