At least you're honest; but I already knew that about you. A man should have strong opinions. I think the price of healthcare insurance will become selective depending upon state of health at some point. If you want to have bad habits, they are going to charge you more. Not in an obvious way; more along the lines of makeing the remedies for self-inflicted illness more difficult to obtain and pay for. I had bad habits; won't go into it but as soon as my son was born I cleaned up big time, thats the real issue. You have an obligation to your family to stay alive as best you can. Now I go to bed early and drink my milk. Eat my fruits and veggies.