Oh sure - to be clear, the "better insurance to boot" was just my paraphrasing of the author. I fully agree with the idea that it is hard to directly compare wh

Oh sure - to be clear, the "better insurance to boot" was just my paraphrasing of the author. I fully agree with the idea that it is hard to directly compare whether a particular insurance in 1987 is better or worse than a particular insurance in 2017, for just the reasons you stated.