[eastbound]

Many countries have the driving license at 16. In France it’s accompanied by a parent; in USA it’s the full driving license (I’ve learnt at 13 and never had an accident for 30 years). 16 is ok if you withstand peer pressure.

[pempem]

Insurance and actuarial science is some of the most data-drivenwork we have. It is incredibly hard to withstand peer pressure and there is not much wrong in admitting what the data has already proven.