$800/month may be doable for you, but there may be people for whom it is
not. Example: 40-odd year-old couple (no kids, no more parents). Both
lost full-time jobs. One of them can retain the job, but is only paid 50%
as a part-time person. No benefits. Cobra costs over $1000/month.

That can be tough in NY City.
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Best regards
Han
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