>you< (or in this case >her<). The bad numbers just scare us; the good ones allay some of the imaginations.
ie. 'MTBF' may be a useful metric, across a 100K production run of disk drives -- but it's child's-play when factoring in human Will, genes.. just plain Attitude (I. wot.)

And, just a personal-WAG: if her er, deviltry humor-sense is alive and well I?! - I can't think of a more fortuitous combination for cheating the insurance actuaries. Save that skull cap, eh?

Cheers,
Ashton