Consider any or all of these items: Do you always obey the speed limit? Do you get a regular physical exam every year? Do you ever leave your home unlocked when you are away? Do you always pay your bills on time? Do you always wear your seatbelt? Would you ever consider sky diving or hang gliding or bungee jumping? Would you buy a junk bond? Would you borrow money if you knew you might not be able to pay it back? ….. Are you a risk taker?….