Pop quiz

You are filling your coffee mug from the tap at your office, when you smell a distinct metallic odor. Do you:
a. dump out the water in your mug and seek another source;
b. stick your nose in your partially filled mug to determine if the smell is coming from the water;
c. put your mouth under the tap to see if it tastes like metal too; or,
d. pretend you never smelled anything and finish making your cup ‘o joe?

If you answered “c” or “d,” you are what people in the life insurance industry refer to as “bad business.”

If you answered “d,” then I’d like to offer you a cup, the smell of lead lends a wonderful bouquet to your average cup o’ joe.