This might be one reason insurance companies are shooting big rates out there to the cats and big powered V's. After all, "it's not a race, but I will get there first". My hat is off to Stu for putting his foot down but, maybe it should be looked at and adjusted some to work better. If things keep going in a reckless manor none of us will be able to enjoy the really fast boats execpt in the races. And our insurance rates will require a 20 year mortgage to make the payments. We all make mistakes at some time and that's how we learn somtimes. If we can't learn or follow the rules then get off the water so the rest of us can.