You completely  the wife actually what  erm  another good point was that you got in are, are there dependants  there were certain close questions again, the fact that the wife smoked a pipe gave you the opportunity to turn round and say well that's, that's good, that's a benefit because she could be classed as a non-smoker  there's just wee er opportunities there and that's as much as I had if anyone else wants to add to  these comments.