Car insurance premiums grew 3.8% to 5.4% annually over 30 years, compared to 2.4% average inflation rate. Why?

Complex technology and labor required to fix cars.

Costly claims for rising medical bills, increased litigation, severe climate weather damage, and distracted driving accidents from smartphones

The last 3 years, profit is way up from excess cash after post-pandemic rate increases. Before that, profit wasn't great.

I use AI a lot--I love its capabilities--and LLM's in themselves are the result of millions/billions of "averages" or clusters of things that have already occurred.

But I think there's an argument to be made for working from the tails of the distribution from the ensemble rather than the mean.

Humanity (and problem solving through software and computation) has moved forward based on order AND novelty. The mean provides stability. The tails drive change.

So it may be that 1000 iterations resulting in an average plan may still not be the most effective plan.

So $1 billion is about equal to 4 hour hours of government spending.

1) learning how to learn; and

2) using projects to learn

Writing about your experience in learning is also a powerful tool. If you can describe it to your journal (or someone else), you really know it.