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Comment Re:Who is ignoring history? (Score 1) 578

I am not even sure where you would get that out of any of my comments. States license and regulate the auto insurers but the insurers do not have to have a physical presence there to do business. Most of them even use this new-fangled thing called the Internet to reach many of their potential customers rather than a physical office.

Comment Re:Who is ignoring history? (Score 1) 578

The difference is that auto insurers do not have to have a physical presence in a state to be licensed and sell there. Medical insurers do. Auto insurers can sell to someone in Maine from an office in Oregon as long as Maine allows them to. This opens the door to more insurers selling to a given area, thus having to...wait for it...compete...with an insurer from Florida, or anywhere else. Medical insurers have to have a physical presence or subsidiary in the state where they want to sell. This increases the cost of doing business there, which inevitably discourages many from doing it in the first place...less competition...

Comment Re:Who is ignoring history? (Score 1) 578

You are exactly correct, but you may want to take another look at your policy. The company I am with has zero physical presence in my state, or any other state nearby. State Farm may be an exception, but look at Allstate, Geiko, USAA, esurance and others. They are based out of one location (maybe with a few satellite offices) and can sell to anyone in any state for which they are licensed. They do not have to have a physical presence in that state to be licensed and to sell there. This spurred competition, thus lowering rates.
Education

200 Students Admit Cheating After Professor's Online Rant 693

Over 200 University of Central Florida students admitted to cheating on a midterm exam after their professor figured out at least a third of his class had cheated. In a lecture posted on YouTube, Professor Richard Quinn told the students that he had done a statistical analysis of the grades and was using other methods to identify the cheats, but instead of turning the list over to the university authorities he offered the following deal: "I don't want to have to explain to your parents why you didn't graduate, so I went to the Dean and I made a deal. The deal is you can either wait it out and hope that we don't identify you, or you can identify yourself to your lab instructor and you can complete the rest of the course and the grade you get in the course is the grade you earned in the course."
Image

Study Finds the Perfect Ratio of Attractiveness 176

Gksksla writes "Scientists in Australia and Hong Kong have conducted a comprehensive study to discover how different body measurements correspond with ratings of female attractiveness. The study, published in the Journal of Evolutionary Biology, found that across cultural divides young, tall and long armed women were considered the most attractive."
Image

Australian Politician Caught Viewing Porn 150

destinyland writes "An Australian Parliament member has resigned after admitting he'd used government computers to access porn and gambling sites. McLeay 'gave an uncomfortable press conference outside Parliament House,' notes one technology site, 'during which he admitted he had acted in a standard not expected of cabinet ministers.' Paul McLeay was also the Minister for Mineral and Forest Resources as well as the Minister for Ports and Waterways. In resigning, he apologized to his constituents and parliamentary colleagues, as well as to his wife and family."

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