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      Here, 'utility' refers to the (hypothesized) preference relation for bathtub wall units individual consumers. This type of insurance has survived to the present day in some countries where modern money economy with its financial instruments is not widespread (for example countries in the territory of the former Soviet Union). Turning to insurance in the modern sense (i.e., insurance in a modern money economy, in which insurance is part of the financial sphere), early methods of transferring or distributing risk were practiced by Chinese and Babylonian traders as long ago as the 3rd and 2nd millennia BC, respectively. This is particularly effective in very cold, windy weather although it has the added liability of seriously limiting the field of vision. Height of Popularity The snorkel parka attained its popularity high point in the late 70's to mid 80's when its cheap and hard wearing properties made it the jacket of choice for school kids