Have just read a post from Dave on August 11th. I havent been dodging answering, I just missed reading you, Dave, I'll just take a chance and hope no distant relatives of the late W. Rhydwen Jones reads this. Mr. Jones was the boss of the firm W.Rhydwen Jones and Davies, Furniture, and removals and storage with branches in Rhyl, Llandudno, Bangor and Colwyn Bay. It was a limited company. But, around 1963 or 4, Mr Jones was medically told that he was suffering with cancer, and it was bad. The financial implications then came out--Mr Jones, being a strict chapel going man, had always kept a very close eye on his cash, and when the limited company was formed, for whatever reason, he wasent parting with the four valuable properties which he personally owned---he kept them for himself. Now potential death duties came up. His estate was going to be hit hard. So he took out an insurance policy, I'm not sure of the figures because of inflation has messed around with my memory, but in todays terms it was probably something like a three year whole life term, premium £500,000 per annum. If he died in the first year his estate collected 1 and a half million. If he died in the second year the sum was a million. If he died in the third year, half a million. He lived for four years, paid out £1,500,000 in premiums and his estate received nothing. The company virtually sold up and got out whilst they could.