[philthy]

What's the '' voluntary '' bit about then? I don't think I've ever heard of that.

I hate it when people say '' What does it matter, you were insured weren't you''?

As you've proved, we still lose out even if we are covered by insurance.

As for the scumbags....Flog 'em and hang 'em I say. Can't do it again if they're dead can they?