Unless your in a wheel chair or dead you get zip, gone are the days when people take responsibility for there own actions, it's now a case of who can I sue, like Alison said just the way society is going, we are fast becoming if not already are the 53rd state of America, for me the cost of it all is taking the fun right out of it, no wonder some clubs are going it alone, and doing very well from all reports...
Anyway put the dummy back in and go round for another year, see what next year brings..