The 'White Man's Insurance Policy' is a general principal that posits the ability of a white man, after an exhaustive but failed search for love among white women, to gain the courtship of an Asian woman who is usually younger and better looking, with relative ease. The policy has brought joy to the lives of even the most hideous and rejected men among the white population and angst among male Asian populations.
Dude, I flew to Japan last month and exercised my white man's insurance policy; landed more women than I could count.
Cigarette: Northern slang for a cigarette, used oft by mashed up mancunian ravers becasue of the resemblance of a hot(electric)stove to the end of a lit cigarette. Originated circa 1991 in the early halcyon days of the rave culture; we speculate during a drug fuelled hallucination by said manc.
'fuck me noel, i am bolloxed, is that a ciggy in your mouth, or the stove from me 'nans kitchen'/
General use: 'Give us a stove you cunt'
A hardo is a person who tries extremely hard at everything. Most times a hardo will try very hard at things that do not require excessive effort. For example, sports practices, gym class, etc.
Wow did you see Jack at practice today? What a hardo!