Hello i would like to underline that card insurance scroll are way too expensive for what they are: 200 IM for 5 cards ( Lets not talk about the 1 card for 50 IM)
Easy maths 1: 200/5 = 40 IM for EACH)
Easy maths 2: 40 x 12(current average IM rate) = 480 gold per cards
When you need over 100 of them to combine 32 cards on which you have already spent A LOT of time farming is just abusive
Easy maths 3: 480 x 100~ = 48 000~ gold per skill from lvl 5 to 10
Moreover every class has a decent number of skills to maxout
Easy maths 4: 48 000~ x (number of skills to get to lvl 10 for your class) = hundred of thousands of gold 
Not like maxing a skill on ds is something that unbalances anything or changes the game THAT much so would it be possible please to reconsider the price for something more reasonnable
