What is the delivery charge for domino - A 15% tip for a $25 delivery would be $3.75. So, in total, you'd pay $28.75. How much do you tip for a $30 pizza delivery? A 15% tip for a $30 delivery would be $4.50.

 
It's clear that Dominos businesses model has morphed from "30 minutes or less" to having a pickup option (there wasn't one that I know of, BITD) to having in-store dining to charging the cost of, basically, their cheapest product as a delivery charge to recoup their costs from earlier loss leader practices.. Thornhill dillon mortuary obituaries

Mar 29, 2023 · They offer a wide choice of pizzas, bread, salads, and sandwiches. Prices on the menu vary from $5 to $20, depending on pizza type and size. This brand is available in more than 90 countries with almost 18,000 pizza stores. The key to this success is innovative customer service, offering many perks, guarantees, and insurance. The delivery fee is there to cover the extra expenses of delivering. Tbese are all expenses the store wouldn't have if they didnt offer delivery. Seeing as a pizza is 10.99 if you pick it up or we bring it to you it make sense to only charge the extra costs associated with delivery to the people.using the service. Apr 14, 2010 · Well, at my Domino's the delivery charge is $1 . We are reimbursed $.90 per run. So technically I get most of that delivery charge. Now I live in Sticksville, so some of my runs are pretty far (almost 7 miles in some cases, SUCKS) but I can still get around 10-25 runs on a good night. The delivery fee was recently raised from $2.99 to $3.99 but what REALLY did it for me is the 2 x 5.99 deal is now 2 x 6.99, so I'm redeeming my free pizza (60 points) tonight which with tax, delivery charge, and a $3.00 tip my "free" pizza is $7.35.Delivery charges may apply, please ask in store for details. Driver Tipping – Terms and Conditions. 1. You are agreeing to pay a gratuity to our driver for the delivery service provided (“Tip”). You are free to choose the amount of your Tip. 2. Your payment will be taken by our nominated payment service provider, TiPJAR® 3. On a recent order from Domino's, a $2.75 delivery fee was added to my order of two large pizzas and a two-liter bottle of Sprite. With a tip of $5 added, I ended up paying almost $8 extra plus tax for my order.Yeah, I always wonder how Dominos can charge a $3.99 to $5.50 "delivery charge" when the won't even pay drivers the full reimbursement rate for milage. "Get 2 pizzas for 6.99 each. Will only cost 25 after delivery charge and tip". We don't see a penny of that directly at our store. 5-5-5 medium pizza deal came out to $16.50 after tax. Most people paid with a $20 bill, so $3.50 tip in 2003 was pretty good. With the delivery fee, orders came up $18.50, still only got $20 for those deliveries. $3.50 to $1.50 tip is a more than 50% loss in tip revenue, and this became the new normal.Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.That's why businesses do "split pay" to keep labor costs of delivery downdown, charge the delivery fee to increase delivery revenue, make a special more expensive for delivery ($5.99 for carryout but $6.99 for delivery), to increase delivery revenue, and expect the customer to tip the driver to keep the driver willing to keep doing the delivery ...5-5-5 medium pizza deal came out to $16.50 after tax. Most people paid with a $20 bill, so $3.50 tip in 2003 was pretty good. With the delivery fee, orders came up $18.50, still only got $20 for those deliveries. $3.50 to $1.50 tip is a more than 50% loss in tip revenue, and this became the new normal.Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces. Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.Their solution was to increase our mileage reimbursement from 32 cents a mile up to 35 cents a mile. Prices go up on gas over 50 cents over night and our company vomits out 3 cents a mile to make up for it. They also increase their delivery fee by $1.50 but give us a whopping extra 3 cents! The delivery charge is to cover costs associated with delivery such as mileage, drivers hourly pay, insurance, etc. The stores in my franchise have a cost per delivery much higher than the current delivery charge of $3.99/delivery. Carryout orders, even with cheaper coupons, are more profitable than delivery orders.Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.That'd explain why the fee is so high out here. [deleted] • 6 yr. ago. The idea is the delivery charge is to over-cover the cost of gas. Tips you get at the end of the night but the delivery charge goes on your check. Also the $1.40 I got would be recalculated every Monday based on current gas prices.Well, at my Domino's the delivery charge is $1 . We are reimbursed $.90 per run. So technically I get most of that delivery charge. Now I live in Sticksville, so some of my runs are pretty far (almost 7 miles in some cases, SUCKS) but I can still get around 10-25 runs on a good night.The delivery fee is set by the franchisee, and is generally in correlation to the minimum wage, because it's the only thing on the menu they can raise the price of without corporate cutting it with a special deal. Seattle's minimum wage is around $16 an hour, that's why. In Denver our minimum wage is $12.85 per hour and the delivery charge is ...Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Our drivers carry less than $120.00 TTD. You must ask for any limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, delivery area and charges may vary. Checks are not accepted. ©2015 Domino's IP ... Then one pizza corporation decided "hey! We can charge the customer directly for our overhead costs!" Prior to 2002, Domino's had free delivery. In 2002 they decided to try a $1 delivery fee to see if customers would revolt. A lot did, but they got away with it. Now we are up to almost $6 for delivery fee and some markets are up to $8 delivery fee.In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order. It's too bad they didn't tell you in the menu price. Pizza companies like to retain the appeal of ...The delivery fee was recently raised from $2.99 to $3.99 but what REALLY did it for me is the 2 x 5.99 deal is now 2 x 6.99, so I'm redeeming my free pizza (60 points) tonight which with tax, delivery charge, and a $3.00 tip my "free" pizza is $7.35.Finding Domino’s Pizza and Domino’s Hotspots near me is easy. Simply visit Dominos.com on your computer or phone, or add the Domino’s Pizza app to the mobile apps on your phone. Alongside the options to choose delivery or carryout, you can now select Domino’s Hotspot. Then, allow Dominos.com access to your location on your device so we ...Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces. The delivery fee of Pizza Hut back in 2002 was only $0.50. Those of Domino’s and Papa John’s were just $1. However, these delivery charges have increased considerably since then, compared to the inflation rate during the same time. Here is a table that will show you the dramatic increases in pizza delivery fees over the years:Their solution was to increase our mileage reimbursement from 32 cents a mile up to 35 cents a mile. Prices go up on gas over 50 cents over night and our company vomits out 3 cents a mile to make up for it. They also increase their delivery fee by $1.50 but give us a whopping extra 3 cents! Jan 27, 2014 · Domino’s delivery driver Eduardo Carpaneda sued the company in August 2013, arguing that the “delivery charge” that Domino’s tacks on to customer bills is a service charge under the Massachusetts Tips Act. Accordingly, Domino’s violated the Tips Act by failing to turn over the proceeds of the fee to drivers. About Domino's Pizza ® Founded in 1960, Domino's Pizza is the largest pizza company in the world based on retail sales, with a significant business in both delivery and carryout pizza. It ranks among the world's top public restaurant brands with a global enterprise of more than 18,000 stores in over 90 markets.Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Drivers carry less than $20. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, participation, delivery area and charges may vary.Jan 27, 2014 · Domino’s delivery driver Eduardo Carpaneda sued the company in August 2013, arguing that the “delivery charge” that Domino’s tacks on to customer bills is a service charge under the Massachusetts Tips Act. Accordingly, Domino’s violated the Tips Act by failing to turn over the proceeds of the fee to drivers. For reference, Domino's used to emphasize a "30 minutes or its free" policy on all deliveries. Although the free pizza motto is no longer a rule, Domino's continues to guarantee deliveries within ...Every pizza chain charges a delivery fee so protesting Pizza Hut for Dominos won’t cut it pal. The delivery fee helps to cover mileage pay for the drivers (because 30% of people or higher in many places do not tip at all because they are scum bags) but mainly goes to insuring every driver on the road. Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Drivers carry less than $20. You must ask for this limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, participation, delivery area and charges may vary.Jul 28, 2021 · Domino's has been experiencing longer delivery times than is typical for the chain, and the company admitted this issue has come to light during the pandemic. Domino's CEO Ritch Allison said on an ... Fuck you Dominos, pay your people more. But give me my fuckin pizza. [deleted] • 5 yr. ago. I just saw a delivery charge of $4.99 on my order. I cancelled my order and deleted the Dominos app permanently. I’m never going to pay $4.99 to Dominos for a delivery charge and then tip the delivery person another $5.00. same issue happened to me. I got a code for a free medium 2-topping pizza, go to checkout (obviously $8 because of the tip, delivery charges, and tax) but it says I my order has to be $18 or more! even though prior to this order, I ordered a pizza that with another code and the total cost was $11, make it make sense. The fee is a surcharge on your bill for the store and not given to the driver. In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order. The delivery fee is there to cover the extra expenses of delivering. Tbese are all expenses the store wouldn't have if they didnt offer delivery. Seeing as a pizza is 10.99 if you pick it up or we bring it to you it make sense to only charge the extra costs associated with delivery to the people.using the service.The delivery fee is set by the franchisee, and is generally in correlation to the minimum wage, because it's the only thing on the menu they can raise the price of without corporate cutting it with a special deal. Seattle's minimum wage is around $16 an hour, that's why. In Denver our minimum wage is $12.85 per hour and the delivery charge is ...Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.About Domino's Pizza ® Founded in 1960, Domino's Pizza is the largest pizza company in the world based on retail sales, with a significant business in both delivery and carryout pizza. It ranks among the world's top public restaurant brands with a global enterprise of more than 18,000 stores in over 90 markets.We would like to show you a description here but the site won’t allow us.Domino's Pizza: Outrageous Delivery Charge - See 6 traveler reviews, candid photos, and great deals for Morehead, KY, at Tripadvisor.Every pizza chain charges a delivery fee so protesting Pizza Hut for Dominos won’t cut it pal. The delivery fee helps to cover mileage pay for the drivers (because 30% of people or higher in many places do not tip at all because they are scum bags) but mainly goes to insuring every driver on the road. They offer a wide choice of pizzas, bread, salads, and sandwiches. Prices on the menu vary from $5 to $20, depending on pizza type and size. This brand is available in more than 90 countries with almost 18,000 pizza stores. The key to this success is innovative customer service, offering many perks, guarantees, and insurance.Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces. Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.The fee is a surcharge on your bill for the store and not given to the driver. In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order.For reference, a $2.50 delivery fee was imposed here approx 8 years ago. The delivery fee is now $5.00. The dominos location I'm ordering from is just under 1 mile away. If the delivery person is making 5 deliveries in one round trip, that is an extra $25 for Dominos within an hour.Order pizza, pasta, sandwiches & more online for carryout or delivery from Domino's. View menu, find locations, track orders. Sign up for Domino's email & text offers to get great deals on your next order. About Domino's Pizza ® Founded in 1960, Domino's Pizza is the largest pizza company in the world based on retail sales, with a significant business in both delivery and carryout pizza. It ranks among the world's top public restaurant brands with a global enterprise of more than 18,000 stores in over 90 markets.Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.Yeah, I always wonder how Dominos can charge a $3.99 to $5.50 "delivery charge" when the won't even pay drivers the full reimbursement rate for milage. "Get 2 pizzas for 6.99 each. Will only cost 25 after delivery charge and tip". We don't see a penny of that directly at our store.Jul 20, 2020 · Domino’s Pizza, which has more than a thousand outlets in the country operated by Jubilant FoodWorks Ltd (JFL), is levying a delivery charge for the first time. New Delhi: The country’s largest organised quick-service restaurant chain, Domino’s Pizza , has begun charging a Rs 30 fee on all deliveries ordered on its app. Answer Man: When I ordered pizzas from Domino’s on East Republic I looked at my bill and was charged a $1.99 “delivery fee.” I wondered if this was part of a “tip.” But my driver told me ...Generally, Domino’s charges around $3.99 for delivery. You can check out the price of delivery at your local Domino’s by visiting the store locator and entering your ZIP code. The exact fee may vary depending on your location and the size of your order, which is why it’s always a good idea to double-check during checkout.May 3, 2021 · Domino’s is testing self-driving delivery with Nuro’s R2 robot, and the Noid is back to try to stop it. (Video: Domino’s Pizza) ... A judge later ruled Noid not guilty of the charges against ... Domino’s is leading the charge in the future of pizza delivery with electric vehicles. EVs provide numerous advantages, including ample battery life for days of deliveries, zero tailpipe emissions, advanced safety features and lower maintenance costs than nonelectric vehicles.Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Drivers carry less than $20. You must ask for this limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, participation, delivery area and charges may vary.Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Drivers carry less than $20. You must ask for this limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, participation, delivery area and charges may vary.Domino’s Delivery Guarantee states: “If you are not completely satisfied with your Domino's Pizza experience, we will make it right or refund your money. In the Domino’s Delivery Insurance Program, you report your delivery issue on the Domino’s Tracker page, your order confirmation page, or your order confirmation email. Thanks to Domino's Delivery Hotspots ® you can have Domino's food delivered wherever you like to hang out in Delavan — beach, park, sports arena, or music venue. Simply place an order online, click on Delivery Hotspot, and grant Dominos.com access to your location. Find the closest Domino's Hotspot® and finish your order. Domino's has been experiencing longer delivery times than is typical for the chain, and the company admitted this issue has come to light during the pandemic. Domino's CEO Ritch Allison said on an ...Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Our drivers carry less than $120.00 TTD. You must ask for any limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, delivery area and charges may vary. Checks are not accepted. ©2015 Domino's IP ... Prices, delivery area, and charges may vary by store. Delivery orders are subject to each local store's delivery charge. 2-item minimum. Bone-in Wings, Bread Bowl Pasta, and Handmade Pan Pizza will cost extra. In addition, your local store may charge extra for some menu items available with this offer and some crust types, toppings, and sauces.Drivers were paid some type of vehicle reimbursement long before there was a delivery charge. The only correct answer is that drivers get NONE of the delivery charge. I was a driver at Domino’s from 1989-1997. If my word is not good enough, DPI stipulated to the fact that the company retains the entire delivery charge in Carpaneda v. DPI.Domino’s delivery drivers are typically paid between $5.00 and $9.00 per hour. For prompt service, delivery drivers supplement their base salary with cash tips. Experienced drivers can earn up to $15.00 per hour.Yeah, I always wonder how Dominos can charge a $3.99 to $5.50 "delivery charge" when the won't even pay drivers the full reimbursement rate for milage. "Get 2 pizzas for 6.99 each. Will only cost 25 after delivery charge and tip". We don't see a penny of that directly at our store. Domino’s Pizza, which has more than a thousand outlets in the country operated by Jubilant FoodWorks Ltd (JFL), is levying a delivery charge for the first time. New Delhi: The country’s largest organised quick-service restaurant chain, Domino’s Pizza , has begun charging a Rs 30 fee on all deliveries ordered on its app.A Domino's delivery guy mistakenly left a receipt in my mailbox. Looked through the details. Wow!!, Domino's Pizza charges $3 (plus taxes) for home delivery. Remember years ago, It used to be free home deiivery esp those promo within 30 mins delivery or the pizza order is free. I was happy camper those days.A 15% tip for a $25 delivery would be $3.75. So, in total, you'd pay $28.75. How much do you tip for a $30 pizza delivery? A 15% tip for a $30 delivery would be $4.50.Fuck you Dominos, pay your people more. But give me my fuckin pizza. [deleted] • 5 yr. ago. I just saw a delivery charge of $4.99 on my order. I cancelled my order and deleted the Dominos app permanently. I’m never going to pay $4.99 to Dominos for a delivery charge and then tip the delivery person another $5.00. In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order. It's too bad they didn't tell you in the menu price. Pizza companies like to retain the appeal of ...With Domino's Delivery Hotspots ®, you can have your favorite Domino's dishes delivered almost anywhere in Denver, CO — sports arena, park, beach, or music festival. Simply place an order online, select Delivery Hotspot, and allow Dominos.com to access your location. Pick a Domino's Hotspot® near you, then complete your order. Dec 20, 2006 · A Domino's delivery guy mistakenly left a receipt in my mailbox. Looked through the details. Wow!!, Domino's Pizza charges $3 (plus taxes) for home delivery. Remember years ago, It used to be free home deiivery esp those promo within 30 mins delivery or the pizza order is free. I was happy camper those days. The delivery fee of Pizza Hut back in 2002 was only $0.50. Those of Domino’s and Papa John’s were just $1. However, these delivery charges have increased considerably since then, compared to the inflation rate during the same time. Here is a table that will show you the dramatic increases in pizza delivery fees over the years:Domino’s Delivery Guarantee states: “If you are not completely satisfied with your Domino's Pizza experience, we will make it right or refund your money. In the Domino’s Delivery Insurance Program, you report your delivery issue on the Domino’s Tracker page, your order confirmation page, or your order confirmation email.

Then one pizza corporation decided "hey! We can charge the customer directly for our overhead costs!" Prior to 2002, Domino's had free delivery. In 2002 they decided to try a $1 delivery fee to see if customers would revolt. A lot did, but they got away with it. Now we are up to almost $6 for delivery fee and some markets are up to $8 delivery fee. . Genesis fs card

what is the delivery charge for domino

Apr 14, 2010 · Well, at my Domino's the delivery charge is $1 . We are reimbursed $.90 per run. So technically I get most of that delivery charge. Now I live in Sticksville, so some of my runs are pretty far (almost 7 miles in some cases, SUCKS) but I can still get around 10-25 runs on a good night. Domino’s is leading the charge in the future of pizza delivery with electric vehicles. EVs provide numerous advantages, including ample battery life for days of deliveries, zero tailpipe emissions, advanced safety features and lower maintenance costs than nonelectric vehicles.Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Our drivers carry less than $120.00 TTD. You must ask for any limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, delivery area and charges may vary. Checks are not accepted. ©2015 Domino's IP ... In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order. It's too bad they didn't tell you in the menu price. Pizza companies like to retain the appeal of ...Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Drivers carry less than $20. You must ask for this limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, participation, delivery area and charges may vary.The drivers only get less then $4 out of the $10 delivery fees and dominos gets the rest. Dominos used to pay the driver out of the price if the pizza now they add a delivery charge to make more money. Now they have a new scam where they charge you an extra $1 on each delivery item on top of their delivery fee.Any Delivery Charge is not a tip paid to your driver. Please reward your driver for awesomeness. Our drivers carry less than $120.00 TTD. You must ask for any limited time offer. Minimum purchase required for delivery. Delivery charge and tax may apply. Prices, delivery area and charges may vary. Checks are not accepted. ©2015 Domino's IP ... It's clear that Dominos businesses model has morphed from "30 minutes or less" to having a pickup option (there wasn't one that I know of, BITD) to having in-store dining to charging the cost of, basically, their cheapest product as a delivery charge to recoup their costs from earlier loss leader practices. so delivery charge is in place for mileage reimbursement, paying driver wages, and (most noteably) insurance coverage. maybe 50¢ actually goes to the driver for each charge and the rest is insurance, in case the driver hits someone and the injured person tries to sue the company. the driver still needs to have their own insurance, paid for with their own money.The fee is a surcharge on your bill for the store and not given to the driver. In national chains like Pizza Hut, Domino's, and Papa John's, the delivery charge does not go to the driver's tip. It is a disguised price increase for the store. With inflation, we're sorry to say it costs the store $2 more to produce your order.The delivery fee is set by the franchisee, and is generally in correlation to the minimum wage, because it's the only thing on the menu they can raise the price of without corporate cutting it with a special deal. Seattle's minimum wage is around $16 an hour, that's why. In Denver our minimum wage is $12.85 per hour and the delivery charge is ...Mar 29, 2023 · They offer a wide choice of pizzas, bread, salads, and sandwiches. Prices on the menu vary from $5 to $20, depending on pizza type and size. This brand is available in more than 90 countries with almost 18,000 pizza stores. The key to this success is innovative customer service, offering many perks, guarantees, and insurance. so delivery charge is in place for mileage reimbursement, paying driver wages, and (most noteably) insurance coverage. maybe 50¢ actually goes to the driver for each charge and the rest is insurance, in case the driver hits someone and the injured person tries to sue the company. the driver still needs to have their own insurance, paid for with their own money..

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