Sorry, my clearly US centric bias was showing. I didn't even think about someone who actually has decent insurance replying on this thread :) I've been fortun

Sorry, my clearly US centric bias was showing. I didn't even think about someone who actually has decent insurance replying on this thread :) I've been fortunate enough to get promoted & change jobs over the past 5 years so I've actually out-paced insurance costs. We'll just see if that continues.