"As I had indicated in my original post I have not even started to look at insurance and insurance decisions. In one of the BJ books I read the author seemed to indicate that there was only a small percentage fraction to be gained playing with insurance as opposed to not using insurance at all. This is one of the reasons I have not concentrated on insurance; because I did not think the gain was worth the extra complexity."

For the record, can you tell us which book that was? You should burn it, by the way.

And, again, the legitimate question is: What complexity are you talking about? You are putting off taking insurance in multi-deck when the TC is +3 or higher for what reason, exactly? You are learning other indices, but this one is too tough for you???? You understand that you're not making a lot of sense, don't you?

Don