When I look past your overt hostility in that post
I dont see you answering the question of whether HQ should change the Charter Kit claims to match the insurance coverage.

As for drawing a parallel between lotsa folks selling AMA with doom & gloom,
and your post selling AMA with doom & gloom,
... well, yeah. I do see a parallel there.

This seems relevant to the guy wondering about chartering or not,
as others had brought up the Charter Kit text before I did, like post #10,
and there does seem to be some serious conflicting info.