I wasn't trying to convince anybody of anything. I was just stating my opinion. Frankly, I agree that the aging obese population contributes greatly to high premiums and greater health care costs. But I'll never be able to get some lard ass to hop on a bike and watch his diet, and I won't try. They'll make their own stupid decisons, too. Do you take your chances in the dark without a light on the road, too? Or does the fact that you don't live under my roof and have excellent insurance make you feel good about not using a light, as well.