Hay fever suffers tend to be above average in intelligence.

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

But successful investors tend to be not too self-destructive. They tend to be patient, they tend not to follow the crowd, and they tend not to be too guilty about winning.

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

What kind of bank gives back 65 percent-often less-of what you deposit? Indeed, when you compare the services of a bank and an insurance company, common sense suggests something is out of whack.

Hay fever suffers tend to be above average in intelligence.

The industry cannot long offer unneeded or overpriced insurance if people will not buy it.