You get a better deal on insurance as long as you and your friends don't make any claims. This increases social pressure to not make claims, which could lead to bad situations. Secondly, a core idea behind insurance is solidarity with those less fortunate. Segmenting the market could mean higher premiums for the poor.

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A camera that continuously watches your baby's face as you stroll through town. The system recognizes when the baby smiles, and then records a photo and the GPS location.

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