Abel, when I said we were covered legally, I explicitly meant that we were covered without a written contract. I guess that is not the way you took it. If you are talking about the particular coverage, it was my understanding that the coverage was the same as the previous carrier's wording until the wording from Westchester was approved by both parties to the new policy. The changes the AMA wanted and requested are/were part of that process. I do not know if the final version has been agreed to. That is one, but, only one of the reason I have not read the policy completely.