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You're right, there are insurance concerns. Thankfully, my fraternity never made a habit out of telling our nationals or insurance co. everything we were involved in. It has everything to do with political correctness. Thats why regulations go beyond the physical. The current idea of hazing often includes anything that makes a pledge feel uncomfortable or stressed or embarassed. Its great that we protect these 18 year old boys from those things, because God knows they'll never in life face periods where they are uncomfortable, stressed or embarassed.
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