Still have an avatar issue

[infernalis]

If that only were a rule.

That would be wishful thinking...

That is why MOST peoples insurance rates go down as they age, a 45 year old driver will for the most part not take the same risks as a 20 year old driver.

Banks are far more keen on loaning a middle age person money than a young person, Here in the US college loan default is at a very high rate.