By grafting low, at most a few inches from the rootstock, I can get some good freeze insurance with a nursery can, some duct tape, and some dirt. I'm using the heat from the ground to keep the rootstock and graft from freezing. If we get a Christmas 1989 type of freeze here with 10F and freezing for 96 hours, I lose the top and the next year of fruit, but the tree will be grown back just as big and fruit in the 2nd year after the freeze. I wish I had banked my trees in 1989! They froze to the ground and even the rootstock never sprouted again. If I'd have done that, the guy who owns my old house would have 17 year old mature satsuma and kumquat trees and more fruit than he could eat. We haven't had a citrus killer freeze since then. Thanks to Bonnie Childers for showing me how to do it. I was so discouraged by the 1983 and 1989 freezes, I didn]'t plant citrus trees again until 2000.