The hubs, who has elected to do paperwork during our snow-in (thank God), summoned me to his office where he delivered the bad news, via our insurance company: Our personal umbrella liability policy will no longer cover "humiliation" as a personal injury. To repeat, humiliation is no longer a covered loss. (True story.) "Keep that in mind, dear," he said. Thank God no one sued us after I forced everyone to play "Pin the Tail on the Donkey" on New Year's Eve.