Cath I am not asking you to explain yourself.

I am just asking why you want to keep banging on about a clause which you do not know exists apart from the fact that someone posted it on here as a "ridiculous" rumour.

It remains a rumour, it isn't ridiculous.

But as you say:

"I've been reading about the exclusion clause with interest.

Where it does bother me......

But how do you enforce it?

I didn't start this story and I don't know who did"

oh yes and

"we do not have a problem"