Dude and Guy Ballard both graduate students, moved into an apartment near the university. Dude wants to buy renters insurance, but Guy thinks they dont need it because their furniture isnt worth much. Dude points out that, among other things, they have some expensive computer and stereo equipment. To help the Ballards resolve their dilemma, suggest a plan for deciding how much insurance to buy, and give them some ideas for finding a policy.