[chrisplotz]

Thanks for the feedback, that's not my intention. We're definitely not claiming we're the only innovation in 100 years.

However the environment those companies started in is gone. Insurers went in and out of business all the time in the 1920s and 30s, it's the survivors who are left (I think it really is amazing how many of the top insurers started in the 20s and 30s!). It's good there's more regulation and safety for insureds.

It does mean though we have to work in the current framework to get things done - the companies of the 1920s can't be started the same way in the 2020s.