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 Check to see if the fund has insurance on bonds in high-riskareas, such as Illinois, which has well-documented budgetproblems, Dalewitz says. But then take that protection with agrain of salt, because this insurance could not always be reliedupon in past crises.
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 Even more disturbing, the Horace Mann Action Coalition said it found more than 20 accounts from students or teachers reporting the abuse since the 1970s. The coalition said the early reporting of abuse by alleged victims and staff shows there was a clear effort to cover up the sickening behavior.