The preamble to the Vienna declaration of 1993 states that, "All human rights are universal, indivisible and interrelated. The international community must treat human rights globally in a fair and equal manner, on the same footing and with the same emphasis ... the significance of national and regional particularities and various historical, cultural and religious backgrounds must be borne in mind". I suppose that if asked the insurance companies would agree that this is a sound philosophy except for the trans. community of course. WHAT DO YOU THINK OF THE ATTITUDE THE INSURANCE COMPANIES HAVE ABOUT OUR RIGHTS?