...were the three Riverside quarters I sent to you, David! That's the reason I self-insure, after all, you fulfilled your part of the bargain so as an ethical club member, I'm happily obliged to complete the transaction by replacing the chips or refunding your good faith payment. Dipped into the Big Box 'O Chips and fired off three more worthies. In a different case, rather than risk losing a substantial amount (to me!) on a lost chip I can't duplicate or afford to refund easily, I would purchase the insurance MYSELF to be sure that my customer was satisfied with my performance in the transaction. No wiggle room, no weasle words, I got, I sell, you buy, you get.