I wonder how hard it is to get liability insurance, considering how hard it was for RUSA. There was a fatality on a long distance race across Florida (I think) this year. The bike law guy was bragging about how he got a settlement from a ride promoter that didn't have an ironclad enough waiver. And was saying how having a bike ride at night was unscrupulously dangerous. I was going to ask him what he thought of my waiver. "if you go on this ride, you're going to die. By signing this waver you admit it will be your fault"