Each autumn, a new generation of students carries the tools of their education into an environment where those same tools are quietly coveted by others. Britain's insurers observe a familiar pattern: laptops, phones, and bicycles disappear from halls, cafés, and transit stops with quiet regularity, reminding us that the transition to independence carries not only freedom but vulnerability. The wisdom here is ancient — to hold lightly what we value most, and to prepare thoughtfully for the losses we hope never to face.