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[–] Guy_Justsome ago 

...as should niggers; and in the U.S. they do.

While acturarial differences by sex are often defeated by politically motivated regulatory intervention, racial differences slip past the taboo when insurance companies adjust rates according to postal zip code.

It's that way because the legistators making rules are mostly male - therefore pro-sexual equality in insurance rate adjustments that will lower their rates, and mostly live in all white zip codes - therefore in favor of free-market adjustments that let them enjoy their neighbors' good driving records.