Today in a small urban centre, you do not have any more wood.

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"Sometimes you have to make yourself take a four wood from the tee, " she said.

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We have field and wood just behind our fence, so you never know.

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Keeping up-to-date on insurance policy assessments is also vital if you have renovated your digs, like redoing the windows, installing new hard wood floors or finishing the basement.

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Mr. ROB ROUTS (Executive, Royal Dutch Shell): Waste materials could be straw, they could be wood and in some cases, for instance, old railroad ties, trees, what have you.

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