The book wasn't distributed under the CC BY 3.0 license until the Saylor Foundation awarded the prizes. The copyright notice was changed after the prizes were announced. The texts were freed.

There is no chemistry book among the four texts chosen in the first round of the Open Textbook Challenge.

A rhetorical question. The telecoms have accepted billions in government subsidies to build out the internet infrastructure, but now when we, the people, need it, it isn't there. This isn't a game; it's fraud when people take the money from the government for infrastructure and don't provide the it.

Re:

The insurers want information that will enable them to remove expensive-to-insure people from coverage where possible, or at least to put them in a much more expensive pool.

No, they do not. They refuse to audit medical statements made on application for insurance (not minding when they collect your premiums) and then they want this information to deny claims when it comes time for your insurance to pay out when you're sick.