There are times it makes sense to pay extra to carry a second, overlapping policy, notes John Bowe, a Washington-based consultant at Watson Wyatt.

FORBES: Married, with benefits

Edinburgh inside centre John Houston was left grasping at air as Bowe sprinted home for a converted score.

BBC: Ospreys 31-10 Edinburgh

Seven players drop out from the 34-man squad announced for the short training spin in September, with Tommy Bowe injured and Peter Bracken, Tom Court, John Fogarty, Alan Quinlan, Mick O'Driscoll and Rob Kearney not required.

BBC: SPORT | Rugby Union | Irish | Flanker Ferris in Ireland call-up