Rising demand for animal products highlights microbiological risks, with animal-welfare measures sometimes creating new hazards. For example, open pens for poultry may increase the spread of communicable diseases like avian influenza.

Some of the products offered by lenders have a built-in 60-day excess, for example Alliance & Leicester, or a 30-day exclusion, such as the Halifax. In other words, the policy does not pay out until a borrower has been off work ill for a minimum of 30 or 60 days. Many customers just cannot envisage such a long period of illness.

To start with, for example this year, 2004, is the bicentennial of Haitian independence.

We know there must be new physics. For example, we cannot explain what dark matter is.

To demonstrate this simultaneity is by no means trivial, because it may for example happen that the product nucleus always forms in an activated state at first.

For a black student to work in southwest Mississippi for example - or in the Delta in 1960, 1961, 1962 - was high-risk work.