If the boni and mali do not depend on the frequency of claims, the average bonus-malus coefficient increases with the frequency.

At times, it seems as though all flowers are D. Y. C.'s, but these brash newcomers of all colors account for […]

Environmental concerns were a neat excuse for the industrialized nations to pull the ladder up behind them.

Sometimes I ate food that the rats had already mouthed over; picking away the edges where they had been eating and using the remainder; not with any good grace, not without qualms; but because I had nothing else to eat.