Guys with expensive planes I'm sure have all heard "there are only two types of planes; those that have crashed and those that are about to crash". I must have made over 1000 model airplanes since 1939 and have 14 at home now. And all but two have crashed. If you can,t afford to loose it, don't fly it. If one of you $8000 jet guys comes out to our field to fly, you will be turned away. We sure don't want you getting dumb thumbs and crashing into our neighboring wheat or cornfield and setting it on fire. That would be the end of our lease and leave us no place to fly our $300 patched together 4* 40's. Only a couple time in the past 15 years has one of our members had occassion to pay for damage he's done because of his negligence (never due to a shoot down as I remember). Most expensive was to buy a guy a new kit due to a crash on the flight line. The other was to turn in insurance to buy a flier a new drivers window for his car (not a pretty sight). We've had a couple mid-airs and laugh them off without trying to fix blame. That's the way it goes. We all know that when 8 pounds of balsa hits something when its going 60 mph it's time to get out the Tower catalog and figure out next winters project. In the meantime, use common sense and hope for the best. Good luck: we'll all need it.