David, poimt taken, but you must understand I mentioned indemnity insurance and, this type of insurance becomes very expensive if drawn upon.

This is why I say we should pay more, but only with the insurance in place.

Dear behctub,

You are setting up a lawyer's and bureaucrat's paradise. I can imagine a legal thicket with the evaluation of responsibility of claims for misfeasance, nonfeasance and malfeasance. A layer of bureaucracy would have to be sent up parallel to government to bring the claims, evaluate them and adjudicate them. In addition additional layers of bureaucracy would be set up in the insurance companies to contest the claims.

I would not want the insurance in place. Here the words of Hamlet apply: "And makes us rather bear those ills we have/ Than fly to others that we know not of"

I'm trying to think of a labor promise not broken, or policy not scrapped or stuffed up.

If we should trust the Dudd I am at a loss to know why.