It’s the law of probability. It hasn’t happened to me yet, so its probably not going to . You don’t really buy that though, do you? Go hand your savings to a stranger and tell yourself “They’ll probably give it back.”
Working in the cold can be hazardous. Take a look at what the good folks at OSHA have to say about cold weather preparation.
Or how about the folks over at the CDC. I think they might know something about it too.
Or…we can just ask our friends up north. If the Canadians don’t know what they’re talking about; we’re all lost.