In one study, doctors were given a list of ailments from a hypothetical patient and also given a misleading piece of information—that the patient had been diagnosed at another hospital as having lupus. Half the doctors had gratitude evoked by giving them a token of appreciation. Those who did not receive a token of appreciation were more likely to stick with the incorrect diagnosis of lupus; those who did receive the gratitude were energized to expend more energy and to pay their gratitude forward onto their patient. They also considered a wider range of treatment options.
Overall a good article. I work in the insurance industry (at State Farm) and can attest to most of what your saying is correct. One of the major factors that has affected insurance premiums for all carriers is the improvement in the technology added to cars and the cost to fix it. If you think about it those rear end camera’s take a lot to replace and sometimes insurance companies will claim your car as a total loss because it’s cost efficient. With the rise in claims and cost to replace advanced vehicles technologies, unfortunately insurance goes up for everyone.