As a college student (and despite studying Engineering), I’m occasionally required to write paper for class. Sometimes they’re simply one-off papers that only need to be a page or two (like for my Ethics class), in which case it doesn’t really matter what I write the papers in or whether I back them up in any meaningful capacity. In theory, if the worst happened and I lost the file, I could rewrite it in a couple of hours and it wouldn’t be the end of the world. The lion’s share of the effort invested would have been on the ideas, and a similar paper could be rewritten in even less time.
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