ok i was incorrect on that part... but i am correct in the shift of risk from the insurance company to the individual, where the insurance company is directly making the individual a victum of violent crime....
BTW.. i am happy

--- to be back in good ol CT. Wasnt actually in Jozie, was in Sabie, Eastern Transvaal. Friggin seriously beautiful part of the world. To mountain bikers, its what indo was to us surfers 20 yrs back, untouched, perfect downhills and no crowds...
The ANC is campaining big time up there, all over both provinces... and all the sheep are like zombies.. all droning the same tune...zuma, zuma, zuma......