HOAs implement illegal rules all the time. They were literally first used to end run discrimination laws. It doesn't even have to be insurance, it could be something else to frustrate gun owners lives. That's the beauty of selective enforcement /s
Well firstly interview all of the child's caregivers. Determine the living conditions the child has experienced for the past several years. Determine what failures of supervision happened that resulted in an 8 year old gaining access to a firearm.
Then remediate unsafe living conditions, provide therapy, and charge whatever people who were responsible for the kid with manslaughter.
Prior to launch, we agreed to a comprehensive set of rules to govern image creation, including that people in images be fully clothed.
Apparently they thought about it, but neglected to think that some "vacation" images in the training data might not be tagged with the clothing worn or that the model might sometimes consider only pants to be fully clothed because some of the training data might show topless women in public and not be tagged. Or topless men.
You sound really judgey about forget-me-nows