“See For Yourself”

The ability to see clearly—to form your own hypothesis about what’s actually in front of you, independent of what you’ve been told to expect—is the foundation of everything else in this book.

Auto Insurance Chaos in California

In November 1988, California voters changed the rules of the game in the automobile insurance industry. In passing Proposition 103, they decided, among other things, to vote themselves a 20 percent reduction in automobile insurance rates and to remove the insurance industry antitrust exemption.