Hope they recover your stuff <img src="/ubbthreads/images/graemlins/mad.gif" alt="" />. You might want to consider changing your insuranse. In todays world I review my vehicle- house- health-life - living trusts etc every year. I just came from an estate planning meeting last night and am schocked at how fast laws are changing <img src="/ubbthreads/images/graemlins/shocked.gif" alt="" /> <img src="/ubbthreads/images/graemlins/crazy.gif" alt="" />. A guy needs to stay right on top of that stuff- hang in there <img src="/ubbthreads/images/graemlins/thumbup.gif" alt="" />