vs-lhr, I suppose so, but you (we) probably couldnt afford the insurance so no point

. As for different reason, no 2 people are the same and all that, everyone has different personal circumstances, I'm sure there is a TOP 10 though.
On the first day of Christmas my union rep said to me...
... more crew down payments, no more standby, hire more staff and a review of alllowannnncees (all to the tune)
on the second day of....
etc etc