True dat on the citation comment. I know of a corporation with 7 citation bravos that has low-ish time FOs to reduce insurance costs. Since they pay their FOs on a callout, indep. contractor basis ($700 per diem flat rate callout whether you fly 1 hr or max duty), they basically save tons on insurance premiums, because a) they don't have to pay for the FO unless the plane is flying, and b) their insurance savings is probably much much greater than $700 per 1-8 hours of operation.