I agree, but companies claim they get lower health insurance cost if all employees are nonsmokers. Also look at cigarette smokers who take "Smoke breaks" during work shifts, lost production.
Perhaps, but if I couldn't smoke, I'd throttle the life out of someone, so in my case, smoking decreases liability.
__________________ "Man's mind is his basic tool of survival. Life is given to him, survival is not." -John Galt