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I signed the contract the very last day of July. My super starter month was not until September as well. I had some small (1 item) orders during August, which my portion went directly to the insurance.
I look at it like this. First, the insurance amount is very small, and covers a lot. There is no way we could purchase at such a nominal rate. Second, I think the home office views, that we could have potentially had shows in July and August, therefore the insurance.