qmdv,
I believe the reason you were "mugged" as you put it, was because you sort of suggested that you might be heading down a slippery slope on an insurance question. I thought the response, from an expert in the insurance field, was perhaps a tad pointed, but nevertheless, it contained pertinent information, and left little doubt about the legalities of what was being discussed.
If I am guilty of "mugging" Mr. Kirk on the gross weight deal, I apologize. As I've noted in a couple of other threads, I've lost a number of good friends in aircraft accidents, and several of them just never should have been where they were. At least two of those were in an airplane that was significantly over gross weight at the time they were killed in it.
So, perhaps you can forgive me (or not) for being perhaps oversensitive to people coming onto public forums and bragging about their exploits. As I've noted, a lot of people look at these threads besides those who post here. Some of those people are impressionable.
I train young people to fly airplanes now. I feel a real responsibility to act responsibly around those folks, to hold them to the legal limits, and to offer a good and responsible example.
If you wish to call me "mugger", have at it, but please do so with a capital M, por favor
MTV