"An insurer could contend that a subscription to 'Hang Gliding Monthly' is predictive of highly dangerous behavior, but I'm not buying that theory: The consumer may be getting the magazine for the pictures, " says Thomas Considine, New Jersey's commissioner of banking and insurance.
But he has a theory of the economy that basically says, if I'm maximizing returns for my investors, for wealthy individuals like myself, then everybody is going to be better off.