Hi Rick,

Don't take it personally, I can see where if you were recently burned you are probably skittish. And I think it's great you're offering the chip at face value. I also wouldn't see anything wrong with paying $1.30 to insure a chip worth $50. But my question is where do we draw the line? If I was sending you a current 50 cent face value chip, would it make sense to insure it by paying $1.30? How about if it was a $1 chip? Or a $2.50 chip? We all face the question of at what point is what we're sending worth paying for insurance. But it seems to me that point is something above $5.