ok, i'm not a mathmatician. would someone explain to me in layman math terms why you don't take insurance when the count is high enough to have a big bet out but not as high as the insurance index(ko)? do factors like whether or not i have a good hand worth insuring factor into this? it's just that whenever i have a big bet out against an ace, and the count says tens are expected, i think i should take insurance even tho the count isn't quite there. (don, if this is explained in detail in bj attack, don't bother, i ordered the book yesterday) thank you