There is a bit of a giant ominous nanny: insurance companies create a lot of the procedures that are practiced around us. And in a world of passing the buck, a

There is a bit of a giant ominous nanny: insurance companies create a lot of the procedures that are practiced around us. And in a world of passing the buck, a lot of people want to insure their civil liabilities, so now our world is directed by people in suits working in high rises.