Duke Energy and its subsidiary Progress Energy must decide whether to shut down the Crystal River nuclear plant in Florida or spend $3.5 billion to repair a "botched" maintenance project and hundreds of millions more to buy energy from other sources. Nuclear Electric Insurance Limited -- the company that insures all 104 nuclear plants in the U.S. -- has only $3.6 billion to cover claims. That means other nuclear facilities and projects could be affected -- as could rate payers across America.