第十五条 除合同另有约定外，抵押人应当对抵押船舶进行保险；未保险的，抵押权人有权对该船舶进行保险，保险费由抵押人负担。
If, instead, the rules are ignored when convenient, the company and its board need to implement much stronger governance mechanisms, with explicit guardrails; otherwise, in practice, the board is sidestepped.
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