Anson and Quigley were close friends.

They were joint owners in a small company that ran a sight seeing boat doing harbour tours in a city popular with tourists.

The business had been growing nicely from its fitful start some nine years ago. In fact they had sold the initial boat and upgraded to a character wood vessel that was much admired by their many clients as it plied the waters of this lovely harbour city, stopping here and there to point out and admire the local architecture or attraction.

The boat was very expensive and they and their wives had gone on the hook to the bank to finance it but they were confident it would pay off very well.

Even though Anson and Quigley were close friends, they did not share common views on personal finances.

Anson was by far the more cautious but when he broached the subject of protection from any potential catastrophic event, Quigley would shrug off any of Anson