"The terrible pain, suffering, and untimely death caused by events like fire, flood, landslide, hurricane, earthquake, tidal wave, and famine and by diseases like cancer, leprosy and tetanus—as well as crippling defects and deformities like blindness, deafness, dumbness, shriveled limbs, and insanity by which so many sentient beings are cheated of the full benefits of life."