The charter bus company that I work for has just seen their premiums go up from $20,000 to $50,000 a year per coach, because our buses are parked in Brooklyn, 3 miles from the site of the former World Trade Center. And even at that price, we were very lucky to get a carrier that was willing to write the policy, even though we have a perfect safety record. New York is absolutely the worst market for insurance in the entire nation, without exception. It is tantamount to extortion. SOL ZELLER