It's a bad deal for you. It's a bad deal for me as well. If you look at it UBI is the only different way to really buy a policy that's been introduced for years. The uptake in other countries shows that people OTHER than you and me are eager for this sort of policy. However, I'm a shill. I'm clearly biased. This is becoming non-productive, as I said previously. MPI and SGI (in SK) are really quite good at what they do. ICBC suffers from a lot of political interference and raiding of the kitty whenever the corporation shows a profit.