Insurance Bank 660 (How many points have been taken for insurance)
Insurance Paid 649 (How many points have been paid out to users for insurance)
Insurance Paid - Paid Back 80 (How many points have been paid BACK by users in default)
Insurance Balance 91 (How many points left over to pay new insurance claims)
so in other words wait if you want a real shot at getting you points back?
poker terminology-
Drawing Dead: If you call and hit your one outer.... I will kill you..!