“What is insured is the structure itself, not the land, you know, and not the value,” Odigie said.

They argued he later changed his mind and that ultimately he knew the decision would end his daughter's life, as did 63-year-old leader Brendan Stevens.

It can reach the point where people don't know when they need to eat or drink.

Doctors had diagnosed her with aplastic anaemia, also known as bone marrow failure, where the body stops producing enough blood cells.

After morning break, Mrs Curtis is putting together a grab bag for an eight-year-old pupil whose mum rang the school earlier to let them know they've had to leave their home in a hurry.