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Most insurers ask a question like this: During the last 12 months have you smoked any nicotine or nicotine replacement products (these include but are not limited to cigarettes, cigars, tobacco products, e-cigarettes, nicotine gum, nicotine patches and vaping etc.) To avoid doubt, if you have used any of these products (even once) in the last 12 months, youll be classified as a smoker

Now weve made the decision to go smoke-free

The U, on the other hand, was to be understood as you, i.e

Elmer Stevenson

FCF is the cash left over after all operating expenses and CapEx are paid, and its the true source of dividends and share buybacks