FEBA
1) I note with interest that you're still unable to actually answer the points raised.
2) You have posted whole responses consisting only of 'handbagging'. I at least include my gentle barbs while continuing the debate.
Madsdad
Of course it's a tough choice, and in an ideal world we'd all carry sufficient insurance. Make no mistake, in an ideal world I'd keep the SHar and the carriers. But in todays budgetary conditions, if something HAS to go, there is no better candidate for the chop.
J