The incentive is NOT to make the most money. It is to charge just enough that there is very little room for a competitor to slip in a lower premium for the same protections. Thus, if you are deemed to be an expected cost is $1K/year driver then your premium should be about $1.1K a year to leave them some protection against the high-side risks (protection they usually get through re-insurance, but that's another concept and we don't want to overload the wet-ware circuits). Conversely, if you are deemed to be an expected cost is $10K/year driver then your premium should be $11K a year and I bet they just hope someone else comes along and offers you a better deal.
But "increasing the total sum they get from premiums" is not even a first order approximation of the TWTWW (the way the world works).
This list is not supportable by either party, which makes me think it could be the best set of trade-offs ever. The only improvement would be if estates of everyone who died were taxed at a rate that paid off their (proportional) share of the national debt that they let get run up on their watch (without regard to which party incurred it). Might make those 20-somethings think a little bit about how much debt they wanted their cohort to put on the books.
"You can make a Slashdot signature quote seem authoritative by attributing it to a famous person" - Sun Tzu
Citation? My references attribute this to Buddha.
A coffee shop in Estes Park, where I wrote code that had to be modemed back to Minnesota using an old 4-prong phone connection (had to find a converter from the new-fangled RJ14 plug).
2. What is the most unusual circumstance under which you have written a program?
Using an HP9825 to emulate a TI59 so I could more quickly develop the program.
3. What is the most unusual computing platform that you wrote a program from?
Probably that same HP9825, a calculator with a card reader, a pen plotter and an 80-character display (that's right, one line of code visible at a time).
4. What is the most unusual application program that you wrote?
Not really an application, but I once wrote a Monte Carlo simulation to answer the question, "how long after a [specified] nuclear attack would it be until the radiation on the ground would have dropped far enought to allow the Russians to force workers at gunpoint to enter the area if they only needed the workers to function for 15 minutes?" Had to do that one on an HP41C.
In that light, dogma now says that humans are causing global warming, the science is "settled" in that sense. Evolution is also at the level of dogma.