The tower
One column per teammate: their blanket at the base, the squares they covered stacked on top. Every bar is a pool of a carrier's dollars; its colour says who stands behind it. Tap a column, a name or a bar.
The carriers' capital
If the week ended now
the full scoreboardNo wallets yet.
Reading the tower…
How it is built
- 1
One cover, one pool. When you cover a square or take a blanket, the carrier puts its own dollars in a pool for exactly that promise, in the same transaction as your premium. Its wallet is its capacity: when the wallet is empty, it cannot write more.
- 2
The carrier sells slices. Every pool is a line the room can take on the market, under par. The carrier keeps the premium and passes it on as the discount; whoever takes a slice stands behind that part of the promise.
- 3
A square happens. The target pays a dollar to each caller. If the square was covered, the carrier owes the target the cover, and that dollar comes out of the pool: every holder of the line loses their share, the carrier its share.
- 4
Blankets count the week. A blanket pays for the squares nobody covered, past its deductible, up to its cover. It is computed once, at the end, so the deductible bites once over the whole week.
- 5
Capital comes back. When the room takes a slice, the price lands in the carrier's wallet and it can write again. That is reinsurance: the room lends the carrier its capital and keeps the premium if nothing happens.