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It's not an insurance driven ban. MJ could certainly provide coverage that would include allowing of alcohol...but who could afford it? And how would it be monitored? And it's just been in the past 10 years or so that all NPC groups went with MJ. Some were in FIPG with some fraternities. It's the litigious society that we are living in these days that is driving this issue. Along with rules for men in the house and pets. We just can't afford to take chances.
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