單項選擇題Just as each wedding creates potential business for divorce lawyers, so each engagement gives insurers a chance to drum up business. Future spouses, says AlanTuvin of Travelers, an insurer, may wish to protect themselves against something going wrong on the wedding day. It is unlikely that your engaged will run away on horseback, and most insurers wouldn"t cover that anyway. But you never know what might happen.

A typical American wedding costs 25,000 or so. This has fallen a bit over the past quarter- century but still seems costly given how fight American belts are these days. Weddings are pricey because the rich are more likely to marry than the poor, and the average age of newlyweds have gone up, so couples are more prosperous when they eventually tie the knot. High prices, and the fact that many

venues

(舉辦場所) require couples to take out liability insurance, feed demand for wedding insurance. "If some fat lady slips on a canapé and breaks her hip, she doesn"t give a rat"s ass that this is her boyfriend"s cousin"s wedding," hypothesizes Robert Nuccio of Wedsure, an insurer. "She just wants to get paid."

Wedding insurance began in Britain: Cornhill, an insurer, wrote its first policy in 1988. But there were few takers. The idea only took off once transplanted to America. In the early days, says Mr. Nuccio, there were incidents of couples faking engagements to collect a payout. Since then, most policies have a clause that excludes "change of heart". Wedsure does insure against cold feet, but its policy will pay out only if the wedding is cancelled more than 12 months before it is due to take place, thereby guarding against fiancés (or their parents ) phoning the broker once the relationship is already on the rocks.

This does not mean policies are useless. Common causes of payouts include the venue or

caterers

(承辦人) going bankrupt after having taken a big deposit. Extreme weather, a spouse being enlisted by the armed forces and an absent priest can all trigger payouts. Most policies will pay to re-stage the photos if the snapper fails to turn up or disappears with the pictures.

For some, even a small risk of something going wrong on a day that has been planned for months is worth paying to avoid.What"s the meaning of "give a rat"s ass" in para. 2

A．be concerned with

B．demand compensation

C．pay for expenses

D．show one"s anger

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