To the spouter in Upper Township who compared the relationship between a township and a fire department with that of a private citizen and a contractor. I like your analysis. Let's take it a step further. You are the citizen with a $10 million home. You hire a contractor to paint your house. The painter's scaffolding falls and kills a child. The contractor is ensured for $50,000. Do you think your $10 million home will be threatened by law suit? If a child dies on an ATV track after being serviced by the fire department, do you think the taxpayers will be in jeopardy?