‘Why the hell did you write that insurance policy for a 96-year-old man going on a skiing holiday?’ shouted the manager at the travel clerk.‘Well,’ said the clerk, ‘I checked the records and no one of that age has ever had a skiing accident.’The skier came to a stop at the end of the run and threw his poles, hat and gloves to the ground as he snorted in disgust, ‘I’ve never skied so badly before!’‘Oh,’ probed an interested instructor, ‘you mean to say you’ve skied before?’