obviously, in real life few underwriting decisions are that easy or clear-cut. when quoteschimp apply for insurance you come to the underwriting table with a mix of characteristics that will be considered as either positive (presenting a low risk to the company) or negative (presenting a high risk to the company). the under?writers will then consider your entire statistical profile and decide whether, overall, you present an average risk to the company (standard), a high risk (substandard), or a low risk (preferred). preferred risks will be quickly accepted and offered the best price. standard risks will be accepted and offered the standard price. substandard risks will either be rejected, or accepted on the condition that they pay a higher price or, sometimes, that they accept lower benefits.

so many great ideas, holly!i picture a silpme black, long-sleeve workout outfit with black sheer tights. don't cover your head with a hat or wig, but vampy make-up. black leather high-heal boots. black toulle scarf around your neck. i think you can still do your workout in the boots. every exercise in the circuit will require a broom. v-ups, y-squats,broomstick lunge to raise,hip extensions, woodchops, 1-leg romanian deadlifts, broomstick swing, broomstick side lunge to raise, broomstick diagonal lunges,broomstick good mornings,etc. need more ideas for upper body this sounds like so much fun!