 just to scare you a little bit but this is interesting and I'm curious what you think in terms of how you think this would happen, what do you think would happen here in a free market? It turns out that your auto company, right right now that every car that you drive has a chip in it, that chip is monitoring your driving behavior. It knows what speed you drive, it knows when you brake fast, it knows how you take corners. It's monitoring your driving, it monitors the engine, it monitors every aspect of the car, how far you drive and that information is provided to the auto companies. That information is provided to General Motors or Ford or Toyota or whatever and those auto companies then sell that data to a company called Lexus Nexus. Lexus Nexus is a data aggregator global data broker. It used to be a legal search database but the internet has made that irrelevant so they've shifted to being this global data broker and all this data goes to their risk solution division and then Lexus Nexus sells this data to the insurance companies, auto insurance companies and then auto insurance companies use this data to assess how risky of a driver you are and based on that they will adjust your premiums. So if you notice that your premiums are going up a lot it could be because you've been driving fast, you've been stomping on the brakes really really hard, you've been accelerating really really fast and they have accurate data to suggest all this. Now there's something really rotten about this, something right about it and something very rotten about it. What's right about it is yeah insurance companies are really interested in this data, insurance companies I mean it's great if they can really price insurance based on the real risk that you're driving poses. It will actually make insurance ultimately the long run for most of us particularly for safe drivers more affordable. So this is rational and logical from the insurance perspective. It's actually good for all of us in the sense that insurance premiums will actually reflect risk much better than they ever have. But on the other hand I don't remember giving permission to use my driving data for this purpose. I don't remember giving permission for the auto company to accumulate this data and then to sell it. There's something really wrong with this assumption that data can be bought and sold, transferred, taken and that the individual whose data it refers to has no say in the matter. Like maybe we signed when we bought the car some form just allows the auto company to accumulate all the data once on us but something's wrong with that. Generally contracts today suck and are non-objective and you can tell they're non-objective by the fact that they're so long and so complicated nobody reads them. Contracts particularly consumer contracts should be written in plain English should be short and simple but we have a legal system that is perverted and distorted the whole area of contract law and of course as one of the consequence of this is that privacy is completely eroded, distorted, perverted and they think they can just take out data and do whatever they want to do with it. There's something very perverse about that. There's something very very wrong about that. So if the auto company asked me whether I was willing to have my data sent to the auto insurance company I would say yes but then you've got a moral hazard problem that is good drivers would send all their auto information to the insurance company but then what would happen which is interesting right? The insurance company would then take that into account and if you refused to share the data with them they would raise your premiums because they would rationally assume that your reason you didn't want to share your data with them is because you were a risky driver and you didn't want your premiums to go up. So they would go up anyway. So actually making this voluntary and making and allowing individuals to decide whether to share the data or not actually allowing individuals to own their own data and then contract it out, sell it out instead of what is probably going to happen is some kind of legislation that says one way or the other would actually create a healthier better use of data and a healthier better kind of relationship between insurers and for all you know basically for how all of this actually works and ultimately that means lower premiums better service the whole shebang