Well folks, despite my often bad attitude at times, I sincerely like this idea and I truly can't see an issue with it. Please add to, criticize, or simply support my idea (or I dunno maybe add your own totally different idea). I can and may elaborate more, but I just want to show PGI that this needs to be a thing, I'm not on their payroll to figure out all the specifics after all

.
I have a corresponding thread in here as well elaborating on my reasons, if it gets buried I'll stick it in here and provide some added details for what I hope would be an equitable premium matches per MC ratio.
Edited by Scrotacus 42, 02 November 2014 - 05:47 PM.