[smileysteve]

the "the house is burning down and firemen will die" discount,

along with

the "oops I dropped the hair dryer in the sink and died without ground faults" discount

Or the "the microwave blew a fuse that killed my work computer, so I lost my job" discount

the "the pilot light doesn't work well, so carbon monoxide" discount.

The "stairwell is only loose here" discount, "the deck is fine for 2 people to stand in that corner" discount

We should have higher standards for "investment" operations than 30 years out of safety standards