http://lm360.us/Lippy-neighbour-of-Gurne-from-Le-Bourg-d'ire?Dumbarbro=120 .the school in yarmouth that year had a low opt-out rate � 2 percent, the superintendent said � so there was a cap on the amount of disruption an illness could cause. . . . . .“contrary to public belief, the majority of claims are paid out and scottish widows should be proud of how many families they helped during such challenging times.” .+91 .