One thing I'm confused about is: Doesn't an organization like Tighar have insurance? It seems to me that, in this day and age, any organization is in danger of being sued, so wouldn't insurance be a necessity? I, myself, carry umbrella insurance. Of course, I don't know if that insurance would cover the cost of the legal fees. It almost sounds like you have to be rich to be able to defend yourself in this great country of ours. Say it ain't true!