I think you are correct.

Also who qualify's for an additional Insurance reimbursement amount, assuming the Tracks started to pick up the tab. Another words how many rides a day, a month does someone have to have to justify their Premium being paid. Should Johnny V have had his Premium paid when he showed up to ride Lady Tak last weekend.

What if 200 no-name riders showed up at the start of the Meet. Does the Track have to cover them too??? I think the Tracks took an All or None approach and decided None was better.