Actually, SC, I thought about that when I wrote this line. I agree with the larger point, but in my specific community, which is adventure travel, the people who engage in this kind of activity don’t fit the same risk profiles. That particular travel agency, World Nomads, actually specializes in that kind of extreme adventure travel. In that lane, the parameters are different. Men and women like me who are in our late sixties and seventies and old who are out doing what we do, are not only far more careful in our endeavors than those a third our age, but we are also in remarkable health. In those ways we are actually better risk profiles that those a fraction of our ages. That reality hasn’t always caught up with those who are writing the policies.

I don’t disagree with you at all, were we using the general population as comparison. In this particular case we aren’t, but I think it’s fair to say I probably should have done a better job of clarifying that. I have to head out and run first but will look at how I might better explain myself. Thanks for your comments.