That’s not how domains work.

I think it’s only collusion if they all talk about doing it. Reading that your competitor raised prices and then raising your own isn’t the same as using back channels with your competitor in order to agree to both raise prices

And usually home owners insurance since that is usually held in escrow by your mortgage company. This isn’t the meme OP thinks it is

If you don’t come into work today you are going to put undue burden on all of your coworkers. It’s certainly not my fault for staffing to the absolute bare minimum so that there is no room for people to be sick or take days off, it’s your fault for being a lazy worker