INSURANCE: Master policy to cost $19.23 million insurance budget, to be paid by GRF and the participating Mutuals, for the master policy in 2025 will be about $19.23 million, about $6.3 million less than the $25.55 million that roughly the same level of coverage cost in 2024, said GRF General Manager Jeff Matheson. It hasn’t been decided how that unbudgeted savings will be used, Matheson