It really would have to be willful negligence from the designer, the engineer and the insurance company not to have the keel and mast balanced so that if it gets knocked down even to the point the mast touches the water it will self right as long as the boat does not take on water. It’s the whole point of a keel on modern sailboats, retracting or not.

On a boat this valuable the insurance company would want underwritten engineer reports about the seaworthiness of the boat and will only insure you for pre agreed areas based on said report. It might not be insured but with a commercial crew that is highly unlikely.

If the keel was up for shallow draft or it fell off, this happened to a number of oyster yachts a while ago so its not that unusual, then they would be fucked. If it took on water in large quantities so that the bilge pumps could not cope, they would be fucked. However it should be unlikely that the windows are open during a storm with commercial crew onboard.

My guess is that the keel either part or all of it came off, that will fuck you even in calm seas.

UK you have the concept of black box car insurance that offered a substantial discount for having either a dedicated device installed into the car or an app on your phone that tracks a bunch of stats as you drive. It’s as shit as it sounds as it marks you down for every little infringement such as driving at peak times because that’s more dangerous. Get enough points and you can have your policy cancelled. In the UK there are knock on effects for ever having an insurance policy cancelled and you have to legally declare you did when asked.

While you can uninstall the app good luck making a claim if you don’t have it installed with data for that journey. They’d also be pretty suss with no data over an extended period of a few months.

Worst part of these is that it’s expensive to switch to a non black box policy when you can afford to as you get older and more experienced.

There is a few steps before then. We are currently at the stage of privatising previously state ran services within the NHS such as radiology and buying extra capacity from private business This is being done at a local level using existing budgets so it means money for actual services gets reduced or quality of service drops as no outsourcer works at a loss for very long.

Other step that happens is you can pay to jump the queue by paying the heavily subsidised private offerings in the UK. This is often the same person you would have seen via the NHS. There isnt this huge magical pool of extra doctors in the UK who only work private (outside cosmetic) so anybody you see privately will almost certainly have a NHS case load. More work private, less work NHS as there is only so many hours they can and will work.

Next stage is national privatisation of some of the bigger services, for example the recent agreement with Palantir that sells off our data for far less than its worth and without explicit patient permission.

I would imagine as that will increase costs it will then become optional to pay for the NHS and instead you can pay for private cover (rather than paying for both as we do currently if you want private cover). Once this happens its only a matter of time before the NHS becomes an empty shell as the middle earners who pay the most tax towards the NHS will simply stop paying. Then at that point does private start getting way more expensive and the exclusions start.

Usually some privatisation apologist will appear and say that we do not have to follow the American model, to which I always say what exactly about this government has ever given you the complete confidence that anything other than the shitest option will happen. Its nice to wish for unicorns but they are not going to happen here.

Majority of people in Hong Kong at the time didn’t want to be part of China either, a lot of them left China already for a reason.