Thanks for taking the time to reply. While I've seen these questions answered many times I have never actually done so myself, but I lack the time the answer deserves right now. Until such time as I can formulate a response befitting the topic, I'll leave you with a quote by Gustave de Molinari which sums up part of my thinking on the subject.

"Anarchy is no guarantee that some people won't kill, injure, kidnap, defraud or steal from others. Government is a guarantee that some will"

:)