There's a big difference in this particular capacity between a modern day human and our closest competition here on earth. The ability to make contingency plans is probably one of the key defining things that makes it unique. In humans, we use that same basic capacity for contingency planning in a huge variety of different important ways. This underpins the entire insurance industry, because this and the fundamental cognitive insight that the future might not turn out as anticipated drives us to do something about it.

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