I was excited at first when I learned item insurance cost will be lessened for many items without reading it completely now I am concerned. what do you mean the number of deaths payable? Does that mean after we die a certain number of times we cant insure things anymore? does that mean after we die a ceratain amount of times with the same insured items we cant insure those same items anymore? Please say it isnt so that could ruin the game for many players and lose a lot the players please explain further thanks. and if I am right please reconsider this.