Exactly that's my point, you were aware of it, you had all the information and still decided to proceed and appear very pleased - Good stuff! All I'm saying is that others should be made aware (as you were) before deciding, if they to decide to proceed excellent, whereas someone else may interpret what happened too risky and go elsewhere - it's there choice and their decision based on all the information they have at hand. If I was to ask you to recommend an insure, I suspect you'd recommend AF, if you were to ask me, I'd recommend Lancaster.!!
I guess it's just two differing opinions, we just have to agree to disagree this time .