diff --git a/gamedir/Data-1.13/TableData/Backgrounds.xml b/gamedir/Data-1.13/TableData/Backgrounds.xml
index e10f23713..417a52614 100644
--- a/gamedir/Data-1.13/TableData/Backgrounds.xml
+++ b/gamedir/Data-1.13/TableData/Backgrounds.xml
@@ -78,6 +78,7 @@
     
     <breachingcharge>0</breachingcharge>              <!-- +- success chance with door braching charges, -100 to 100 -->
     <cth_vs_creatures>0</cth_vs_creatures>            <!-- +- cth with firearms when aiming at creatures, -20 to 20 -->
+    <insurance>0</insurance>                          <!-- +- % insurance cost, -50 to 200 -->
     
     <!-- on/off properties: 1 for on, 0 for off -->      
     <druguse>0</druguse>                              <!-- might use drugs from inventory (the 'Larry'-behaviour) -->
@@ -93,14 +94,14 @@
     <uiIndex>1</uiIndex>
     <szName>Arms Dealer</szName>
     <szShortName>Arms Dealer</szShortName>
-    <szDescription>Experience earned in years of arms trade leads to better deals when buying and selling guns.</szDescription>
+    <szDescription>Experience earned in years of arms trade leads to better&#10; deals when buying and selling guns.</szDescription>
     <betterprices_guns>10</betterprices_guns>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>2</uiIndex>
     <szName>Law Enforcement</szName>
     <szShortName>Law Enforcement</szShortName>
-    <szDescription>Former law enforcement personnel often seek work in the mercenary world, and are the logical choice for handling captives.</szDescription>
+    <szDescription>Former law enforcement personnel often seek work in the &#10;mercenary world, and are the logical choice for handling captives.</szDescription>
     <interrogation>150</interrogation>
     <prisonguard>50</prisonguard>
   </BACKGROUND>
@@ -108,14 +109,14 @@
     <uiIndex>3</uiIndex>
     <szName>Prison Guard</szName>
     <szShortName>Prison Guard</szShortName>
-    <szDescription>In longer and larger conflicts, former prison guards are natural choices for running prison camps.</szDescription>
+    <szDescription>In longer and larger conflicts, former prison guards are natural&#10; choices for running prison camps.</szDescription>
     <prisonguard>300</prisonguard>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>4</uiIndex>
     <szName>Gang Member</szName>
     <szShortName>Gang Member</szShortName>
-    <szDescription>Becoming a mercenary is a natural step for many gang members - job's the same, tools and pay much better.</szDescription>
+    <szDescription>Becoming a mercenary is a natural step for many gang members&#10; - job's the same, tools and pay much better.</szDescription>
     <approach_threaten>10</approach_threaten>
     <meleedamage>3</meleedamage>
     <cth_blades>2</cth_blades>
@@ -124,7 +125,7 @@
     <uiIndex>5</uiIndex>
     <szName>Convict</szName>
     <szShortName>Convict</szShortName>
-    <szDescription>Anyone surviving in a merciless prison is bound to be more dangerous on release - if he survives that long.</szDescription>
+    <szDescription>Anyone surviving in a merciless prison is bound to be more&#10; dangerous on release - if he survives that long.</szDescription>
     <resistance_poison>5</resistance_poison>
     <resistance_physical>2</resistance_physical>
     <meleedamage>2</meleedamage>
@@ -133,15 +134,16 @@
     <uiIndex>6</uiIndex>
     <szName>Drug Addict</szName>
     <szShortName>Drug Addict</szShortName>
-    <szDescription>Given the nature of today's drugs, addicts can make fearsome, yet unreliable, opponents.</szDescription>
+    <szDescription>Given the nature of today's drugs, addicts can make fearsome,&#10; yet unreliable, opponents.</szDescription>
     <druguse>1</druguse>
     <scrounging>1</scrounging>
+    <insurance>30</insurance>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>7</uiIndex>
     <szName>Nobility</szName>
     <szShortName>Nobility</szShortName>
-    <szDescription>Some people join this business not out of necessity. While easy to label them as sissy aristocrats, some are actually quite capable, as they have received the best training money can buy.</szDescription>
+    <szDescription>Some people join this business not out of necessity. While&#10; easy to label them as sissy aristocrats, some are actually quite capable, as they have received the best training money can buy.</szDescription>
     <xenophobic>1</xenophobic>
     <marksmanship>1</marksmanship>
   </BACKGROUND>
@@ -149,14 +151,14 @@
     <uiIndex>8</uiIndex>
     <szName>Lawyer</szName>
     <szShortName>Lawyer</szShortName>
-    <szDescription>A somewhat unorthodox background for a mercenary, former lawyers might be useful when there's a deal to be made on a knife's edge.</szDescription>
+    <szDescription>A somewhat unorthodox background for a mercenary, former &#10;lawyers might be useful when there's a deal to be made on a knife's edge.</szDescription>
     <capitulation>20</capitulation>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>9</uiIndex>
     <szName>Pilot</szName>
     <szShortName>Pilot</szShortName>
-    <szDescription>Used to physical stress over long periods, some pilots find the transition to ground combat surprisingly easy.</szDescription>
+    <szDescription>Used to physical stress over long periods, some pilots find&#10; the transition to ground combat surprisingly easy.</szDescription>
     <mechanical>3</mechanical>
     <travel_air>10</travel_air>
   </BACKGROUND>
@@ -164,14 +166,14 @@
     <uiIndex>10</uiIndex>
     <szName>Priest</szName>
     <szShortName>Priest</szShortName>
-    <szDescription>Many devout followers of any religion or cult area surprisingly violent and zealous if pushed in the right (or wrong) direction.</szDescription>
+    <szDescription>Many devout followers of any religion or cult area surprisingly&#10; violent and zealous if pushed in the right (or wrong) direction.</szDescription>
     <approach_recruit>10</approach_recruit>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>11</uiIndex>
     <szName>Nurse</szName>
     <szShortName>Nurse</szShortName>
-    <szDescription>While not full-blown doctors, nurses are still in high demand in warzones, due to the grim business.</szDescription>
+    <szDescription>While not full-blown doctors, nurses are still in high demand&#10; in warzones, due to the grim business.</szDescription>
     <speed_bandaging>20</speed_bandaging>
     <medical>7</medical>
   </BACKGROUND>
@@ -179,7 +181,7 @@
     <uiIndex>12</uiIndex>
     <szName>ANC Veteran</szName>
     <szShortName>ANC Veteran</szShortName>
-    <szDescription>Militant veterans of the ANC's struggle were not only versed in jungle warfare, but also in political theory.</szDescription>
+    <szDescription>Militant veterans of the ANC's struggle were not only versed&#10; in jungle warfare, but also in political theory.</szDescription>
     <ap_swamp>3</ap_swamp>
     <leadership>6</leadership>
     <approach_recruit>5</approach_recruit>
@@ -188,7 +190,7 @@
     <uiIndex>13</uiIndex>
     <szName>Construction Work</szName>
     <szShortName>Construction</szShortName>
-    <szDescription>Construction workers are used to hard labour, and can construct fortifications better than deskjob heroes.</szDescription>
+    <szDescription>Construction workers are used to hard labour, and can construct&#10; fortifications better than deskjob heroes.</szDescription>
     <strength>6</strength>
     <ap_fortify>-10</ap_fortify>
     <carrystrength>8</carrystrength>
@@ -197,14 +199,15 @@
     <uiIndex>14</uiIndex>
     <szName>Skydiver</szName>
     <szShortName>Skydiver</szShortName>
-    <szDescription>If you want to put your life to risk, might as well earn cash by it...</szDescription>
+    <szDescription>If you want to put your life to risk, might as well earn cash&#10; by it...</szDescription>
     <ap_airdrop>25</ap_airdrop>
+    <insurance>40</insurance>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>15</uiIndex>
     <szName>Drill Sergeant</szName>
     <szShortName>Drill Sergeant</szShortName>
-    <szDescription>A drill sergeant's job is to create armies and traumatise young men and women.</szDescription>
+    <szDescription>A drill sergeant's job is to create armies and traumatise &#10;young men and women.</szDescription>
     <leadership>6</leadership>
     <marksmanship>4</marksmanship>
     <approach_threaten>10</approach_threaten>
@@ -214,7 +217,7 @@
     <uiIndex>16</uiIndex>
     <szName>Bouncer</szName>
     <szShortName>Bouncer</szShortName>
-    <szDescription>Doormen make good soldiers in close combat, though the killing part is a change (hopefully).</szDescription>
+    <szDescription>Doormen make good soldiers in close combat, though the &#10;killing part is a change (hopefully).</szDescription>
     <meleedamage>4</meleedamage>
     <dexterity>2</dexterity>
   </BACKGROUND>
@@ -222,25 +225,27 @@
     <uiIndex>17</uiIndex>
     <szName>Hitman</szName>
     <szShortName>Hitman</szShortName>
-    <szDescription>Professional assassins are obviously used to killing, though might come in conflict with more idealistic team members.</szDescription>
+    <szDescription>Professional assassins are obviously used to killing, &#10;though might come in conflict with more idealistic team members.</szDescription>
     <stealth>4</stealth>
     <marksmanship>2</marksmanship>
     <approach_friendly>-10</approach_friendly>
+    <insurance>10</insurance>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>18</uiIndex>
     <szName>Bomber</szName>
     <szShortName>Bomber</szShortName>
-    <szDescription>Wether you call them terrorists or freedom fighters often depends on your relation to those killed.</szDescription>
+    <szDescription>Wether you call them terrorists or freedom fighters often &#10;depends on your relation to those killed.</szDescription>
     <explosives>6</explosives>
     <breachingcharge>30</breachingcharge>
     <traplevel>1</traplevel>
+    <insurance>40</insurance>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>19</uiIndex>
     <szName>Bodyguard</szName>
     <szShortName>Bodyguard</szShortName>
-    <szDescription>Superbly trained, utterly loyal, and willing to pay the ultimate price. What more could a potential employer want?.</szDescription>
+    <szDescription>Superbly trained, utterly loyal, and willing to pay the &#10;ultimate price. What more could a potential employer want?.</szDescription>
     <ap_inventory>-10</ap_inventory>
     <strength>1</strength>
     <resistance_physical>3</resistance_physical>
@@ -250,7 +255,7 @@
     <uiIndex>20</uiIndex>
     <szName>SWAT Member</szName>
     <szShortName>SWAT</szShortName>
-    <szDescription>Blurring the line between police and military, SWAT teams are used in urban operations too dangerous for normal law enforcement.</szDescription>
+    <szDescription>Blurring the line between police and military, SWAT teams are &#10;used in urban operations too dangerous for normal law enforcement.</szDescription>
     <ap_urban>2</ap_urban>
     <ap_assault>2</ap_assault>
     <interrogation>75</interrogation>
@@ -270,7 +275,7 @@
     <uiIndex>22</uiIndex>
     <szName>Miner</szName>
     <szShortName>Miner</szShortName>
-    <szDescription>Working in a mine is hard, punishing work. No wonder some start to look for easier cash.</szDescription>
+    <szDescription>Working in a mine is hard, punishing work. No wonder some start &#10;to look for easier cash.</szDescription>
     <ap_fortify>-20</ap_fortify>
     <strength>5</strength>
     <level_underground>1</level_underground>
@@ -290,7 +295,7 @@
     <uiIndex>24</uiIndex>
     <szName>UN Peacekeeper</szName>
     <szShortName>UN</szShortName>
-    <szDescription>Nations of the entire world provide these troops to solve all conflicts without any violence. Sadly, this statment is false.</szDescription>
+    <szDescription>Nations of the entire world provide these troops to solve all &#10;conflicts without any violence. Sadly, this statment is false.</szDescription>
     <capitulation>14</capitulation>
     <speed_bandaging>10</speed_bandaging>
     <approach_friendly>4</approach_friendly>
@@ -299,7 +304,7 @@
     <uiIndex>25</uiIndex>
     <szName>SAS</szName>
     <szShortName>SAS</szShortName>
-    <szDescription>The british Special Air Service is one of the world's most famous special forces units, and is exceptionally well versed in airborne missions.</szDescription>
+    <szDescription>The british Special Air Service is one of the world's most &#10;famous special forces units, and is exceptionally well versed in airborne missions.</szDescription>
     <ap_airdrop>20</ap_airdrop>
     <resistance_fear>3</resistance_fear>
     <speed_run>10</speed_run>
@@ -310,7 +315,7 @@
     <uiIndex>26</uiIndex>
     <szName>Rebel</szName>
     <szShortName>Rebel</szShortName>
-    <szDescription>Outgunned and outnumbered, Miguel's rebels faced extinction before help came from the outside.</szDescription>
+    <szDescription>Outgunned and outnumbered, Miguel's rebels faced extinction &#10;before help came from the outside.</szDescription>
     <ap_urban>2</ap_urban>
     <leadership>4</leadership>
     <travel_foot>5</travel_foot>
@@ -324,7 +329,7 @@
     <uiIndex>27</uiIndex>
     <szName>Metaviran Native</szName>
     <szShortName>Metavira</szShortName>
-    <szDescription>The indigenous people of Metavira have adjusted to the hostile jungle there. After the liberation, some joined the foreigners, and sought their luck elsewhere.</szDescription>
+    <szDescription>The indigenous people of Metavira have adjusted to the hostile &#10;jungle there. After the liberation, some joined the foreigners, and sought their luck elsewhere.</szDescription>
     <ap_swamp>3</ap_swamp>
     <ap_tropical>3</ap_tropical>
     <ap_swimming>-10</ap_swimming>
@@ -337,7 +342,7 @@
     <uiIndex>28</uiIndex>
     <szName>Metaviran Shaman</szName>
     <szShortName>Shaman</szShortName>
-    <szDescription>Leaders of their communities since ages long forgotten, shamans posess medical knowledge unknown to western eyes.</szDescription>
+    <szDescription>Leaders of their communities since ages long forgotten, shamans &#10;posess medical knowledge unknown to western eyes.</szDescription>
     <ap_swamp>3</ap_swamp>
     <ap_tropical>3</ap_tropical>
     <medical>10</medical>
@@ -347,7 +352,7 @@
     <uiIndex>29</uiIndex>
     <szName>SOG Member</szName>
     <szShortName>SOG</szShortName>
-    <szDescription>The Studies and Observations Group was a classified special forces unit conductong unconventional warfare in Vietnam.</szDescription>
+    <szDescription>The Studies and Observations Group was a classified special forces &#10;unit conductong unconventional warfare in Vietnam.</szDescription>
     <ap_swamp>2</ap_swamp>
     <ap_tropical>4</ap_tropical>
     <cth_blades>3</cth_blades>   
@@ -358,7 +363,7 @@
     <uiIndex>30</uiIndex>
     <szName>Military Advisor</szName>
     <szShortName>Military Advisor</szShortName>
-    <szDescription>Pointing the gun in the right direction is a start, but someone needs to teach these people how to teach other people where to point.</szDescription>
+    <szDescription>Pointing the gun in the right direction is a start, but someone needs &#10;to teach these people how to teach other people where to point.</szDescription>
     <leadership>5</leadership>
     <approach_direct>10</approach_direct>
   </BACKGROUND>
@@ -366,7 +371,7 @@
     <uiIndex>31</uiIndex>
     <szName>Paramilitary Instructor</szName>
     <szShortName>Instructor</szShortName>
-    <szDescription>Just like boyscouts. But with with violence. So not like boyscouts at all.</szDescription>
+    <szDescription>Just like boyscouts. But with with violence. So not like boyscouts &#10;at all.</szDescription>
     <leadership>8</leadership>
     <approach_recruit>10</approach_recruit>
     <xenophobic>1</xenophobic> 
@@ -375,7 +380,7 @@
     <uiIndex>32</uiIndex>
     <szName>Red Army</szName>
     <szShortName>Red Army</szShortName>
-    <szDescription>With russian stoicism, the red army prevailed against Hitler, father frost, and chronic shortages.</szDescription>
+    <szDescription>With russian stoicism, the red army prevailed against Hitler, &#10;father frost, and chronic shortages.</szDescription>
     <ap_polar>8</ap_polar>
     <mechanical>4</mechanical>
     <resistance_fear>10</resistance_fear>
@@ -405,7 +410,7 @@
     <uiIndex>35</uiIndex>
     <szName>Tuareg</szName>
     <szShortName>Tuareg</szShortName>
-    <szDescription>The tuareg are a berber people that lead a nomadic life in the Sahara.</szDescription>
+    <szDescription>The tuareg are a berber people that lead a nomadic life in &#10;the Sahara.</szDescription>
     <ap_desert>8</ap_desert>
     <ap_swimming>+20</ap_swimming>
     <travel_foot>5</travel_foot>
@@ -416,7 +421,7 @@
     <uiIndex>36</uiIndex>
     <szName>Firefighter</szName>
     <szShortName>Firefighter</szShortName>
-    <szDescription>Just because it involves no shooting, it doesn't have to be less dangerous.</szDescription>
+    <szDescription>Just because it involves no shooting, it doesn't have to be &#10;less dangerous.</szDescription>
     <ap_height>2</ap_height>
     <mechanical>3</mechanical>
     <explosives>2</explosives>
@@ -427,7 +432,7 @@
     <uiIndex>37</uiIndex>
     <szName>Competitive Shooter</szName>
     <szShortName>Competitive Shooter</szShortName>
-    <szDescription>Some people display a knack for shooting, and a disturbing aggression against innocent paper bull's eyes.</szDescription>
+    <szDescription>Some people display a knack for shooting, and a disturbing &#10;aggression against innocent paper bull's eyes.</szDescription>
     <marksmanship>3</marksmanship>
     <increased_maxcth>1</increased_maxcth>
   </BACKGROUND>
@@ -463,7 +468,7 @@
     <uiIndex>41</uiIndex>
     <szName>Smith</szName>
     <szShortName>Smith</szShortName>
-    <szDescription>In a warzone without the usual comforts, it is very useful to have people who can maintain your gear.</szDescription>
+    <szDescription>In a warzone without the usual comforts, it is very useful to &#10;have people who can maintain your gear.</szDescription>
     <mechanical>8</mechanical>
     <betterprices>2</betterprices>
   </BACKGROUND>
@@ -471,7 +476,7 @@
     <uiIndex>42</uiIndex>
     <szName>GSG9</szName>
     <szShortName>GSG9</szShortName>
-    <szDescription>Formed after the disastrous Munich massacre in 1972, GSG9 is a german counter-terrorism unit.</szDescription>
+    <szDescription>Formed after the disastrous Munich massacre in 1972, GSG9 is a &#10;german counter-terrorism unit.</szDescription>
     <ap_urban>2</ap_urban>
     <interrogation>50</interrogation>
     <prisonguard>37</prisonguard>
@@ -482,13 +487,14 @@
    <uiIndex>43</uiIndex>
    <szName>Office Worker</szName>
    <szShortName>Office Worker</szShortName>
-   <szDescription>Air conditioning, watered down coffee and some papers to push - what else can you expect from life?</szDescription>
+   <szDescription>Air conditioning, watered down coffee and some papers to push - &#10;what else can you expect from life?</szDescription>
    <approach_direct>5</approach_direct>
    <resistance_suppression>-10</resistance_suppression>
    <ap_urban>2</ap_urban>
    <ap_desert>-5</ap_desert>
    <ap_swamp>-5</ap_swamp>
    <ap_tropical>-5</ap_tropical>
+   <insurance>-20</insurance>
  </BACKGROUND>
  <BACKGROUND>
    <uiIndex>44</uiIndex>
@@ -528,7 +534,7 @@
    <uiIndex>47</uiIndex>
    <szName>Backstage Crew</szName>
    <szShortName>Backstage Crew</szShortName>
-   <szDescription>Blasting sounds, fireworks, screaming people - isn't it odd how similar stage is to the battlefield?</szDescription>
+   <szDescription>Blasting sounds, fireworks, screaming people - isn't it odd how &#10;similar stage is to the battlefield?</szDescription>
    <mechanical>3</mechanical>
    <resistance_suppression>10</resistance_suppression>
    <hearing_night>-3</hearing_night>
@@ -538,7 +544,7 @@
    <uiIndex>48</uiIndex>
    <szName>Technical Wizard</szName>
    <szShortName>Tech Whiz</szShortName>
-   <szDescription>No matter if it's a thirty years old junk or latest electronic gadget, tech whiz can rewire, reassemble and reconfigure it with eyes closed.</szDescription>
+   <szDescription>No matter if it's a thirty years old junk or latest electronic &#10;gadget, tech whiz can rewire, reassemble and reconfigure it with eyes closed.</szDescription>
    <mechanical>5</mechanical>
    <ap_inventory>-10</ap_inventory> 
   </BACKGROUND>
@@ -546,7 +552,7 @@
    <uiIndex>49</uiIndex>
    <szName>Graduate</szName>
    <szShortName>Graduate</szShortName>
-   <szDescription>Fresh outta school, with diploma still warm in a hand, it's time to finally make yourself a living.</szDescription>
+   <szDescription>Fresh outta school, with diploma still warm in a hand, it's time &#10;to finally make yourself a living.</szDescription>
    <wisdom>3</wisdom>
    <resistance_suppression>-10</resistance_suppression>
   </BACKGROUND>
@@ -554,7 +560,7 @@
    <uiIndex>50</uiIndex>
    <szName>Law Enforcement</szName>
    <szShortName>Law Enforcement</szShortName>
-   <szDescription>Hey detective, did you manage to solve the case of the disappearing donuts yet?</szDescription>
+   <szDescription>Hey detective, did you manage to solve the case of the disappearing &#10;donuts yet?</szDescription>
    <interrogation>150</interrogation>
    <prisonguard>50</prisonguard>
    <food>50</food>
@@ -578,7 +584,7 @@
    <uiIndex>52</uiIndex>
    <szName>Mascot</szName>
    <szShortName>Mascot</szShortName>
-   <szDescription>Nobody takes you seriously, because you used to walk around in a silly costume? Well, a children's smile is enough compensation!</szDescription>
+   <szDescription>Nobody takes you seriously, because you used to walk around in a silly &#10;costume? Well, a children's smile is enough compensation!</szDescription>
    <approach_friendly>15</approach_friendly>
    <approach_threaten>-10</approach_threaten>
    <interrogation>-20</interrogation>
@@ -599,7 +605,7 @@
    <uiIndex>54</uiIndex>
    <szName>B-Movie Star</szName>
    <szShortName>B-Movie Star</szShortName>
-   <szDescription>Target of thrown popcorn in cinemas around the world, scoffed by critics yet adored by loyal fans.</szDescription>
+   <szDescription>Target of thrown popcorn in cinemas around the world, scoffed by critics &#10;yet adored by loyal fans.</szDescription>
    <approach_friendly>20</approach_friendly>
    <camo>10</camo>
    <capitulation>5</capitulation>
@@ -609,7 +615,7 @@
    <uiIndex>55</uiIndex>
    <szName>Pyrotechnician</szName>
    <szShortName>Pyrotechnician</szShortName>
-   <szDescription>When you want to break enemy morale by blowing up his privy, it's time to get yourself a qualified pyrotechnician.</szDescription>
+   <szDescription>When you want to break enemy morale by blowing up his privy, it's time &#10;to get yourself a qualified pyrotechnician.</szDescription>
    <explosives>5</explosives>
    <breachingcharge>50</breachingcharge>
   </BACKGROUND>
@@ -617,18 +623,16 @@
    <uiIndex>56</uiIndex>
    <szName>Sapper</szName>
    <szShortName>Sapper</szShortName>
-   <szDescription>Sapper can make only two mistakes in his life. The first one is a career choice.</szDescription>
+   <szDescription>Sapper can make only two mistakes in his life. The first one is a &#10;career choice.</szDescription>
    <explosives>8</explosives>
    <breachingcharge>20</breachingcharge>
-   <!-- bonus to spotting explosives? -->
-   <!-- bonus to disarming explosives? -->
-   <!-- increased insurance cost? -->
+   <insurance>30</insurance>
   </BACKGROUND>
   <BACKGROUND>
    <uiIndex>57</uiIndex>
    <szName>Hypochondriac</szName>
    <szShortName>Hypochondriac</szShortName>
-   <szDescription>When you enter a ward, all medical personnel tries to look overly busy or hides around corners in a futile attempt to avoid you. List of your possible afflictions just keeps getting bigger and bigger!</szDescription>
+   <szDescription>When you enter a ward, all medical personnel tries to look overly &#10;busy or hides around corners in a futile attempt to avoid you. &#10;The List of your possible afflictions just keeps getting bigger and bigger!</szDescription>
    <medical>3</medical>
    <resistance_poison>10</resistance_poison>
    <resistance_fear>-10</resistance_fear>
@@ -637,7 +641,7 @@
    <uiIndex>58</uiIndex>
    <szName>Redneck</szName>
    <szShortName>Redneck</szShortName>
-   <szDescription>Overalls, straw sticking out of boots and inseparable blade of grass in the mouth. Not exactly a proud image, but hey, life on the farm isn't easy.</szDescription>
+   <szDescription>Overalls, straw sticking out of boots and inseparable blade of grass &#10;in the mouth. Not exactly a proud image, but hey, life on the farm isn't easy.</szDescription>
    <mechanical>3</mechanical>
    <medical>3</medical>
    <wisdom>-7</wisdom>
@@ -651,18 +655,17 @@
    <uiIndex>59</uiIndex>
    <szName>Momma's Boy</szName>
    <szShortName>Momma's Boy</szShortName>
-   <szDescription>Your childhood left you with significant personal issues that have yet to be solved.</szDescription>
+   <szDescription>Your childhood left you with significant personal issues that have &#10;yet to be solved.</szDescription>
    <leadership>-10</leadership>
    <approach_recruit>-20</approach_recruit>
    <resistance_fear>-20</resistance_fear>
    <resistance_suppression>-20</resistance_suppression>
   </BACKGROUND>
-  <!-- , ,  Walter  -->
   <BACKGROUND>
    <uiIndex>60</uiIndex>
    <szName>Academic</szName>
    <szShortName>Academic</szShortName>
-   <szDescription>Most of your knowledge comes from the books and secondhand reports - and it didn't prepare you for a grim reality of a war zone as well as you thought.</szDescription>
+   <szDescription>Most of your knowledge comes from the books and secondhand reports - &#10;and it didn't prepare you for a grim reality of a war zone as well as you thought.</szDescription>
    <wisdom>5</wisdom>
    <resistance_fear>-5</resistance_fear>
    <resistance_suppression>-15</resistance_suppression>
@@ -672,7 +675,7 @@
    <uiIndex>61</uiIndex>
    <szName>Mental Patient</szName>
    <szShortName>Mental Patient</szShortName>
-   <szDescription>There are different accounts of how you've managed to leave the confinement, but everyone agrees - you should go back.</szDescription>
+   <szDescription>There are different accounts of how you've managed to leave the &#10;confinement, but everyone agrees - you should go back.</szDescription>
    <wisdom>-5</wisdom>
    <leadership>-5</leadership>
    <resistance_suppression>20</resistance_suppression>
@@ -684,7 +687,7 @@
    <uiIndex>62</uiIndex>
    <szName>Wrestler</szName>
    <szShortName>Wrestler</szShortName>
-   <szDescription>It might be more of a spectacle than actual fight, but getting thrown around a ring without breaking a neck still takes a lot of skill.</szDescription>
+   <szDescription>It might be more of a spectacle than actual fight, but getting thrown &#10;around a ring without breaking a neck still takes a lot of skill.</szDescription>
    <resistance_physical>10</resistance_physical>
    <carrystrength>25</carrystrength> 
    <speed_run>5</speed_run>
@@ -693,7 +696,7 @@
    <uiIndex>63</uiIndex>
    <szName>General Practitioner</szName>
    <szShortName>GP</szShortName>
-   <szDescription>Versatile and educated doctor can save a human life no matter what his patient caught - a virus or a bullet.</szDescription>
+   <szDescription>Versatile and educated doctor can save a human life no matter what his &#10;patient caught - a virus or a bullet.</szDescription>
    <medical>10</medical>
    <speed_bandaging>8</speed_bandaging>
   </BACKGROUND>
@@ -701,7 +704,7 @@
    <uiIndex>64</uiIndex>
    <szName>Veteran Physician</szName>
    <szShortName>Veteran Physician</szShortName>
-   <szDescription>Several years of evaluating human lives ironically left your own health in disrepair - cheap cigarrettes flushed down with strong coffee took their toll. The object-like way you started to treat your patients also doesn't make you very popular.</szDescription>
+   <szDescription>Several years of evaluating human lives ironically left your own &#10;health in disrepair - cheap cigarrettes flushed down with strong coffee took their toll. &#10;The object-like way you started to treat your patients also doesn't make you very popular.</szDescription>
    <agility>-7</agility>
    <medical>10</medical>
    <speed_bandaging>10</speed_bandaging>
@@ -716,7 +719,7 @@
    <uiIndex>65</uiIndex>
    <szName>Surgeon</szName>
    <szShortName>Surgeon</szShortName>
-   <szDescription>Everyone can cut human flesh - but sewing it back is a quest for the best!</szDescription>
+   <szDescription>Everyone can cut human flesh - but sewing it back is a quest for &#10;the best!</szDescription>
    <medical>10</medical>
    <dexterity>5</dexterity>
    <cth_blades>5</cth_blades> 
@@ -726,7 +729,7 @@
    <uiIndex>66</uiIndex>
    <szName>Mercenary</szName>
    <szShortName>Merc</szShortName>
-   <szDescription>While others may keep to their pasts and its labels, you've chosen the life of a gun for hire - and embraced it. This is who you really are.</szDescription>
+   <szDescription>While others may keep to their pasts and its labels, you've chosen &#10;the life of a gun for hire - and embraced it. This is who you really are.</szDescription>
    <resistance_fear>5</resistance_fear>
    <resistance_suppression>5</resistance_suppression>
    <approach_threaten>10</approach_threaten>
@@ -735,11 +738,12 @@
    <uiIndex>67</uiIndex>
    <szName>Veteran Mercenary</szName>
    <szShortName>Veteran</szShortName>
-   <szDescription>You were already famous in this business before those youngsters were even born. After years of battles, there's hardly anything that can shake you up.</szDescription>
+   <szDescription>You were already famous in this business before those youngsters were &#10;even born. After years of battles, there's hardly anything that can shake you up.</szDescription>
    <leadership>5</leadership>
    <resistance_fear>10</resistance_fear>
    <resistance_suppression>10</resistance_suppression>
-   <speed_run>-5</speed_run> 
+   <speed_run>-5</speed_run>
+   <insurance>-20</insurance>
   </BACKGROUND>
   <BACKGROUND>
    <uiIndex>68</uiIndex>
@@ -759,7 +763,7 @@
    <uiIndex>69</uiIndex>
    <szName>Prisoner</szName>
    <szShortName>Prisoner</szShortName>
-   <szDescription>Being held and tortured in a regime prison left you scarred for the rest of your life. You're not afraid of death anymore - but there are other things to be afraid of.</szDescription>
+   <szDescription>Being held and tortured in a regime prison left you scarred for the &#10;rest of your life. You're not afraid of death anymore - but there are other things to be afraid of.</szDescription>
    <resistance_fear>-20</resistance_fear>
    <resistance_suppression>10</resistance_suppression>
    <resistance_physical>10</resistance_physical>
@@ -775,7 +779,7 @@
    <uiIndex>70</uiIndex>
    <szName>Butt Monkey</szName>
    <szShortName>Butt Monkey</szShortName>
-   <szDescription>One would expect a constant abuse and ridicule you withstand to finally lead you to reconsidering your life choices. Nope.</szDescription>
+   <szDescription>One would expect a constant abuse and ridicule you withstand to finally &#10;lead you to reconsidering your life choices. Nope.</szDescription>
    <resistance_physical>20</resistance_physical>
    <resistance_fear>10</resistance_fear>
    <leadership>-10</leadership>
@@ -788,7 +792,7 @@
    <uiIndex>71</uiIndex>
    <szName>Big Game Hunter</szName>
    <szShortName>Big Game Hunter</szShortName>
-   <szDescription>Travel to pristine nature, seek fascinating species, and KILL THEM ALL.</szDescription>
+   <szDescription>Travel to pristine nature, seek fascinating species, and &#10;KILL THEM ALL.</szDescription>
    <ap_desert>1</ap_desert>
    <ap_swamp>2</ap_swamp>
    <ap_urban>-3</ap_urban>
diff --git a/gamedir/Data/TableData/Backgrounds.xml b/gamedir/Data/TableData/Backgrounds.xml
index e10f23713..417a52614 100644
--- a/gamedir/Data/TableData/Backgrounds.xml
+++ b/gamedir/Data/TableData/Backgrounds.xml
@@ -78,6 +78,7 @@
     
     <breachingcharge>0</breachingcharge>              <!-- +- success chance with door braching charges, -100 to 100 -->
     <cth_vs_creatures>0</cth_vs_creatures>            <!-- +- cth with firearms when aiming at creatures, -20 to 20 -->
+    <insurance>0</insurance>                          <!-- +- % insurance cost, -50 to 200 -->
     
     <!-- on/off properties: 1 for on, 0 for off -->      
     <druguse>0</druguse>                              <!-- might use drugs from inventory (the 'Larry'-behaviour) -->
@@ -93,14 +94,14 @@
     <uiIndex>1</uiIndex>
     <szName>Arms Dealer</szName>
     <szShortName>Arms Dealer</szShortName>
-    <szDescription>Experience earned in years of arms trade leads to better deals when buying and selling guns.</szDescription>
+    <szDescription>Experience earned in years of arms trade leads to better&#10; deals when buying and selling guns.</szDescription>
     <betterprices_guns>10</betterprices_guns>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>2</uiIndex>
     <szName>Law Enforcement</szName>
     <szShortName>Law Enforcement</szShortName>
-    <szDescription>Former law enforcement personnel often seek work in the mercenary world, and are the logical choice for handling captives.</szDescription>
+    <szDescription>Former law enforcement personnel often seek work in the &#10;mercenary world, and are the logical choice for handling captives.</szDescription>
     <interrogation>150</interrogation>
     <prisonguard>50</prisonguard>
   </BACKGROUND>
@@ -108,14 +109,14 @@
     <uiIndex>3</uiIndex>
     <szName>Prison Guard</szName>
     <szShortName>Prison Guard</szShortName>
-    <szDescription>In longer and larger conflicts, former prison guards are natural choices for running prison camps.</szDescription>
+    <szDescription>In longer and larger conflicts, former prison guards are natural&#10; choices for running prison camps.</szDescription>
     <prisonguard>300</prisonguard>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>4</uiIndex>
     <szName>Gang Member</szName>
     <szShortName>Gang Member</szShortName>
-    <szDescription>Becoming a mercenary is a natural step for many gang members - job's the same, tools and pay much better.</szDescription>
+    <szDescription>Becoming a mercenary is a natural step for many gang members&#10; - job's the same, tools and pay much better.</szDescription>
     <approach_threaten>10</approach_threaten>
     <meleedamage>3</meleedamage>
     <cth_blades>2</cth_blades>
@@ -124,7 +125,7 @@
     <uiIndex>5</uiIndex>
     <szName>Convict</szName>
     <szShortName>Convict</szShortName>
-    <szDescription>Anyone surviving in a merciless prison is bound to be more dangerous on release - if he survives that long.</szDescription>
+    <szDescription>Anyone surviving in a merciless prison is bound to be more&#10; dangerous on release - if he survives that long.</szDescription>
     <resistance_poison>5</resistance_poison>
     <resistance_physical>2</resistance_physical>
     <meleedamage>2</meleedamage>
@@ -133,15 +134,16 @@
     <uiIndex>6</uiIndex>
     <szName>Drug Addict</szName>
     <szShortName>Drug Addict</szShortName>
-    <szDescription>Given the nature of today's drugs, addicts can make fearsome, yet unreliable, opponents.</szDescription>
+    <szDescription>Given the nature of today's drugs, addicts can make fearsome,&#10; yet unreliable, opponents.</szDescription>
     <druguse>1</druguse>
     <scrounging>1</scrounging>
+    <insurance>30</insurance>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>7</uiIndex>
     <szName>Nobility</szName>
     <szShortName>Nobility</szShortName>
-    <szDescription>Some people join this business not out of necessity. While easy to label them as sissy aristocrats, some are actually quite capable, as they have received the best training money can buy.</szDescription>
+    <szDescription>Some people join this business not out of necessity. While&#10; easy to label them as sissy aristocrats, some are actually quite capable, as they have received the best training money can buy.</szDescription>
     <xenophobic>1</xenophobic>
     <marksmanship>1</marksmanship>
   </BACKGROUND>
@@ -149,14 +151,14 @@
     <uiIndex>8</uiIndex>
     <szName>Lawyer</szName>
     <szShortName>Lawyer</szShortName>
-    <szDescription>A somewhat unorthodox background for a mercenary, former lawyers might be useful when there's a deal to be made on a knife's edge.</szDescription>
+    <szDescription>A somewhat unorthodox background for a mercenary, former &#10;lawyers might be useful when there's a deal to be made on a knife's edge.</szDescription>
     <capitulation>20</capitulation>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>9</uiIndex>
     <szName>Pilot</szName>
     <szShortName>Pilot</szShortName>
-    <szDescription>Used to physical stress over long periods, some pilots find the transition to ground combat surprisingly easy.</szDescription>
+    <szDescription>Used to physical stress over long periods, some pilots find&#10; the transition to ground combat surprisingly easy.</szDescription>
     <mechanical>3</mechanical>
     <travel_air>10</travel_air>
   </BACKGROUND>
@@ -164,14 +166,14 @@
     <uiIndex>10</uiIndex>
     <szName>Priest</szName>
     <szShortName>Priest</szShortName>
-    <szDescription>Many devout followers of any religion or cult area surprisingly violent and zealous if pushed in the right (or wrong) direction.</szDescription>
+    <szDescription>Many devout followers of any religion or cult area surprisingly&#10; violent and zealous if pushed in the right (or wrong) direction.</szDescription>
     <approach_recruit>10</approach_recruit>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>11</uiIndex>
     <szName>Nurse</szName>
     <szShortName>Nurse</szShortName>
-    <szDescription>While not full-blown doctors, nurses are still in high demand in warzones, due to the grim business.</szDescription>
+    <szDescription>While not full-blown doctors, nurses are still in high demand&#10; in warzones, due to the grim business.</szDescription>
     <speed_bandaging>20</speed_bandaging>
     <medical>7</medical>
   </BACKGROUND>
@@ -179,7 +181,7 @@
     <uiIndex>12</uiIndex>
     <szName>ANC Veteran</szName>
     <szShortName>ANC Veteran</szShortName>
-    <szDescription>Militant veterans of the ANC's struggle were not only versed in jungle warfare, but also in political theory.</szDescription>
+    <szDescription>Militant veterans of the ANC's struggle were not only versed&#10; in jungle warfare, but also in political theory.</szDescription>
     <ap_swamp>3</ap_swamp>
     <leadership>6</leadership>
     <approach_recruit>5</approach_recruit>
@@ -188,7 +190,7 @@
     <uiIndex>13</uiIndex>
     <szName>Construction Work</szName>
     <szShortName>Construction</szShortName>
-    <szDescription>Construction workers are used to hard labour, and can construct fortifications better than deskjob heroes.</szDescription>
+    <szDescription>Construction workers are used to hard labour, and can construct&#10; fortifications better than deskjob heroes.</szDescription>
     <strength>6</strength>
     <ap_fortify>-10</ap_fortify>
     <carrystrength>8</carrystrength>
@@ -197,14 +199,15 @@
     <uiIndex>14</uiIndex>
     <szName>Skydiver</szName>
     <szShortName>Skydiver</szShortName>
-    <szDescription>If you want to put your life to risk, might as well earn cash by it...</szDescription>
+    <szDescription>If you want to put your life to risk, might as well earn cash&#10; by it...</szDescription>
     <ap_airdrop>25</ap_airdrop>
+    <insurance>40</insurance>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>15</uiIndex>
     <szName>Drill Sergeant</szName>
     <szShortName>Drill Sergeant</szShortName>
-    <szDescription>A drill sergeant's job is to create armies and traumatise young men and women.</szDescription>
+    <szDescription>A drill sergeant's job is to create armies and traumatise &#10;young men and women.</szDescription>
     <leadership>6</leadership>
     <marksmanship>4</marksmanship>
     <approach_threaten>10</approach_threaten>
@@ -214,7 +217,7 @@
     <uiIndex>16</uiIndex>
     <szName>Bouncer</szName>
     <szShortName>Bouncer</szShortName>
-    <szDescription>Doormen make good soldiers in close combat, though the killing part is a change (hopefully).</szDescription>
+    <szDescription>Doormen make good soldiers in close combat, though the &#10;killing part is a change (hopefully).</szDescription>
     <meleedamage>4</meleedamage>
     <dexterity>2</dexterity>
   </BACKGROUND>
@@ -222,25 +225,27 @@
     <uiIndex>17</uiIndex>
     <szName>Hitman</szName>
     <szShortName>Hitman</szShortName>
-    <szDescription>Professional assassins are obviously used to killing, though might come in conflict with more idealistic team members.</szDescription>
+    <szDescription>Professional assassins are obviously used to killing, &#10;though might come in conflict with more idealistic team members.</szDescription>
     <stealth>4</stealth>
     <marksmanship>2</marksmanship>
     <approach_friendly>-10</approach_friendly>
+    <insurance>10</insurance>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>18</uiIndex>
     <szName>Bomber</szName>
     <szShortName>Bomber</szShortName>
-    <szDescription>Wether you call them terrorists or freedom fighters often depends on your relation to those killed.</szDescription>
+    <szDescription>Wether you call them terrorists or freedom fighters often &#10;depends on your relation to those killed.</szDescription>
     <explosives>6</explosives>
     <breachingcharge>30</breachingcharge>
     <traplevel>1</traplevel>
+    <insurance>40</insurance>
   </BACKGROUND>
   <BACKGROUND>
     <uiIndex>19</uiIndex>
     <szName>Bodyguard</szName>
     <szShortName>Bodyguard</szShortName>
-    <szDescription>Superbly trained, utterly loyal, and willing to pay the ultimate price. What more could a potential employer want?.</szDescription>
+    <szDescription>Superbly trained, utterly loyal, and willing to pay the &#10;ultimate price. What more could a potential employer want?.</szDescription>
     <ap_inventory>-10</ap_inventory>
     <strength>1</strength>
     <resistance_physical>3</resistance_physical>
@@ -250,7 +255,7 @@
     <uiIndex>20</uiIndex>
     <szName>SWAT Member</szName>
     <szShortName>SWAT</szShortName>
-    <szDescription>Blurring the line between police and military, SWAT teams are used in urban operations too dangerous for normal law enforcement.</szDescription>
+    <szDescription>Blurring the line between police and military, SWAT teams are &#10;used in urban operations too dangerous for normal law enforcement.</szDescription>
     <ap_urban>2</ap_urban>
     <ap_assault>2</ap_assault>
     <interrogation>75</interrogation>
@@ -270,7 +275,7 @@
     <uiIndex>22</uiIndex>
     <szName>Miner</szName>
     <szShortName>Miner</szShortName>
-    <szDescription>Working in a mine is hard, punishing work. No wonder some start to look for easier cash.</szDescription>
+    <szDescription>Working in a mine is hard, punishing work. No wonder some start &#10;to look for easier cash.</szDescription>
     <ap_fortify>-20</ap_fortify>
     <strength>5</strength>
     <level_underground>1</level_underground>
@@ -290,7 +295,7 @@
     <uiIndex>24</uiIndex>
     <szName>UN Peacekeeper</szName>
     <szShortName>UN</szShortName>
-    <szDescription>Nations of the entire world provide these troops to solve all conflicts without any violence. Sadly, this statment is false.</szDescription>
+    <szDescription>Nations of the entire world provide these troops to solve all &#10;conflicts without any violence. Sadly, this statment is false.</szDescription>
     <capitulation>14</capitulation>
     <speed_bandaging>10</speed_bandaging>
     <approach_friendly>4</approach_friendly>
@@ -299,7 +304,7 @@
     <uiIndex>25</uiIndex>
     <szName>SAS</szName>
     <szShortName>SAS</szShortName>
-    <szDescription>The british Special Air Service is one of the world's most famous special forces units, and is exceptionally well versed in airborne missions.</szDescription>
+    <szDescription>The british Special Air Service is one of the world's most &#10;famous special forces units, and is exceptionally well versed in airborne missions.</szDescription>
     <ap_airdrop>20</ap_airdrop>
     <resistance_fear>3</resistance_fear>
     <speed_run>10</speed_run>
@@ -310,7 +315,7 @@
     <uiIndex>26</uiIndex>
     <szName>Rebel</szName>
     <szShortName>Rebel</szShortName>
-    <szDescription>Outgunned and outnumbered, Miguel's rebels faced extinction before help came from the outside.</szDescription>
+    <szDescription>Outgunned and outnumbered, Miguel's rebels faced extinction &#10;before help came from the outside.</szDescription>
     <ap_urban>2</ap_urban>
     <leadership>4</leadership>
     <travel_foot>5</travel_foot>
@@ -324,7 +329,7 @@
     <uiIndex>27</uiIndex>
     <szName>Metaviran Native</szName>
     <szShortName>Metavira</szShortName>
-    <szDescription>The indigenous people of Metavira have adjusted to the hostile jungle there. After the liberation, some joined the foreigners, and sought their luck elsewhere.</szDescription>
+    <szDescription>The indigenous people of Metavira have adjusted to the hostile &#10;jungle there. After the liberation, some joined the foreigners, and sought their luck elsewhere.</szDescription>
     <ap_swamp>3</ap_swamp>
     <ap_tropical>3</ap_tropical>
     <ap_swimming>-10</ap_swimming>
@@ -337,7 +342,7 @@
     <uiIndex>28</uiIndex>
     <szName>Metaviran Shaman</szName>
     <szShortName>Shaman</szShortName>
-    <szDescription>Leaders of their communities since ages long forgotten, shamans posess medical knowledge unknown to western eyes.</szDescription>
+    <szDescription>Leaders of their communities since ages long forgotten, shamans &#10;posess medical knowledge unknown to western eyes.</szDescription>
     <ap_swamp>3</ap_swamp>
     <ap_tropical>3</ap_tropical>
     <medical>10</medical>
@@ -347,7 +352,7 @@
     <uiIndex>29</uiIndex>
     <szName>SOG Member</szName>
     <szShortName>SOG</szShortName>
-    <szDescription>The Studies and Observations Group was a classified special forces unit conductong unconventional warfare in Vietnam.</szDescription>
+    <szDescription>The Studies and Observations Group was a classified special forces &#10;unit conductong unconventional warfare in Vietnam.</szDescription>
     <ap_swamp>2</ap_swamp>
     <ap_tropical>4</ap_tropical>
     <cth_blades>3</cth_blades>   
@@ -358,7 +363,7 @@
     <uiIndex>30</uiIndex>
     <szName>Military Advisor</szName>
     <szShortName>Military Advisor</szShortName>
-    <szDescription>Pointing the gun in the right direction is a start, but someone needs to teach these people how to teach other people where to point.</szDescription>
+    <szDescription>Pointing the gun in the right direction is a start, but someone needs &#10;to teach these people how to teach other people where to point.</szDescription>
     <leadership>5</leadership>
     <approach_direct>10</approach_direct>
   </BACKGROUND>
@@ -366,7 +371,7 @@
     <uiIndex>31</uiIndex>
     <szName>Paramilitary Instructor</szName>
     <szShortName>Instructor</szShortName>
-    <szDescription>Just like boyscouts. But with with violence. So not like boyscouts at all.</szDescription>
+    <szDescription>Just like boyscouts. But with with violence. So not like boyscouts &#10;at all.</szDescription>
     <leadership>8</leadership>
     <approach_recruit>10</approach_recruit>
     <xenophobic>1</xenophobic> 
@@ -375,7 +380,7 @@
     <uiIndex>32</uiIndex>
     <szName>Red Army</szName>
     <szShortName>Red Army</szShortName>
-    <szDescription>With russian stoicism, the red army prevailed against Hitler, father frost, and chronic shortages.</szDescription>
+    <szDescription>With russian stoicism, the red army prevailed against Hitler, &#10;father frost, and chronic shortages.</szDescription>
     <ap_polar>8</ap_polar>
     <mechanical>4</mechanical>
     <resistance_fear>10</resistance_fear>
@@ -405,7 +410,7 @@
     <uiIndex>35</uiIndex>
     <szName>Tuareg</szName>
     <szShortName>Tuareg</szShortName>
-    <szDescription>The tuareg are a berber people that lead a nomadic life in the Sahara.</szDescription>
+    <szDescription>The tuareg are a berber people that lead a nomadic life in &#10;the Sahara.</szDescription>
     <ap_desert>8</ap_desert>
     <ap_swimming>+20</ap_swimming>
     <travel_foot>5</travel_foot>
@@ -416,7 +421,7 @@
     <uiIndex>36</uiIndex>
     <szName>Firefighter</szName>
     <szShortName>Firefighter</szShortName>
-    <szDescription>Just because it involves no shooting, it doesn't have to be less dangerous.</szDescription>
+    <szDescription>Just because it involves no shooting, it doesn't have to be &#10;less dangerous.</szDescription>
     <ap_height>2</ap_height>
     <mechanical>3</mechanical>
     <explosives>2</explosives>
@@ -427,7 +432,7 @@
     <uiIndex>37</uiIndex>
     <szName>Competitive Shooter</szName>
     <szShortName>Competitive Shooter</szShortName>
-    <szDescription>Some people display a knack for shooting, and a disturbing aggression against innocent paper bull's eyes.</szDescription>
+    <szDescription>Some people display a knack for shooting, and a disturbing &#10;aggression against innocent paper bull's eyes.</szDescription>
     <marksmanship>3</marksmanship>
     <increased_maxcth>1</increased_maxcth>
   </BACKGROUND>
@@ -463,7 +468,7 @@
     <uiIndex>41</uiIndex>
     <szName>Smith</szName>
     <szShortName>Smith</szShortName>
-    <szDescription>In a warzone without the usual comforts, it is very useful to have people who can maintain your gear.</szDescription>
+    <szDescription>In a warzone without the usual comforts, it is very useful to &#10;have people who can maintain your gear.</szDescription>
     <mechanical>8</mechanical>
     <betterprices>2</betterprices>
   </BACKGROUND>
@@ -471,7 +476,7 @@
     <uiIndex>42</uiIndex>
     <szName>GSG9</szName>
     <szShortName>GSG9</szShortName>
-    <szDescription>Formed after the disastrous Munich massacre in 1972, GSG9 is a german counter-terrorism unit.</szDescription>
+    <szDescription>Formed after the disastrous Munich massacre in 1972, GSG9 is a &#10;german counter-terrorism unit.</szDescription>
     <ap_urban>2</ap_urban>
     <interrogation>50</interrogation>
     <prisonguard>37</prisonguard>
@@ -482,13 +487,14 @@
    <uiIndex>43</uiIndex>
    <szName>Office Worker</szName>
    <szShortName>Office Worker</szShortName>
-   <szDescription>Air conditioning, watered down coffee and some papers to push - what else can you expect from life?</szDescription>
+   <szDescription>Air conditioning, watered down coffee and some papers to push - &#10;what else can you expect from life?</szDescription>
    <approach_direct>5</approach_direct>
    <resistance_suppression>-10</resistance_suppression>
    <ap_urban>2</ap_urban>
    <ap_desert>-5</ap_desert>
    <ap_swamp>-5</ap_swamp>
    <ap_tropical>-5</ap_tropical>
+   <insurance>-20</insurance>
  </BACKGROUND>
  <BACKGROUND>
    <uiIndex>44</uiIndex>
@@ -528,7 +534,7 @@
    <uiIndex>47</uiIndex>
    <szName>Backstage Crew</szName>
    <szShortName>Backstage Crew</szShortName>
-   <szDescription>Blasting sounds, fireworks, screaming people - isn't it odd how similar stage is to the battlefield?</szDescription>
+   <szDescription>Blasting sounds, fireworks, screaming people - isn't it odd how &#10;similar stage is to the battlefield?</szDescription>
    <mechanical>3</mechanical>
    <resistance_suppression>10</resistance_suppression>
    <hearing_night>-3</hearing_night>
@@ -538,7 +544,7 @@
    <uiIndex>48</uiIndex>
    <szName>Technical Wizard</szName>
    <szShortName>Tech Whiz</szShortName>
-   <szDescription>No matter if it's a thirty years old junk or latest electronic gadget, tech whiz can rewire, reassemble and reconfigure it with eyes closed.</szDescription>
+   <szDescription>No matter if it's a thirty years old junk or latest electronic &#10;gadget, tech whiz can rewire, reassemble and reconfigure it with eyes closed.</szDescription>
    <mechanical>5</mechanical>
    <ap_inventory>-10</ap_inventory> 
   </BACKGROUND>
@@ -546,7 +552,7 @@
    <uiIndex>49</uiIndex>
    <szName>Graduate</szName>
    <szShortName>Graduate</szShortName>
-   <szDescription>Fresh outta school, with diploma still warm in a hand, it's time to finally make yourself a living.</szDescription>
+   <szDescription>Fresh outta school, with diploma still warm in a hand, it's time &#10;to finally make yourself a living.</szDescription>
    <wisdom>3</wisdom>
    <resistance_suppression>-10</resistance_suppression>
   </BACKGROUND>
@@ -554,7 +560,7 @@
    <uiIndex>50</uiIndex>
    <szName>Law Enforcement</szName>
    <szShortName>Law Enforcement</szShortName>
-   <szDescription>Hey detective, did you manage to solve the case of the disappearing donuts yet?</szDescription>
+   <szDescription>Hey detective, did you manage to solve the case of the disappearing &#10;donuts yet?</szDescription>
    <interrogation>150</interrogation>
    <prisonguard>50</prisonguard>
    <food>50</food>
@@ -578,7 +584,7 @@
    <uiIndex>52</uiIndex>
    <szName>Mascot</szName>
    <szShortName>Mascot</szShortName>
-   <szDescription>Nobody takes you seriously, because you used to walk around in a silly costume? Well, a children's smile is enough compensation!</szDescription>
+   <szDescription>Nobody takes you seriously, because you used to walk around in a silly &#10;costume? Well, a children's smile is enough compensation!</szDescription>
    <approach_friendly>15</approach_friendly>
    <approach_threaten>-10</approach_threaten>
    <interrogation>-20</interrogation>
@@ -599,7 +605,7 @@
    <uiIndex>54</uiIndex>
    <szName>B-Movie Star</szName>
    <szShortName>B-Movie Star</szShortName>
-   <szDescription>Target of thrown popcorn in cinemas around the world, scoffed by critics yet adored by loyal fans.</szDescription>
+   <szDescription>Target of thrown popcorn in cinemas around the world, scoffed by critics &#10;yet adored by loyal fans.</szDescription>
    <approach_friendly>20</approach_friendly>
    <camo>10</camo>
    <capitulation>5</capitulation>
@@ -609,7 +615,7 @@
    <uiIndex>55</uiIndex>
    <szName>Pyrotechnician</szName>
    <szShortName>Pyrotechnician</szShortName>
-   <szDescription>When you want to break enemy morale by blowing up his privy, it's time to get yourself a qualified pyrotechnician.</szDescription>
+   <szDescription>When you want to break enemy morale by blowing up his privy, it's time &#10;to get yourself a qualified pyrotechnician.</szDescription>
    <explosives>5</explosives>
    <breachingcharge>50</breachingcharge>
   </BACKGROUND>
@@ -617,18 +623,16 @@
    <uiIndex>56</uiIndex>
    <szName>Sapper</szName>
    <szShortName>Sapper</szShortName>
-   <szDescription>Sapper can make only two mistakes in his life. The first one is a career choice.</szDescription>
+   <szDescription>Sapper can make only two mistakes in his life. The first one is a &#10;career choice.</szDescription>
    <explosives>8</explosives>
    <breachingcharge>20</breachingcharge>
-   <!-- bonus to spotting explosives? -->
-   <!-- bonus to disarming explosives? -->
-   <!-- increased insurance cost? -->
+   <insurance>30</insurance>
   </BACKGROUND>
   <BACKGROUND>
    <uiIndex>57</uiIndex>
    <szName>Hypochondriac</szName>
    <szShortName>Hypochondriac</szShortName>
-   <szDescription>When you enter a ward, all medical personnel tries to look overly busy or hides around corners in a futile attempt to avoid you. List of your possible afflictions just keeps getting bigger and bigger!</szDescription>
+   <szDescription>When you enter a ward, all medical personnel tries to look overly &#10;busy or hides around corners in a futile attempt to avoid you. &#10;The List of your possible afflictions just keeps getting bigger and bigger!</szDescription>
    <medical>3</medical>
    <resistance_poison>10</resistance_poison>
    <resistance_fear>-10</resistance_fear>
@@ -637,7 +641,7 @@
    <uiIndex>58</uiIndex>
    <szName>Redneck</szName>
    <szShortName>Redneck</szShortName>
-   <szDescription>Overalls, straw sticking out of boots and inseparable blade of grass in the mouth. Not exactly a proud image, but hey, life on the farm isn't easy.</szDescription>
+   <szDescription>Overalls, straw sticking out of boots and inseparable blade of grass &#10;in the mouth. Not exactly a proud image, but hey, life on the farm isn't easy.</szDescription>
    <mechanical>3</mechanical>
    <medical>3</medical>
    <wisdom>-7</wisdom>
@@ -651,18 +655,17 @@
    <uiIndex>59</uiIndex>
    <szName>Momma's Boy</szName>
    <szShortName>Momma's Boy</szShortName>
-   <szDescription>Your childhood left you with significant personal issues that have yet to be solved.</szDescription>
+   <szDescription>Your childhood left you with significant personal issues that have &#10;yet to be solved.</szDescription>
    <leadership>-10</leadership>
    <approach_recruit>-20</approach_recruit>
    <resistance_fear>-20</resistance_fear>
    <resistance_suppression>-20</resistance_suppression>
   </BACKGROUND>
-  <!-- , ,  Walter  -->
   <BACKGROUND>
    <uiIndex>60</uiIndex>
    <szName>Academic</szName>
    <szShortName>Academic</szShortName>
-   <szDescription>Most of your knowledge comes from the books and secondhand reports - and it didn't prepare you for a grim reality of a war zone as well as you thought.</szDescription>
+   <szDescription>Most of your knowledge comes from the books and secondhand reports - &#10;and it didn't prepare you for a grim reality of a war zone as well as you thought.</szDescription>
    <wisdom>5</wisdom>
    <resistance_fear>-5</resistance_fear>
    <resistance_suppression>-15</resistance_suppression>
@@ -672,7 +675,7 @@
    <uiIndex>61</uiIndex>
    <szName>Mental Patient</szName>
    <szShortName>Mental Patient</szShortName>
-   <szDescription>There are different accounts of how you've managed to leave the confinement, but everyone agrees - you should go back.</szDescription>
+   <szDescription>There are different accounts of how you've managed to leave the &#10;confinement, but everyone agrees - you should go back.</szDescription>
    <wisdom>-5</wisdom>
    <leadership>-5</leadership>
    <resistance_suppression>20</resistance_suppression>
@@ -684,7 +687,7 @@
    <uiIndex>62</uiIndex>
    <szName>Wrestler</szName>
    <szShortName>Wrestler</szShortName>
-   <szDescription>It might be more of a spectacle than actual fight, but getting thrown around a ring without breaking a neck still takes a lot of skill.</szDescription>
+   <szDescription>It might be more of a spectacle than actual fight, but getting thrown &#10;around a ring without breaking a neck still takes a lot of skill.</szDescription>
    <resistance_physical>10</resistance_physical>
    <carrystrength>25</carrystrength> 
    <speed_run>5</speed_run>
@@ -693,7 +696,7 @@
    <uiIndex>63</uiIndex>
    <szName>General Practitioner</szName>
    <szShortName>GP</szShortName>
-   <szDescription>Versatile and educated doctor can save a human life no matter what his patient caught - a virus or a bullet.</szDescription>
+   <szDescription>Versatile and educated doctor can save a human life no matter what his &#10;patient caught - a virus or a bullet.</szDescription>
    <medical>10</medical>
    <speed_bandaging>8</speed_bandaging>
   </BACKGROUND>
@@ -701,7 +704,7 @@
    <uiIndex>64</uiIndex>
    <szName>Veteran Physician</szName>
    <szShortName>Veteran Physician</szShortName>
-   <szDescription>Several years of evaluating human lives ironically left your own health in disrepair - cheap cigarrettes flushed down with strong coffee took their toll. The object-like way you started to treat your patients also doesn't make you very popular.</szDescription>
+   <szDescription>Several years of evaluating human lives ironically left your own &#10;health in disrepair - cheap cigarrettes flushed down with strong coffee took their toll. &#10;The object-like way you started to treat your patients also doesn't make you very popular.</szDescription>
    <agility>-7</agility>
    <medical>10</medical>
    <speed_bandaging>10</speed_bandaging>
@@ -716,7 +719,7 @@
    <uiIndex>65</uiIndex>
    <szName>Surgeon</szName>
    <szShortName>Surgeon</szShortName>
-   <szDescription>Everyone can cut human flesh - but sewing it back is a quest for the best!</szDescription>
+   <szDescription>Everyone can cut human flesh - but sewing it back is a quest for &#10;the best!</szDescription>
    <medical>10</medical>
    <dexterity>5</dexterity>
    <cth_blades>5</cth_blades> 
@@ -726,7 +729,7 @@
    <uiIndex>66</uiIndex>
    <szName>Mercenary</szName>
    <szShortName>Merc</szShortName>
-   <szDescription>While others may keep to their pasts and its labels, you've chosen the life of a gun for hire - and embraced it. This is who you really are.</szDescription>
+   <szDescription>While others may keep to their pasts and its labels, you've chosen &#10;the life of a gun for hire - and embraced it. This is who you really are.</szDescription>
    <resistance_fear>5</resistance_fear>
    <resistance_suppression>5</resistance_suppression>
    <approach_threaten>10</approach_threaten>
@@ -735,11 +738,12 @@
    <uiIndex>67</uiIndex>
    <szName>Veteran Mercenary</szName>
    <szShortName>Veteran</szShortName>
-   <szDescription>You were already famous in this business before those youngsters were even born. After years of battles, there's hardly anything that can shake you up.</szDescription>
+   <szDescription>You were already famous in this business before those youngsters were &#10;even born. After years of battles, there's hardly anything that can shake you up.</szDescription>
    <leadership>5</leadership>
    <resistance_fear>10</resistance_fear>
    <resistance_suppression>10</resistance_suppression>
-   <speed_run>-5</speed_run> 
+   <speed_run>-5</speed_run>
+   <insurance>-20</insurance>
   </BACKGROUND>
   <BACKGROUND>
    <uiIndex>68</uiIndex>
@@ -759,7 +763,7 @@
    <uiIndex>69</uiIndex>
    <szName>Prisoner</szName>
    <szShortName>Prisoner</szShortName>
-   <szDescription>Being held and tortured in a regime prison left you scarred for the rest of your life. You're not afraid of death anymore - but there are other things to be afraid of.</szDescription>
+   <szDescription>Being held and tortured in a regime prison left you scarred for the &#10;rest of your life. You're not afraid of death anymore - but there are other things to be afraid of.</szDescription>
    <resistance_fear>-20</resistance_fear>
    <resistance_suppression>10</resistance_suppression>
    <resistance_physical>10</resistance_physical>
@@ -775,7 +779,7 @@
    <uiIndex>70</uiIndex>
    <szName>Butt Monkey</szName>
    <szShortName>Butt Monkey</szShortName>
-   <szDescription>One would expect a constant abuse and ridicule you withstand to finally lead you to reconsidering your life choices. Nope.</szDescription>
+   <szDescription>One would expect a constant abuse and ridicule you withstand to finally &#10;lead you to reconsidering your life choices. Nope.</szDescription>
    <resistance_physical>20</resistance_physical>
    <resistance_fear>10</resistance_fear>
    <leadership>-10</leadership>
@@ -788,7 +792,7 @@
    <uiIndex>71</uiIndex>
    <szName>Big Game Hunter</szName>
    <szShortName>Big Game Hunter</szShortName>
-   <szDescription>Travel to pristine nature, seek fascinating species, and KILL THEM ALL.</szDescription>
+   <szDescription>Travel to pristine nature, seek fascinating species, and &#10;KILL THEM ALL.</szDescription>
    <ap_desert>1</ap_desert>
    <ap_swamp>2</ap_swamp>
    <ap_urban>-3</ap_urban>