This ^^^^ perfectly illustrates the problem that jguss's suggestion would eliminate.
If you get a birthyear Dunhill for every year you've been alive, all worries connected to the agonizing question "Am I covered?" simply disappear. Life will be infinitely more relaxing and stress free.
It is---obviously---the only logical response to the situation.
And don't forget that each of those pipes must be accompanied by at least a full pound of tobacco.
