N
an open four-wheeled horse-drawn carriage with the seat attached to a flexible board between the front and rear axles 四轮马车; 座位连在一个前后车桥间的可移动的板子上
[美国英语]
The money is available for insurance plans showing a reasonable chance for success, are owned by the membership (people like you and I) and operated by a board of directors where members comprise the majority -not passive investors looking to make a buck.