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I've got income protection insurance, have had for the last 17 years. IIRC it doesn't kick in until I've been unable to work for a month, though, so quite different from the SSP scenario!

Toby still "lurks".

But given his last few posts, I'd be uncomfortable seeing his return unless it came with a truckload of humble pie :muppet:

This!

And butter, no sauce!