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>that took a weird turn

Well, you turned first. Here we are all talking about racism, and then you claim age inversely affects driver risk. In context, I thought you were somehow trying to convince me that circular reasoning and appeals to authority ought to dispel any doubts I have about the validity of racism, but it sounds like you were trying to say something else, and I could be doing a better job of understanding what you are trying to say.

>unless they are lying

They may just be ignorant. Maybe someone else lied to them and they are just parroting the lie. Remember, the people who price insurance exist in a world where polygraphs are admissible evidence in a U.S. court of law; misconceptions are everywhere and I think we must be cautious, lest our generalizations be hasty.



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