Lung cancer is a systemic risk to a human body, but a smart insurer will not wait to change the premium until the first black spot appears on the X-ray.

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The spot kicks off with a black-and-white photo of a young Paul.

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Vertically stacked headlights, a hexagon grille and a low-slung black border also make it easy to spot.

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The only black spot in the opening 45 minutes for United - apart from not capitalising fully on their outstanding approach play - was a yellow card for Tevez after he collided with Almunia in a chase for possession.

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This remark would seem to have been spot-on on two counts, for both men are black and middle class.

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