I don't know. That would explain the rising cost of insurance rates. Seriously though, I am absolutely dumbfounded there are even a few people who think BJ an D-Mo won in these negotiations. Morey bent BJ over the table on this one. He played it brilliantly and this is probably the most team friendly contract I've ever seen. He used his leverage perfectly to remove the items he did not want. And the thing is, if D-Mo returns to form (or especially if he improves) each of these options will be picked up and this will be one of the best contracts in the NBA.