Con Sheffer was fresh out of the University of Oregon in 1954 when he started urging folks to think about some future day when things might go terribly wrong. A tragic accident, say. Or perhaps a heart attack. Days when death rips a hole in the safety net of a hard-working family. Days that no one wants to consider for long, especially at an early age. But Sheffer didn’t stop talking. A tight-budget upbringing and three years of military duty in Korea between his junior and s