I agree with Clint. My BMX accident, July 05, cost my insurance carrier over 40k and I was out of work for 3 weeks, luckily I still remained on the payroll. I just recently finished up having surgery on a torn meniscus that was from the Jack Frost in 06. I have two girls and a wife that are way, way more important to me than the “fun” I had when I came back to racing. I still love the sport but I had to prioritize.