Sorry for confusiong.
If I meant true count then it would have written tc(HL + AA78mTc) >= 4
Since I did not have tc in the equation then it is running count. HL + AA78mTc >= 4*dr
At any rate, now you know.
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I am not sure what you mean by the insurance decision is a level 5 playing count.
The decision is simple. Keep the HL count, Keep the AA78mTc. Add the two together. Estimate the number of decks remaining. Multiple the number of decks remaining by 4. If the sum HL + AA78mTc is greater than four times the decks remaking (4*dr) then take insurance.
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