I'd go w/ KingFish and guess he gets enough SAG work to get insurance. I think it is 3 credits a year. Or maybe 3 credits to maintain membership, I forget. I do know the shuttering of all them Law & Order spin offs sent many a NYC "actor" scrambling for coverage.
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Thinking of cracked-out and/or tweaking whores getting their throats and asses brutalized for the next hit makes me hard. --Rear Admiral