John, and the rest of the readers here:
The money is flat out a bit of a puzzle in my mind. I have been to a lot of meetings, and I have learned, to understand cash "buckets" is really confusing. Involving 2 states, and a railroad. I don't have a handle on which entity is in charge of what*. I learned last meeting that insuring the C&T is out of the "commission" books. We also learned last meeting that if the commission could insure as a state agency, things would cost less. But, since commission is a part of 2 states, the rules are different, thus costing more. Also, within this thread, Dick Cowles mentioned other issues. Nothing about this RR works like a traditional business. It can't, by law, as I understand it. So, to feel better about things, I will buy a few tickets for this year and ride.
*If I get it right, there are 4 books. The Commission, The Operating company, The historical preseveration fund (HPF), and one other I can't think of now. I learned last meeting that some of the HPF money goes to the Friends of the C&T. Good news in my mind.