1 and 3. No issue with 2. It's pretty constant these last few days. We don't really have insurance, it's NHS which is free or lower priced, or private which is quicker/better but more expensive. I explained it to them over the phone and they didn't seem to have an idea of what it could be, so immediately the worst case (taking it out) came to mind. I don't *think* it will come to that, we'll see Saturday I guess lol.