Quote:
Originally Posted by carlwaring
Can open; worms everywhere!
Of course you are 100% correct but I'm sure there'll be at least one person on here who will happily tell you how wrong you, the regulator and the rest of the industry are 
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I think those worms have been well and truly been aired and done over many times. We all know that individual experiences vary from the norm, but I was referring to statistical not anecdotal evidence.