I always expect intelligent input when I see your signature, I'm overawed by a man who can fill 120 gbs!

Once we start talking terms and conditions, assemblers have to get legal eagles into the mix. From business experience, certainly in the UK, it's generally cheaper and more quibble free to pay the insurance people to cover you - and, believe me, I wouldn't want to pay money to those guys unless it was absolutely necessary!
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Politics and Ideology: Not my bag