There were no jobs created in America from 1945, when the war ended, through 2003. How could there be? Taxes were too high. Preposterously so under Eisenhower, Kennedy, Nixon, Reagan (who left office with a 28 percent rate on long-term capital gains) and Bush the Elder.

Rule of thumb: The more trimmings an insurance plan has and the harder someone is pitching it, the faster you should run.

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

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?

There's no such thing as altruism.

The first American insurance company was the Friendly Society for the Mutual Insurance of Houses Against Fire, founded in Charles Town in South Carolina, in 1735.

It's very nice to be able to be who you are.