In the UK we do sometimes moan about the Health Service, or we hear about it going wrong - but it is a different world to the situation in the US.

A cyclist who rides on the pavement and causes an accident here might be prosecuted for doing wrong and causing injury, but it is not down to them to pay for the treatment for their victim, nor to the family to organise payments.

I have never understood the rationale behind the system in the US, even though we have been bombarded with TV programs about US hospitals for decades.

I am glad to read of the good progress your wife is making Rapparee, but I would have the financial worries removed from you too.