Aaah, but it's not just age. It's also technical incompetence. People with Hotmail accounts are probably less likely to do their own maintenance, after all they

Aaah, but it's not just age. It's also technical incompetence. People with Hotmail accounts are probably less likely to do their own maintenance, after all they haven't maintained their e-mail by moving to a provider with functional spam filtering. Their cars are more likely to break down. Not all insurance claims are due to accidents.