Not a big fan of the company's desire to get rid of HBT in the FAR 117 requirements. Also, what are they asking for in short call reserve report times? Yikes. Also, scope. And... nope.

The APA proposal is pretty sweet. Nice to see they addressed a lot of quality of life issues for reserves as well as line holders. Definitely more in line with industry leading/industry standard than the company proposal.

Also...

Yikes.