Having no national system of catastrophic health insurance, we have, through the courts, managed to patch together pieces of a not very satisfactory one.

There's no question young drivers have far more accidents than older ones - but is it our aim to keep them off the roads? Or to allow only rich young people (who can afford the premiums) to drive?

The larger the deductible you choose, the less insurance you are buying. Insurers want to sell insurance.

People don't need to find reasons to justify their not giving. What they need to find is the inspiration to give. And those who don't, but could afford to, are missing out on one of wealth's greatest luxuries.

There are only two things as complicated as insurance accounting and I have no idea what they are.

Man's natural life span, 75 to 90 years or so, has not increased. It is the number of us who manage to attain it that has increased.

You want 21 percent risk free? Pay off your credit cards.