Apologies for the turn of phrase used.
Of course I am generalising and of course there are genuine exceptions, perhaps such as yourselves, where the right advice is not to have AZ.
I am referring to people who make their minds up based on rumour and innuendo who happily accept 1:100K or even 1:10K risk every other day but not the 1:1.5M associated with AZ.
Sorry you felt I singled you out.

