One of our biggest costs is insurance, but I don't think we can cut that by much. We first tried to set up our own insurance company for the product liability, but the excess insurers, the insurance companies that cover really large catastrophic losses such as if one of our planes crashed into a schoolhouse, wanted a substantial company, somebody they know, to manage any claims. The main aviation risk insurers charged such a high fee for managing our claims without collecting an insurance premium that it ate up the savings. We're looking at what's called a SIR, a Self-Insured Retention, of $5 million, with a regular aviation insurer covering the next $20 million and excess coverage over that, but it's a new product line and all the insurers have been burned before, so they're still charging a big premium on everything they do. Our loss record is still at zero losses, but there have been a few small claims from people having small accidents in their garage while building the aircraft.. 1st floor par or chachi or chacha ground floor par rehte the m chachi ko hamesha se chodna chahta thakiyuki vo bahut hi hot thi unke boobs mujhe uksaate the.M jab ghar par rehta tha to unhe hi dekhta rehta tha.Or vo bhimujhe bada pyar karti thi tum bahut hi ache lagte ho.Par vo vo wala pyar ni tha bas aisa hi pyar tha.Jab vo ghar ka kaam karti thi mujhe unke boobs dekhta rehta tha kabhi kabhi vo mujhe dekh bhi leti thi pr kuch ni bolti thi or muskura kr ignore kr deti thi.Ek din m morning m apne bath room m naha raha tha to mujhe aisa laga koi mujhe dekh raha h par maine ignore kr diya.Ek din m bathroom m nahane k liye jane wala tha tabhi mujhe aisa laga koi mere bathroom k pass aaya h Tabhi maine bathroom k hool k pass jakar dekha to chachi dikhi m samaj gaya chachi mujhe dekhti h to phir m jaan booj kr kuch ni bola or nahane laga chachi mujhe dekh rahi thi mujhe pata tha or m unko jaan booj kr apna land hila kr dikha raha tha mera land bahut mota h or chachi ko jarur pasand aaya.
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