@Ron_Benfield@joebenson@gertieok There are plenty of options outside of the fully insured market which provide flexibility and are not subject to include the “mandatories”. The options in the fully insured market have been reduced significantly over recent years as the rates continue to increase.
Don’t be misled that Judge Torres ruled that sometimes XRP is a security and sometimes it isn’t. That’s exactly the opposite of what she ruled: XRP itself is NEVER a security. “ Page 15: "XRP, as a digital token, is not in and of itself a ‘contract, transaction[,] or scheme’ that embodies the Howey requirements of an investment contract."