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As I wrote you privately, his description of what to do when side counting aces is correct. His description of what to do for a secondary count makes no sense at all.
In his example of RC = -3 with three decks gone and 13 aces seen, you should have seen 12 aces, so the pack is deficient one ace. Therefore you ADD four to the RC of -3, which yields +1. The TC is, therefore, 1/3 = 0.333, and you most certainly do NOT take insurance.
I have no idea what Richard was thinking, but his example for the secondary count is all wrong. Imagine if you had seen 12 aces to that point, which is exactly normal. He would have you add 24 to -3, yielding +21. TC would be 21/3 = +7, and he would have you insure. Completely wrong.
Don
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