What a time to find out you're not covered by HBF! And can I save my nipple?

Thanks Arpie!  And today more good news- HBF is reinstating my cover!  My girlfriends came over on the weekend and helped me write a complaint to them and they called me today and said it was their error that they never communicated with me that the cover was being cancelled so they allowed me to back-pay and continue with my previous level of cover!  <3 I'm thrilled about that but still going public now as I was so impressed with Fiona Stanley.