In one sentence, describe what the following article is about: Umbrella policies are supplemental insurance policies that protect you from liability over and beyond what your homeowner's and automobile policies will pay. Some umbrella policies offer protection both in excess of the amounts in your homeowner's and auto policies (excess coverage), but also offer coverage for items that are not covered in those policies (drop down coverage). Most insurers offer them, so check with yours about rates and pricing. Although it's not very romantic to think about, divorce is an extremely common source of financial loss. Completing a prenuptial agreement with your partner, which agrees on the division of assets beforehand, can help avoid it. Due diligence with lawyers is a must. A prenuptial agreement is only as good as the lawyer who wrote it. Make sure that you employ sharp and honest counsel. Retirement accounts, such as 401(k)s, are often protected from litigation (legal action, such as being sued) by the Employee Retirement Income Security Act. Furthermore, money in 401(k) accounts is also protected from creditors during bankruptcy proceedings. It is therefore a good idea to put as much into these designated retirement accounts as you can. A legal proxy is a person or entity that is authorized to act on your behalf. Forming a legal proxy, like an LLC or a corporation, can also be a good way to protect your assets. These legal entities protect the individual from personal liability if their company is found liable for some type of wrong, but this protection also goes the other way. These corporate forms can be especially useful if the corporation owns your real estate holdings, instead of you as an individual. A corporation is a common legal structure that can protect its owners' assets from litigation. Others include certain types of partnerships and limited liability companies (LLCs). One example of proxy would be if you owned an apartment building. Instead of having the building in your name, you would create a company that owns and manages the property. This would keep your financial assets separate from the company's financial assets. Then, if one of your tenants has an issue and wants to sue, they would sue your company and not you directly. You can also create a trust or foundation to protect your assets from taxation and litigation, provided certain requirements are met. It is advisable that you work with an attorney and/or a financial planner to set up these structures. Life insurance can also be a great way to protect your money from litigation, as most life insurance policies are exempt from an individual's legal liability in many states. Also, buying any kind of insurance obligates an insurer to defend you in court if a litigant tries to go after assets contained in the policy. Since many umbrella policies cover items in excess of amounts in auto and homeowner's policies and losses not covered by either type, buying an umbrella policy can be a great way to shield money from litigants.
Summary: Get a backup insurance plan. Create a prenuptial agreement. Feed your retirement accounts. Create a legal proxy, like a company. Buy life insurance.

Rise upward and forward simultaneously, and keep your spine straight, chest out, and shoulders back. As you post, lean forward about 30 degrees. Allow the horse's motion to direct your post; remember to think of your core, hips, and legs as an extension of the muscles in the horse's back. Don't propel yourself with your feet or legs. You should only rise about 2 inches (5.1cm) out of the saddle. Bouncing hard or propelling yourself with your feet can hurt your horse. Your legs should be relaxed; don't squeeze the horse tightly or use your legs to keep your balance. That said, make sure your calves remain in contact with the horse's barrel. This will help you avoid involuntary leg movements. If you don't maintain control over your legs, you could accidentally kick your horse and confuse it. The pressure on your stirrups should remain steady as you rise and sit. Instead of bracing your ankles and forcing yourself upward, move gently up and down with springy, supple ankles. If you're riding without stirrups, extend your legs and use your seat to balance. Scrunching up your legs can cause you to tightly grip the horse with your knees and thighs.
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One-sentence summary -- Post forward at a 30-degree angle. Keep your calves pressed firmly to the horse's barrel. Maintain steady pressure on your stirrups if you're using them.

Problem: Article: The foil is going to be your key to keeping the burrito from falling apart while you eat it. The tortilla alone may not be wrapped tightly enough to hold all the ingredients in. While it is still wrapped in the foil, stand the burrito up on one end so that it is perpendicular to the table. A well-wrapped burrito should be able to stand up on its own, but this is not necessary for your enjoyment. Open the foil at the top end. Peel around the burrito like you are unwrapping a roll of lifesavers candy, but do not completely unwrap it. Tear off the loose piece of foil and set it aside. The remaining foil will secure the bottom of the burrito maintain its structural integrity as you eat it. If you do end up completely unwrapping the burrito you can try to use the foil as a holder by rewrapping some of it around the bottom. Grab your burrito with both hands to keep it stable. If you're not in a fancy restaurant, you can keep the burrito on the table and lean in to bite it in the early stages. Eventually you'll have to lift it to your mouth. When lifting it from the table to bite, keep it in both hands. Don't squeeze the burrito too tightly. You run the risk of puncturing the tortilla. Most burritos are too big for you to be able to fit its entire girth in your mouth without choking. Your best bet is to start off at one of the corners. Biting the burrito in the middle will just cause the contents to spill out. Take even bites working to keep the top of the burrito level. Every second you hold the burrito suspended above the table you run the risk of it falling apart. The foil will do its job, but while you're chewing, it's best to set the burrito back down. Keep your hands on it to prevent it from falling over. As you make your way further down the burrito, being sure to keep the bites even, tear off about an inch more of the foil and set it aside.
Summary:
Don't unwrap the whole burrito. Stand the burrito upright. Peel the foil down about an inch or two. Use two hands. Take a bite from one of the corners. Work your way across. Rest the end of the burrito back on the table. Peel back more of the foil.