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?

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.

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

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.

One of the advantages of the book's having been out there for more than a quarter century is that there's been time for people to report back on what it's done for them.

In short: Readily available low-cost life insurance would be a threat to the industry, and whatever threatens the life insurance industry threatens America.

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