Thank you Mike!!!
Option 2 was that I wasn't understanding something, and I think you explained it. I want the insurance optional, and by the looks of the prices, you are dead right. I am also thrilled to hear you are using the optional insurance mod with no trouble, so I have uninstalled this one and will try that one.
On another note.... I have heard mention of "test store" before... no laughing now... but I haven't a clue how to do that.
Thanks again for sorting this out for me so quickly. Now I can go back to the other issue I was working on before I played with this.
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