Given a travel related situation, and given a specific question about the situation, summarize the question into a title

[Q]: I am a US citizen who will have worked for 89 days in a Schengen country while on a 90-day tourist visa.

What exactly is my best strategy at US border control? Should I admit to working while travelling, or lie and say I was on vacation?

I fully intend to declare the income earned on my taxes for this year, but I simply want to minimize trouble at the border.

[A]: Returning to US after illegally working in the Schengen area


[Q]: I'm not trying to drive into NYC, but I am curious about the highways. In particular I'm trying to get to Larchmont, NY.

Does it get better or worse close to midnight or after midnight? About how many hours would such a trip take? 

[A]: How bad is traffic from Boston to New York City on New Years Eve?


[Q]: CHOICE travel insurance buying guide mentions alcohol-related exclusions for insurance:


  Alcohol
  
  Cover for overdoing it on vodka and Red Bull and float-tubing down a
  river in Laos isn't included in any policy. Insurers simply won't pay
  for costs arising from you being under the influence of alcohol or a
  drug (except where taken under the advice of a doctor).
  
  Case study: Jenny*
  
  Jenny was nightclubbing with friends in Bali, Indonesia, when she
  became ill after drinking a cocktail. Her friends recognised the
  symptoms of methanol poisoning and rushed her to hospital.
  
  Fortunately, Jenny recovered after two weeks of care. But because she
  had been drinking alcohol at the time she was poisoned, her insurer
  refused to pay the claim.
  
  Jenny's cash-strapped family had to sell their car to pay the $25,000
  in medical expenses.

Alcohol and travel insurance: how does drinking impact your cover? has a look at various travel insurance policies, and lists alcohol-related exclusions for them. For what it's worth, it mentions that just because a company has an exclusion, it's not necessarily a blanket exclusion, such as Southern Cross Travel Insurance (expanded on in their blog post They say "Nothing good happens after midnight!").

I'm aware of the risks of excessive drinking, and I'm not a big drinker - I'm often the only person in a gathering that isn't drinking, but I occasionally have a foreign drink or two when travelling, such as sake or plum wine.

Is it practical to find travel insurance for Australians that has no alcohol-related exclusions at all?

[A]:
Is it practical to find travel insurance that has no alcohol-related exclusions?