I think I misunderstood the point of your argument. at first I thought you were specifically singling out car insurance as being unfair, which seemed odd to me,

I think I misunderstood the point of your argument. at first I thought you were specifically singling out car insurance as being unfair, which seemed odd to me, as it seems pretty close to WAD to me. if you are just using it as an example of a misleading dataset, we are probably in agreement.