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woxofswa
Joined: 12 Aug 2008 Posts: 349 Location: AZ
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Posted: Tue Apr 07, 2015 1:19 pm Post subject: Insurance mystery |
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I don't get it. There is an insurance company that baffles my mind. They specialize in direct sales (which you would think would be efficient), and advertise heavily to the experimental community in direct mail, magazine ads, a huge presence at OSH, etc.
I get mailers all the time from this company and twice I have allowed them to offer me a quote, and both times that have been nearly twice as much as what I eventually ended up with.
This last time I asked the embarrassed rep of this company why their quotes are so out of line and the answer I received was that the company truly isn't interested in making competitive quotes to experimental aircraft. So why, I asked, do they spend so much in marketing to a market segment they don't want? "I don't know" was the answer. "We deal with this every day."
I told them they could reduce their mailing costs by removing me from their list and that they should probably reconsider their expensive ads claiming to love experimental business. Obviously they must underwrite enough paper to stay in business, but it sure seems like a strange way to operate to me.
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_________________ Myron Nelson
Mesa, AZ
Flew May 10 2014 |
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Tim Olson
Joined: 25 Jan 2007 Posts: 2872
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Posted: Tue Apr 07, 2015 2:07 pm Post subject: Insurance mystery |
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Sounds like Avemco to me. Worthless.
When I get their envelopes in the mail, I open them, stuff the contents in the prepaid return mailer and write on them with a marker saying "too expensive".
Then it at least costs them more to try to peddle their BS at twice the price.
Tim
Do not archive
Quote: | On Apr 7, 2015, at 4:19 PM, woxofswa <woxof(at)aol.com> wrote:
I don't get it. There is an insurance company that baffles my mind. They specialize in direct sales (which you would think would be efficient), and advertise heavily to the experimental community in direct mail, magazine ads, a huge presence at OSH, etc.
I get mailers all the time from this company and twice I have allowed them to offer me a quote, and both times that have been nearly twice as much as what I eventually ended up with.
This last time I asked the embarrassed rep of this company why their quotes are so out of line and the answer I received was that the company truly isn't interested in making competitive quotes to experimental aircraft. So why, I asked, do they spend so much in marketing to a market segment they don't want? "I don't know" was the answer. "We deal with this every day."
I told them they could reduce their mailing costs by removing me from their list and that they should probably reconsider their expensive ads claiming to love experimental business. Obviously they must underwrite enough paper to stay in business, but it sure seems like a strange way to operate to me.
--------
Myron Nelson
Mesa, AZ
Flew May 10 2014
Read this topic online here:
http://forums.matronics.com/viewtopic.php?p=440391#440391
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woxofswa
Joined: 12 Aug 2008 Posts: 349 Location: AZ
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carl.froehlich(at)verizon Guest
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Posted: Tue Apr 07, 2015 3:02 pm Post subject: Insurance mystery |
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I just renewed my policy with Nation Air and got a nice surprise - $700+
lower premium than last year with the same coverage.
Carl
--
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flysrv10(at)gmail.com Guest
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Posted: Tue Apr 07, 2015 3:16 pm Post subject: Insurance mystery |
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Just got mine renewed at $577 less than last year from Falcon. What a pleasent surprise! It is somewhat affordable now.
Do not archive.
Rob Kermanj
Sent from my iPad
Quote: | On Apr 7, 2015, at 6:01 PM, Tim Olson <Tim(at)MyRV10.com> wrote:
Sounds like Avemco to me. Worthless.
When I get their envelopes in the mail, I open them, stuff the contents in the prepaid return mailer and write on them with a marker saying "too expensive".
Then it at least costs them more to try to peddle their BS at twice the price.
Tim
Do not archive
> On Apr 7, 2015, at 4:19 PM, woxofswa <woxof(at)aol.com> wrote:
>
>
>
> I don't get it. There is an insurance company that baffles my mind. They specialize in direct sales (which you would think would be efficient), and advertise heavily to the experimental community in direct mail, magazine ads, a huge presence at OSH, etc.
> I get mailers all the time from this company and twice I have allowed them to offer me a quote, and both times that have been nearly twice as much as what I eventually ended up with.
> This last time I asked the embarrassed rep of this company why their quotes are so out of line and the answer I received was that the company truly isn't interested in making competitive quotes to experimental aircraft. So why, I asked, do they spend so much in marketing to a market segment they don't want? "I don't know" was the answer. "We deal with this every day."
> I told them they could reduce their mailing costs by removing me from their list and that they should probably reconsider their expensive ads claiming to love experimental business. Obviously they must underwrite enough paper to stay in business, but it sure seems like a strange way to operate to me.
>
> --------
> Myron Nelson
> Mesa, AZ
> Flew May 10 2014
>
>
>
>
> Read this topic online here:
>
> http://forums.matronics.com/viewtopic.php?p=440391#440391
|
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deej(at)deej.net Guest
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Posted: Tue Apr 07, 2015 3:21 pm Post subject: Insurance mystery |
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Myron, I had the exact same experience, two quotes over two years, both
more than twice the amount of the others, and finally telling them to
stop mailing me.
I have to admit I like Tim's "mail back" program better!
-Dj
--
Dj Merrill - N1JOV - EAA Chapter 87
Sportsman 2+2 Builder #7118 N421DJ - http://deej.net/sportsman/
Glastar Flyer N866RH - http://deej.net/glastar/
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rv10pro(at)gmail.com Guest
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Posted: Tue Apr 07, 2015 3:31 pm Post subject: Insurance mystery |
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Great recommendation! On Apr 7, 2015 3:09 PM, "Tim Olson" <Tim(at)myrv10.com (Tim(at)myrv10.com)> wrote:[quote]--> RV10-List message posted by: Tim Olson <Tim(at)myrv10.com (Tim(at)myrv10.com)>
Sounds like Avemco to me. Worthless.
When I get their envelopes in the mail, I open them, stuff the contents in the prepaid return mailer and write on them with a marker saying "too expensive".
Then it at least costs them more to try to peddle their BS at twice the price.
Tim
Do not archive
> On Apr 7, 2015, at 4:19 PM, woxofswa <woxof(at)aol.com (woxof(at)aol.com)> wrote:
>
> --> RV10-List message posted by: "woxofswa" <woxof(at)aol.com (woxof(at)aol.com)>
>
> I don't get it. There is an insurance company that baffles my mind. They specialize in direct sales (which you would think would be efficient), and advertise heavily to the experimental community in direct mail, magazine ads, a huge presence at OSH, etc.
> I get mailers all the time from this company and twice I have allowed them to offer me a quote, and both times that have been nearly twice as much as what I eventually ended up with.
> This last time I asked the embarrassed rep of this company why their quotes are so out of line and the answer I received was that the company truly isn't interested in making competitive quotes to experimental aircraft. So why, I asked, do they spend so much in marketing to a market segment they don't want? "I don't know" was the answer. "We deal with this every day."
> I told them they could reduce their mailing costs by removing me from their list and that they should probably reconsider their expensive ads claiming to love experimental business. Obviously they must underwrite enough paper to stay in business, but it sure seems like a strange way to operate to me.
>
> --------
> Myron Nelson
> Mesa, AZ
> Flew May 10 2014
>
>
>
>
> Read this topic online here:
>
> http://forums.matronics.com/viewtopic.php?p=440391#440391
>
>
>
>
>
>
>
>
>
>
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rleffler
Joined: 05 Nov 2006 Posts: 680
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Posted: Tue Apr 07, 2015 3:32 pm Post subject: Insurance mystery |
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As you are aware, Falcon and Nationair are just agents. Who are the underwriters? I'd be interested in understanding what underwriters are giving the best deal.
Bob
Sent from my iPad
Quote: | On Apr 7, 2015, at 7:10 PM, Rob Kermanj <flysrv10(at)gmail.com> wrote:
Just got mine renewed at $577 less than last year from Falcon. What a pleasent surprise! It is somewhat affordable now.
Do not archive.
Rob Kermanj
Sent from my iPad
> On Apr 7, 2015, at 6:01 PM, Tim Olson <Tim(at)MyRV10.com> wrote:
>
>
>
> Sounds like Avemco to me. Worthless.
> When I get their envelopes in the mail, I open them, stuff the contents in the prepaid return mailer and write on them with a marker saying "too expensive".
> Then it at least costs them more to try to peddle their BS at twice the price.
> Tim
> Do not archive
>
>
>
>> On Apr 7, 2015, at 4:19 PM, woxofswa <woxof(at)aol.com> wrote:
>>
>>
>>
>> I don't get it. There is an insurance company that baffles my mind. They specialize in direct sales (which you would think would be efficient), and advertise heavily to the experimental community in direct mail, magazine ads, a huge presence at OSH, etc.
>> I get mailers all the time from this company and twice I have allowed them to offer me a quote, and both times that have been nearly twice as much as what I eventually ended up with.
>> This last time I asked the embarrassed rep of this company why their quotes are so out of line and the answer I received was that the company truly isn't interested in making competitive quotes to experimental aircraft. So why, I asked, do they spend so much in marketing to a market segment they don't want? "I don't know" was the answer. "We deal with this every day."
>> I told them they could reduce their mailing costs by removing me from their list and that they should probably reconsider their expensive ads claiming to love experimental business. Obviously they must underwrite enough paper to stay in business, but it sure seems like a strange way to operate to me.
>>
>> --------
>> Myron Nelson
>> Mesa, AZ
>> Flew May 10 2014
>>
>>
>>
>>
>> Read this topic online here:
>>
>> http://forums.matronics.com/viewtopic.php?p=440391#440391
>
>
>
>
>
|
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_________________ Bob Leffler
N410BL - Phase I
http://mykitlog.com/rleffler |
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Tim Olson
Joined: 25 Jan 2007 Posts: 2872
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Posted: Tue Apr 07, 2015 3:32 pm Post subject: Insurance mystery |
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I'm with Nationair too and mine also dropped this year....good stuff.
Tim
[quote] On Apr 7, 2015, at 5:55 PM, Carl Froehlich <carl.froehlich(at)verizon.net> wrote:
I just renewed my policy with Nation Air and got a nice surprise - $700+
lower premium than last year with the same coverage.
Carl
--
| - The Matronics RV10-List Email Forum - | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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flysrv10(at)gmail.com Guest
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Posted: Tue Apr 07, 2015 4:12 pm Post subject: Insurance mystery |
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I think mine is Global. I sent the renewal so I cannot check now. I can tell you when I get the confirmation. Let me know if you want it.
Do not archive.
Rob Kermanj
Sent from my iPad
Quote: | On Apr 7, 2015, at 7:27 PM, Bob Leffler <rv(at)thelefflers.com> wrote:
As you are aware, Falcon and Nationair are just agents. Who are the underwriters? I'd be interested in understanding what underwriters are giving the best deal.
Bob
Sent from my iPad
> On Apr 7, 2015, at 7:10 PM, Rob Kermanj <flysrv10(at)gmail.com> wrote:
>
>
>
> Just got mine renewed at $577 less than last year from Falcon. What a pleasent surprise! It is somewhat affordable now.
>
> Do not archive.
>
> Rob Kermanj
> Sent from my iPad
>
>> On Apr 7, 2015, at 6:01 PM, Tim Olson <Tim(at)MyRV10.com> wrote:
>>
>>
>>
>> Sounds like Avemco to me. Worthless.
>> When I get their envelopes in the mail, I open them, stuff the contents in the prepaid return mailer and write on them with a marker saying "too expensive".
>> Then it at least costs them more to try to peddle their BS at twice the price.
>> Tim
>> Do not archive
>>
>>
>>
>>> On Apr 7, 2015, at 4:19 PM, woxofswa <woxof(at)aol.com> wrote:
>>>
>>>
>>>
>>> I don't get it. There is an insurance company that baffles my mind. They specialize in direct sales (which you would think would be efficient), and advertise heavily to the experimental community in direct mail, magazine ads, a huge presence at OSH, etc.
>>> I get mailers all the time from this company and twice I have allowed them to offer me a quote, and both times that have been nearly twice as much as what I eventually ended up with.
>>> This last time I asked the embarrassed rep of this company why their quotes are so out of line and the answer I received was that the company truly isn't interested in making competitive quotes to experimental aircraft. So why, I asked, do they spend so much in marketing to a market segment they don't want? "I don't know" was the answer. "We deal with this every day."
>>> I told them they could reduce their mailing costs by removing me from their list and that they should probably reconsider their expensive ads claiming to love experimental business. Obviously they must underwrite enough paper to stay in business, but it sure seems like a strange way to operate to me.
>>>
>>> --------
>>> Myron Nelson
>>> Mesa, AZ
>>> Flew May 10 2014
>>>
>>>
>>>
>>>
>>> Read this topic online here:
>>>
>>> http://forums.matronics.com/viewtopic.php?p=440391#440391
|
| - The Matronics RV10-List Email Forum - | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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Bob Turner
Joined: 03 Jan 2009 Posts: 885 Location: Castro Valley, CA
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Posted: Tue Apr 07, 2015 4:23 pm Post subject: Re: Insurance mystery |
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What a coincidence! Although I didn't bother last year, just last month I asked AVEMCO for a quote. Just to see if anything had changed. The answer is no change. Coverage limits are still "per person", not "per passenger" like everyone else. And, almost twice as expensive as my current policy (up for renewal soon). BUT, when I asked for a quote 2 years ago, they did send me a nice baseball cap with their name on it. My hangar-neighbor remarked that that was the most expensive cap he had ever seen.
For Bob: I'm with USAIG thru Nationair. We had them many years ago when a partner had a prop strike, and we had nothing but the best experience with their claims guy. I also like their plain language policy. It even tells me what they'll pay for my labor, if I choose to repair a covered claim myself!
BTW: Two years ago I asked Jenny (Nationair) why they didn't quote company X, which some others were reporting as offering very attractive rates. She told me that they wouldn't quote a company if they had doubts about their actual ability to stick around and pay for losses. A year later company X was no longer in the business. That's the kind of advice you pay a good broker for.
| - The Matronics RV10-List Email Forum - | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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_________________ Bob Turner
RV-10 QB |
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Tim Olson
Joined: 25 Jan 2007 Posts: 2872
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Posted: Tue Apr 07, 2015 4:50 pm Post subject: Insurance mystery |
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Mine is Global too.
Lowest price ever this year.
Tim
Quote: | On Apr 7, 2015, at 7:07 PM, Rob Kermanj <flysrv10(at)gmail.com> wrote:
I think mine is Global. I sent the renewal so I cannot check now. I can tell you when I get the confirmation. Let me know if you want it.
Do not archive.
Rob Kermanj
Sent from my iPad
> On Apr 7, 2015, at 7:27 PM, Bob Leffler <rv(at)thelefflers.com> wrote:
>
>
>
> As you are aware, Falcon and Nationair are just agents. Who are the underwriters? I'd be interested in understanding what underwriters are giving the best deal.
>
> Bob
>
> Sent from my iPad
>
>> On Apr 7, 2015, at 7:10 PM, Rob Kermanj <flysrv10(at)gmail.com> wrote:
>>
>>
>>
>> Just got mine renewed at $577 less than last year from Falcon. What a pleasent surprise! It is somewhat affordable now.
>>
>> Do not archive.
>>
>> Rob Kermanj
>> Sent from my iPad
>>
>>> On Apr 7, 2015, at 6:01 PM, Tim Olson <Tim(at)MyRV10.com> wrote:
>>>
>>>
>>>
>>> Sounds like Avemco to me. Worthless.
>>> When I get their envelopes in the mail, I open them, stuff the contents in the prepaid return mailer and write on them with a marker saying "too expensive".
>>> Then it at least costs them more to try to peddle their BS at twice the price.
>>> Tim
>>> Do not archive
>>>
>>>
>>>
>>>> On Apr 7, 2015, at 4:19 PM, woxofswa <woxof(at)aol.com> wrote:
>>>>
>>>>
>>>>
>>>> I don't get it. There is an insurance company that baffles my mind. They specialize in direct sales (which you would think would be efficient), and advertise heavily to the experimental community in direct mail, magazine ads, a huge presence at OSH, etc.
>>>> I get mailers all the time from this company and twice I have allowed them to offer me a quote, and both times that have been nearly twice as much as what I eventually ended up with.
>>>> This last time I asked the embarrassed rep of this company why their quotes are so out of line and the answer I received was that the company truly isn't interested in making competitive quotes to experimental aircraft. So why, I asked, do they spend so much in marketing to a market segment they don't want? "I don't know" was the answer. "We deal with this every day."
>>>> I told them they could reduce their mailing costs by removing me from their list and that they should probably reconsider their expensive ads claiming to love experimental business. Obviously they must underwrite enough paper to stay in business, but it sure seems like a strange way to operate to me.
>>>>
>>>> --------
>>>> Myron Nelson
>>>> Mesa, AZ
>>>> Flew May 10 2014
>>>>
>>>>
>>>>
>>>>
>>>> Read this topic online here:
>>>>
>>>> http://forums.matronics.com/viewtopic.php?p=440391#440391
|
| - The Matronics RV10-List Email Forum - | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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Tim Olson
Joined: 25 Jan 2007 Posts: 2872
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Posted: Tue Apr 07, 2015 4:53 pm Post subject: Insurance mystery |
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Isn't Avemco promoted by EAA? Or are they just a big advertiser? I would think that EAA wouldn't want to be associated with a company that does such a poor job with homebuilders.
Tim
Quote: | On Apr 7, 2015, at 7:24 PM, Bob Turner <bobturner(at)alum.rpi.edu> wrote:
What a coincidence! Although I didn't bother last year, just last month I asked AVEMCO for a quote. Just to see if anything had changed. The answer is no change. Coverage limits are still "per person", not "per passenger" like everyone else. And, almost twice as expensive as my current policy (up for renewal soon). BUT, when I asked for a quote 2 years ago, they did send me a nice baseball cap with their name on it. My hangar-neighbor remarked that that was the most expensive cap he had ever seen.
For Bob: I'm with USAIG thru Nationair. We had them many years ago when a partner had a prop strike, and we had nothing but the best experience with their claims guy. I also like their plain language policy. It even tells me what they'll pay for my labor, if I choose to repair a covered claim myself!
BTW: Two years ago I asked Jenny (Nationair) why they didn't quote company X, which some others were reporting as offering very attractive rates. She told me that they wouldn't quote a company if they had doubts about their actual ability to stick around and pay for losses. A year later company X was no longer in the business. That's the kind of advice you pay a good broker for.
--------
Bob Turner
RV-10 QB
Read this topic online here:
http://forums.matronics.com/viewtopic.php?p=440409#440409
|
| - The Matronics RV10-List Email Forum - | | Use the List Feature Navigator to browse the many List utilities available such as the Email Subscriptions page, Archive Search & Download, 7-Day Browse, Chat, FAQ, Photoshare, and much more:
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jestes(at)nationair.com Guest
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Posted: Tue Apr 07, 2015 5:44 pm Post subject: Insurance mystery |
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Yes it is most likely Global. There rates have been very competitive this year.
Jenny Estes NationAir
jestes(at)nationair.com
Sent from my iPhone
Quote: | On Apr 7, 2015, at 7:55 PM, Tim Olson <Tim(at)MyRV10.com> wrote:
Mine is Global too.
Lowest price ever this year.
Tim
> On Apr 7, 2015, at 7:07 PM, Rob Kermanj <flysrv10(at)gmail.com> wrote:
>
>
>
> I think mine is Global. I sent the renewal so I cannot check now. I can tell you when I get the confirmation. Let me know if you want it.
>
> Do not archive.
>
> Rob Kermanj
> Sent from my iPad
>
>> On Apr 7, 2015, at 7:27 PM, Bob Leffler <rv(at)thelefflers.com> wrote:
>>
>>
>>
>> As you are aware, Falcon and Nationair are just agents. Who are the underwriters? I'd be interested in understanding what underwriters are giving the best deal.
>>
>> Bob
>>
>> Sent from my iPad
>>
>>> On Apr 7, 2015, at 7:10 PM, Rob Kermanj <flysrv10(at)gmail.com> wrote:
>>>
>>>
>>>
>>> Just got mine renewed at $577 less than last year from Falcon. What a pleasent surprise! It is somewhat affordable now.
>>>
>>> Do not archive.
>>>
>>> Rob Kermanj
>>> Sent from my iPad
>>>
>>>> On Apr 7, 2015, at 6:01 PM, Tim Olson <Tim(at)MyRV10.com> wrote:
>>>>
>>>>
>>>>
>>>> Sounds like Avemco to me. Worthless.
>>>> When I get their envelopes in the mail, I open them, stuff the contents in the prepaid return mailer and write on them with a marker saying "too expensive".
>>>> Then it at least costs them more to try to peddle their BS at twice the price.
>>>> Tim
>>>> Do not archive
>>>>
>>>>
>>>>
>>>>> On Apr 7, 2015, at 4:19 PM, woxofswa <woxof(at)aol.com> wrote:
>>>>>
>>>>>
>>>>>
>>>>> I don't get it. There is an insurance company that baffles my mind. They specialize in direct sales (which you would think would be efficient), and advertise heavily to the experimental community in direct mail, magazine ads, a huge presence at OSH, etc.
>>>>> I get mailers all the time from this company and twice I have allowed them to offer me a quote, and both times that have been nearly twice as much as what I eventually ended up with.
>>>>> This last time I asked the embarrassed rep of this company why their quotes are so out of line and the answer I received was that the company truly isn't interested in making competitive quotes to experimental aircraft. So why, I asked, do they spend so much in marketing to a market segment they don't want? "I don't know" was the answer. "We deal with this every day."
>>>>> I told them they could reduce their mailing costs by removing me from their list and that they should probably reconsider their expensive ads claiming to love experimental business. Obviously they must underwrite enough paper to stay in business, but it sure seems like a strange way to operate to me.
>>>>>
>>>>> --------
>>>>> Myron Nelson
>>>>> Mesa, AZ
>>>>> Flew May 10 2014
>>>>>
>>>>>
>>>>>
>>>>>
>>>>> Read this topic online here:
>>>>>
>>>>> http://forums.matronics.com/viewtopic.php?p=440391#440391
|
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Bob Turner
Joined: 03 Jan 2009 Posts: 885 Location: Castro Valley, CA
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Posted: Tue Apr 07, 2015 9:24 pm Post subject: Re: Insurance mystery |
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Tim Olson wrote: | Isn't Avemco promoted by EAA? Or are they just a big advertiser? I would think that EAA wouldn't want to be associated with a company that does such a poor job with homebuilders.
Tim
|
EAA and AVEMCO used to have some sort of official relationship, but had a friendly divorce some years ago.
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_________________ Bob Turner
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Kelly McMullen
Joined: 16 Apr 2008 Posts: 1188 Location: Sun Lakes AZ
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Posted: Wed Apr 08, 2015 7:09 am Post subject: Insurance mystery |
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I don't recall if they had a relationship with EAA. They were for years the insurer of choice of AOPA. that ended around 25 yrs ago. They were one of the few that would write coverage for planes based in Alaska, but then only south of the Arctic Circle. I used them for a long time when I was based there. Once I moved to lower 48 I found other brokers/underwriters offered better coverage at less money.
On Tue, Apr 7, 2015 at 10:24 PM, Bob Turner <bobturner(at)alum.rpi.edu (bobturner(at)alum.rpi.edu)> wrote:
[quote]--> RV10-List message posted by: "Bob Turner" <bobturner(at)alum.rpi.edu (bobturner(at)alum.rpi.edu)>
Tim Olson wrote:
> Isn't Avemco promoted by EAA? Or are they just a big advertiser? I would think that EAA wouldn't want to be associated with a company that does such a poor job with homebuilders.
> Tim
>
EAA and AVEMCO used to have some sort of official relationship, but had a friendly divorce some years ago.
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Bob Turner
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_________________ Kelly McMullen
A&P/IA, EAA Tech Counselor
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Bob Turner
Joined: 03 Jan 2009 Posts: 885 Location: Castro Valley, CA
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Posted: Wed Apr 08, 2015 9:40 pm Post subject: Re: Insurance mystery |
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Tim Olson wrote: | Sounds like Avemco to me. Worthless.
When I get their envelopes in the mail, I open them, stuff the contents in the prepaid return mailer and write on them with a marker saying "too expensive".
Then it at least costs them more to try to peddle their BS at twice the price.
Tim
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I just got a follow up letter from Avemco, wanting me to send them the okay for their twice as expensive insurance.
I like your idea, "It's too expensive" is going onto their pre-paid envelope!
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_________________ Bob Turner
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