Your reading comprehension skills are severely lacking again, SH.  NCBA says that $175 loss is for every animal, regardless of ownership.  Creekstone's claims are $400/head for THEM.

When I was in grade school, we had these little SRA kits where you had to read a story and then answer questions on what you read.  It taught reading comprehension skills. Maybe I could talk to the school here and see if I could get you started on the program?  Judging on the proficiency you've shown here, you can probably skip second grade and go right into third.