One of the things that makes it tough to figure out how much has to be charged for insurance is that people behave differently when they are insured from the way they behave when they are not insured.
In other words, if one person out of 10,000 has his car set on fire, and it costs an average of $10,000 to restore the car to its previous condition, then it might seem as if charging one dollar to all 10,000 people would be enough to cover the cost of paying $10,000 to the one person whose car that will need to...













Another trend I noticed - NONE of the dhimmicrat mailings which cluttered up my mailbox before our primary Aug 24 had party affiliation on them, anywhere. We even had to look up a couple because we didn't know them, but after the ruse was uncovered, they were easy to spot.
Yes, they are in trouble, but just wait until they come home from DC with oodles of left over "stimulus" money to spread around their districts and BUY votes.
I'm anxious to see how the HUGE crowd in DC today...