"The man in question is not a stupid man. He's president of a business many in here would recognize."

That doesn't mean diddly squat. Intelligence and common sense are two entirely different things. I have a friend who is well into the genius level, and she has no common sense whatsoever.

All it means is that the increase in his insurance premium probably won't bother him very much. Money does not replace sense. He was lucky that two of the three knew how to swim. What was the fool's plan if two of them hadn't been able to swim?

Sue