Personally, if it's legal, we should continue to grow that fund until it is large enough to essentially self-insure if necessary. 6-10 mil? Dunno, and I'm sure folks with more business savvy than I may be able to change my thinking.

If we would have had another major accident this past summer, we would have apparently been looking at a premium over 1 mil for next year. We don't have that money in reserve and it would likely sink us. (unless Kenair came up with a million dollar donation).

Hopefully, the insurance situation will improve, but it wouldn't hurt to not be at the mercy of the industry if Murphey makes another appearance and things take a turn for the worse.

As for a decrease? Not likely unless there is an unforseen major shift in what MAAC's philosophy.............or a competitive association is born. After all, MAAC is a monopoly.