Okay, it's like this. There's a tribe living by a river, and in the river there are crocodiles. The tribe has one particular piece of wisdom passed down through the generations. It goes like this: if you happen to meet a crocodile, don't stick your head in its mouth. Every now and then - and who knows the reason - people ignore this advice. Which is sad. Because they die. But very stupid because they were warned. They had a choice. The moral of the story is this: you can't afford ...