There are so many books. It is strange that this one gets so much attention.

Why would a person want to be trusted to not do drugs?

Is this some Mormon cia challenge that the drugs are preventing me from understanding?

This can also be easily done with css frameworks like bootstrap or flexbox.

I don’t think an aggregate risk model makes sense for something like car insurance where personal behavior has such a huge impact on payouts.

Health insurance where insurance is a necessity and choices do not necessarily impact risk is where aggregate works better.