"Steps must be taken to curb that carelessness. I suggest a publicity campaign of some kind. The people must be thoroughly indoctrinated in safety procedures and warned against carelessness. Just a few months of schooling isn't enough, Mr. Alhamid. You've got to start pounding it into their heads early. "If you don't--" He shook his head. (He had grown used to doing so in low gravity by now.) "If the death rate isn't cut down, we shall have to raise the premium rates, and I don't know what will happen on the floor of the People's Congress. However, I think I can guarantee six months to a year before any steps are taken. That will give you time to launch your safety campaign. I'm certain that as soon as this carelessness is curbed, the claims will drop down to their former low point." "We'll certainly try that," Alhamid had said heartily. "Thank you very much, Mr. Tarnhorst." When they had finally gone, Alhamid spoke to the governor. "That's that, Larry. You can bring it up at the next meeting of the Board of Governors. Get some kind of publicity campaign going. Plug safety. Tell 'em carelessness is bad. It can't hurt anything and actually might help, who knows?" "What are you going to do at your end?" "What we should have done long ago: finance the insurance ourselves. For the next couple of years, we'll only make death claims to Earth for a part of the total. We'll pay off the rest ourselves. Then we'll tell 'em we've brought the cost down so much that we can afford to do our own insurance financing. "We let this insurance thing ride too long, and it has damn near got us in a jam. We needed the income from Earth. We still could use it, but we need our independence more." "I second the motion," the governor said fervently. "Look, suppose you come over to my place tonight, and we'll work out the details of this report. O.K.? Say at nine?" "Fine, Larry. I'll see you then." Alhamid went back to his office. He was met at the door by his secretary, who handed him a sealed envelope. "The Earthman left this here for you. He said you'd know what to do with it." Alhamid took the envelope and looked at the name on the outside. "Which Earthman?" he asked. "The young one," she said, "the blond one." "It isn't even addressed to me," Alhamid said with a note of puzzled speculation in his voice. "No. I noticed that. I told him he could send it straight to the school, but he said you would know how to handle it." Alhamid looked at the envelope again, and his eyes narrowed a little. "Call Captain St. Simon, will you? Tell him I would like to have him come to my office. Don't mention this letter; I don't want it breezed all over Pallas."