OhCanadienne

Quick note on this - We lived in the states (Nebraska) for many years, our employer (it was a small company) didnt have health insurance benefits for his employees - so we tried to purchase private health insurance on our own. I thought they might turn us down cause we smoked. To our surprise, they didnt care about that at all. We were turned down because both hubby and I were 20 lbs overweight. They said there are far more and higher costs to them with obesity than smoking ever created. I believe it. Now I'll go watch the videos in the posts.

kengs333, could you cite your source - and a link if possible - regarding this: Thanks in advance for the info!

Only if we switch to hot-air heat system.