Recently I heard a typical radio ad trying to frighten people into purchasing long-term care insurance. The big scare line was that “three out of five Americans will need institutional care, which can cost $60,000 per year."

McGough has not a string to his bow. He had no friends behind him; that was the trouble.

Walters tried a long range shot in the third minute as he opened the game sharply, linking well with Robbie Keane, but goalkeeper Sergei Pareiko gathered the ball with ease.

a raspish voice