Mrs H has insurance !! So that's half of us covered. Not me yet to old , bit ageist but there we go. I have been victim of most pc prejudices , I was refused a job because I was a man (twice once overtly) heightism comments and actions and by tall women so that must be a double wammy, oh and a promotion because they needed more women in senior positions. and of course being a white Anglo Saxon male anybody else can make any comment they like because its a 'joke'. Actually I think I might be Norman ? One of these what your surname means suggested Norman or French connections (one for film buffs there). So sacre bleu .