[MUDDOG]

I misread your post in my reply ("dad" for "had").

I'm not aware that the penalty is capped at the cost of an insurance policy.

Not that you're wrong; I just thought the penalty was uncapped.

If you're right, then Rush has no worries.

[EVO X]

I misread your post in my reply ("dad" for "had").

My spell check works, but need to work on the grammar checker.