Insurance companies jumped on the band wagon and increased premiums for the earlier bogus science claim that second hand smoke is hazardous and kills many, many people. I am pretty sure that second hand smoke has never been listed on a death certificate as 'cause of death'. Furthermore, it is equally likely that no one has ever died of second hand smoke, unless you want to count house fires. Global warming, I can believe that insurance companies would accept a gift like that. Everybody else has.