sum off: thanx for the prompt reply. aaah..I don't know those legal matters in insurance. thanx for explaining. oh..so that part was suppose to be the guessing part? oh well...I guess U know what my guess was and u think she wasn't dumb to adopt the gal? I mean didn't she think about the expenditure when U have kids? Ani euta manchey le kaati ghaar foor garna sakey ho that she needs a maid. What a lazy bum. Once again just my thoughts, sum off....not implying anything :D