My pleasure, I found it very interesting as well.

There's a fascinating article about how the real story here is exactly the boys and their culture.

Apparently I'm unlinkable but search for "Where’s the Pacific voice in the viral ‘real Lord of the Flies’ story?", found on the Global Voices site.

Car insurance pays a high percentage of the premium as claims, not commissions / profit / etc., so they are more likely than, say, title insurance, to really dig down and find the factors that influence payouts. It's still hard to believe that a DUI outweighs the risk aversion that presumably produces a perfect credit score. I'm sure the actuaries know what they are doing.

Last weekend I walked for 7 miles / 11 km in NYC and thoroughly enjoyed myself. However, I can see it getting annoying if I lived there. The "Times Square" area seems like it goes on forever.

The term for such a walker, omitted from the article, is flâneur / flâneuse.