[lief79]

Deer are common in many suburbs.

[s1artibartfast]

Then it seems reasonable to charge people who live in those suburbs more.

I think they key sticking points are 1) Why isnt aggregate claim data good enough for this purpose? 2) Do we prefer erroneous risk estimation from bad personal profiles over erroneous risk estimation from group averages.

[WarOnPrivacy]

> Deer are common in many suburbs.

My sister lives in a dense area of a major city and sees pest deer every day.