Why has the board made a formal proposal to the City of St. George to give them 11 acres (basically the cliffs with rock-fall exposure), and I believe hired Pope Engineering BEFORE A VOTE OF THE HOMEOWNERS? Do they know something?? Let's do the morally correct thing - purchase the correct insurance. Our Board knows almost nothing about insurance, and in fact, might be putting themselves at risk for lawsuits from homeowners if they don't take care of this properly. Some board members say the "quote" for insurance is $100,000.00 per year. / 475 Homeowners is $210.53 per year - / 12 months is $17.50 per month for each of us. But let's be honest - they really have no idea how much the quote would be.