Zaphod, I fear that you may be right, but the public has to understand that Q400s just don't fall out of the sky unless things are very wrong at the pointy end, nor do aircraft stall and crash into the Atlantic and seawalls if flown by trained and experienced crews, just compare the performance of the Qantas crew who landed a crippled aircraft with these previous mentioned crashes. The good news is the insurance industry is having second thoughts about covering some operators, the bad news is some of these outfits don't need coverage, the have enough cash in their national coffers to cover any loses. Recently I heard a bean counter talk about "acceptable hull loss rate" we can only hope that he is onboard one of these "acceptable "crashes!