Thank you all so much for your responses. I have done a lot of reading the last few days about it which has just convinced me more not to do it. I didn't even think about the insurance aspect of it. Although my husband wants me to change my mind he will go with what I say haha. Thank you all for the support. Most of my friends are appalled that I will not be doing it. Oh well, it's not my fault they are less informed on the topic.View Thread