Use of fag and faggot as the term for an effeminate man has become understood as an Americanism in British English, primarily due to entertainment media use in films and television series imported from the United States.longside its use to refer to gay men in particular, it may also be used as a pejorative term for a repellent male or a homosexual person of either gender. Its use has spread from the United States to varying extents elsewhere in the English-speaking world through mass culture, including film, music, and the Internet.
Gap insurance, more accurately called gap protection, covers the difference between what you owe on your car and how much the car is worth. Not everyone needs gap insurance (also called totaled insurance), however.
Much of the interest in gap insurance comes from businesses that aren't big enough to self-insure but want to provide coverage for 10 to 250 employees and dependents, said Michael Chapman, a broker with Group Benefits Advisors in Dallas.