That insurance coverage sounds awesome to me! I say GO for it! What will we do next year when they only have that $40 each that can be held out? I think that $40 is for tobacco,shoes, etc isn't it? Maybe they have enough in that one from their sale to last a year or two? Just curious! I'll be up sunday and visit them on Monday along with Jeanie. I'll report when I do. Jeanie was on her way their when I talked to her an hour or so ago. She'll post later. Love to all, Judy