According to genealogists, Kate is very distantly related to royalty as well as various U.S. Presidents (via the Mayflower passengers, I think.) So, in a sense she does have some 'royal DNA' after all. Not too surprising, I guess.
http://www.whodoyouthinkyouaremagazine.com/royalwedding
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Isn't hemophilia the one where blood cannot clot so someone can easily die from blood loss from a single cut?
Yes. Tsarevich Alexei (of the Russian royal family) had it, which led to a family dependence on Rasputin (the hypnosis he used calmed the boy and slowed his heart beat, saving his life more than once during a bleed.) Some said that controversial figure Rasputin caused distrust of the royals from the commoners, and helped lead to the revolution. Many other royals in the European families have been hemophiliacs, although today one would mostly need injections of clotting factor to be fine.
I knew the Windsors were German. The name "George" was chosen (by a past King) to sound more English, too. (What's more, Philip is Greek.) Diana and Kate are English, though, so they're seemingly breeding England back into their Saxe-Coburg (name changed to "Windsor") line.