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Bus factor. You could die they would still have to go on. Move on.

I like to think if I won the lotto. But I'm an optimists especially since I don't play.

If I won the lotto, I'd follow my conscience and continue working through the end of whatever project I'm on.

The same can't be said for being hit by a bus.

So I think "bus factor" is a much better name for it.