This is developing into an interesting thread, but hey guys can we keep it civil and leave the personal insults out of it please!
As previously posted, everyone is entitled to their opinion without being subjected to personal attacks and insults.
Just for the record, in spite of all the aformentioned on here and the fact that I agree with some of it, I'm still very happy at FZ and knowing what I know now would still have come here and that goes for my wife too! Then again, I do have good life insurance that is valid ANYWHERE! (Feel free to point out the error of my ways if that's your opinion, but please no personal attacks!!)
Skysod.