My ancestors are all Scottish or Celtic going back as far as the point where people didn't move around much. I've heard red-beards often referred to politely a

My ancestors are all Scottish or Celtic going back as far as the point where people didn't move around much. I've heard red-beards often referred to politely as gingerchins. Which is oddly fun to say. Having worked for Scandinavian insurance companies, I can tell you that life insurance near to the arctic circle is much higher as people find it hard living without lots of light.