After doing a massive scan of the thread again I feel now I have a better pic.
DB you are correct - insurance payout was req'd
However with NZ attempting the rules from the states, and the principles of europe - you can't help but see where the failure points are.
Here is hoping all future life lessons are less painful.
I do however have to agree about the bashing here - but I guess its one of those "do on to others as you want done to you"
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