When they get damaged, scuba divers re-cement broken fragments, helping them re-grow - but it is tricky for divers to reach depths over 200m.

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But the obese, the gamblers, rugby players, skiers, the sedentary, the promiscuous who don't practice safe sex, those who won't wear helmets on motorcycles and bikes, horseback riders, pool owners, all-terrain-vehicle operators, small-plane pilots, sunbathers, scuba divers, and surfers -- all of whom cost us money and incur higher than average health care costs -- are still on the job.

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Built on the seabed 10 m below the surface in Key Largo, Florida, the inn (formerly a research facility) caters to deep-sea divers and scuba novices prepared to take a three-hour crash course.

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Sham insurers can take many forms, including phony associations (think the Scuba Divers Association of Nebraska) or even third-party human-resource administrators.

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This is a problem for railway bridges too, according to Network Rail, and it employs scuba divers among its maintenance crew in order to spot damage to bridges - not to mention abseilers - to deal with some of its seafront lines.

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