Jay,

tripling the insurance rates simply for lack of an IR seems
ridiculous, given the fact that the couple in question is on their third
plane -- all accident/incident-free.


Well, not really. VFR into IMC leads the accident statistics. And I don't
understand the couple in question: doing the IR is a no-brainer costwise,
with that kind of differential.

--
Thomas Borchert (EDDH)