Wow, I hadn't heard that. Doesn't make sense that just having the test (if negative results) would qualify you for "predisposition." And if they're going to start counting genetics as predisposition to rule out insurance coverage, then they'd better start refusing people whose parents have diabetes, heart problems, or any number of other health issues. H-E-L-L-O - this is why reform of the health insurance industry is desperately needed. (Personally, I didn't need to have my credit ruined for 5 years so that I couldn't take out a college loan for my son because the hospital and the insurance company couldn't agree on how much each had to pay, and while they were fighting the hospital turned my account over to a credit agency! I'm still stewing about that one...) - And on that note - have a nice weekend, koponen! - PJH