While you still have to pay for claims out of pocket, pet insurance reimburses you on the back end. This comes in handy when your floofer decides to have a brush with death.

subtle + -ty → subtlety

In 1703 Peter ordered the construction of the Vyshnii Volochek Canal, a 2-mile passage to connect the Tversta river (an outbranch of the Volga) and the Msta (on which a transit to the Neva could be made via Lake Ilmen, the Volkhov, and Lake Ladoga).

I expect it was stealing from the till, taking home free food and giving 100% discounts to nigger mates in exchange for gibs.