So if they find I'm a good driver, never getting in any accidents, maintain a good distance between myself and other vehicles, don't get any tickets, they'll give me a huge discount, at least 50%, from what I'm paying now, right?

Yes, that's true for me (in England-land.) But conversely when I had a minor claim my premium doubled the following year.

It's called a No claim bonus (or discount). Look it up.

Insurance companies are NOT interested in reducing premiums.

True

Lowered health insurance premiums(ACA) is a lie

Only true while insurance companies are sticking their fingers in the health pie.

A true universal health scheme has no need for insurance companies.

the worst person can't be charged more than X times the best person

and this is the US problem because the worst (least healthy) person probably has the lowest income through all kinds of demographics; but if they weren't unwell they could earn rather than costing (and hence benefit everybody). So in the interest of the Nation's health, why not charge a flat health-directed tax rate on income and take the insurance companies completely out of the loop (thus saving all their administration costs and bypassing their obdurate policies.)

The hope/goal - which is entirely untested -

apart from in most other countries in the world.

Why is it okay to preach universal health-care and group insurance where low-risk cover the bill for high-risk, but the same isn't true for auto insurance?

Because once you've factored out the health-insurance related costs from an auto-insurance claim, what's left is negligible.

In fact, once everyone is paying for their actual risk, you no longer have insurance. You have a savings account with a middle man taking a huge cut.

So get rid of the middle man, and make huge savings - enough that virtually everyone's flat rate is less than their middle-man's risk-adjusted rate. A health scheme doesn't need an insurance company, it only needs doctors and nurses.

I should perhaps point out that the British National Health Service is just that - a scheme to maintain the Nation's health. And a very efficient way of doing that is to make it straightforward (and free) to see a doctor, so people generally start receiving treatment earlier, while they're still only mildly ill.

This is one of the reasons the UK's cancer survival rate is lower than the USA - almost everybody's diagnosed, while (presumably) many Americans without insurance simply die and are uncounted.

The nearest US equivalents to the NHS that I can think of are US Military Hospitals which may not have the swishest of decor, but the treatment is world class.

The researcher did not actually investigate what it is that dolphins do, he thought of what they could possibly do. I would be more interested in finding out if this is actually the technique dolphins use or do they do something different?

Following links to here we find:

"As for the dolphin: while acting as an inspiration for the technology, Leighton and his team later discovered this was not how the animals' sonar worked. Dolphins also send out twin pulses, but theirs vary in amplitude, not polarity, he said."

ICD = Implantable Cardioverter Defibrillator

Pacing - a series of low-voltage electrical impulses (paced beats) at a fast rate to try and correct the heart rhythm

Cardioversion - one or more small electric shocks to try and restore the heart to a normal rhythm

Defibrillation - one or more larger electric shocks to try and restore the heart to a normal rhythm

So let me get this straight - if you and your entire family were offered lifetime VA healthcare with zero co-payment charges, for less cost to you than your existing healthcare plan, you would refuse it ?

In England restaurants and bars which sell alcohol are legally obliged to serve free tap water to their customers.

Oh good, now I can make a back-up fingerprint in case I lose my finger...

No, because you've forgotten that there are two tritium atoms to a molecule, and you're assuming all the tritium atoms delay in the first year; the halflife is twelve years so each year 0.94 remains (since 0.94 ^ 12 ~= 0.5). So you're out by a factor of eight or so, I reckon.

According to your reference, they measured the time taken to dial using the 7-8-9 and the 1-2-3 keypads, and the 1-2-3 was slightly faster: "arrangement I-A had an average keying time of 5.08 seconds, and arrangement IV-A had an average of 4.92 seconds." which is pretty much the point of the article: they measured this stuff.

Belize isn't a typical Central American country. It's a member of the Commonwealth with Queen Elizabeth as the Head of State.

"The structure of government is based on the British parliamentary system, and the legal system is modelled on the Common Law of England."

Here's the US Department of State's view.