Deano6

You set up an insurance company on that basis and I'll set up an insurance company allowing any risk factors I want and let's compare profit margins in 5 years time.

^ | | └-------- I agree with this guy.

From the recent meeting of fans with Lampitt on 23rd Feb... http://www.pompeytrust.com/index.php?option=com_content&view=article&id=241:fans-meeting-at-pfc-230211&catid=34:demo-category HTH

Dean Richards, number 6. One of my absolute favourite footballers of all time. Such a dominant force at the back, terrific in the air. So sad to die so young. RIP

Sorry Timmy, you're wrong. Women drivers are statistically lower risk than men (remember that includes not only how often you have a crash but also how much it costs when you do). Of course driving more miles will increase your premium, as will other relevant risk factors such as having a more expensive car or parking on the street instead of a garage, but if all other variables are equal women drivers have a lower average cost - it is not parity.

Yes, they are fundamentally completely different. With a job you are being employed to come and do a day's work, and are compensated accordingly. Two people who produce the same output should receive the same compensation, and it is unfair if they do not. Now you are right that in the long run a female is, all things equal, going to cost more than a male due to maternity periods, and so its in an empoyer's interests to hire the male (or equivalently to pay him more for the same role), but since they are doing the same job it seems fair that this should be prevented - hence the legislation. However insurance is different. What is insurance? It is the transfer of risk - swapping an uncertain cashflow stream ("will I pay nothing or will I pay a lot?") for a more certain cashflow stream (the premium), at a price (the profit loading). There is no product or service being exchanged, it's simply swapping money. So the key to a fair transaction is knowing what the "value" of the uncertain cashflow is, so you can properly price the premium. To value the uncertain scenario the insurance company models the average amount you, or someone exactly like you (ie with all your characteristics), are likely to cost them. How is this done? By looking at a huge sample of the population and applying price differentials for every characteristic that's deemed to be a true risk factor. If one of those happens to be gender, so be it. To not allow a statistically significant risk factor is to not allow the true fair value to be determined. This means some people (males) will be making a profit on an insurance contract, on average, while others (females) will be making a loss, on average, just because of the gender they happened to be born as (not sure how transgenders are treated to be honest). That is unfair and should be prevented. In reality, if gender is disallowed, insurance companies will end up trying to pick another characteristic which isn't itself a true risk factor, but can be used as a proxy for gender (pink cars, renault clio, typically female occupations). However as this is only an approximation it just won't be as good, and as someone mentioned above the less statistically robust it is the more it ends up costing everyone. In my opinion, absolutely yes. And why pick on gender? Is it ok to be rated the same way as other drivers who happened to pick the same make of car, happen to live in the same area or happen to work in the same occupation? After all, we are all individuals. Or are we...

The "fair" price that a person should be charged is what he is expected to claim, on average, plus a small loading for the insurance company to cover expenses and profit. The methods insurance companies use are done to get the best estimate possible of what that average cost is. It is not "unfair" that they choose gender as a factor, its simply part of the process to best hone in on what the "true" price should be. It's not that someone somewhere is deeming that males should be punished for their gender - they are simply likely to cost more. What is unfair is to introduce this legislation and force some people to pay more than their fair price, just because of what gender they happen to be.

"...if however you were attracted to the red and white stripes because you're a Stoke fan, you may like to check out our 2003-06 section.

There was a similar ruling in Sweden a few years ago whereby they could only charge differential prices between genders if the insurance company could prove there was statistical evidence for the disparity. Caused them to hire consultants to do a study and show that there is indeed a difference and everyone moved on as before. I wonder if the same will end up happening here.

When he needed a neighbour were you there? Were you there? No, you weren't. When he was hungry and thirsty were you there? Were you there? No, you weren't. You were there when he was cold and naked though, you dirty pervert!

Sorry to have to break it to you, Turkish, but those are obviously Deppo's footprints. Look closely. See how those footprints have that wavy tread pattern on the bottom, just like his docksiders? If they were yours, they'd make welly marks, like the footprints next to his a little farther up the beach when he was going through better times. See the footprints at the time of his divorce? You'll notice that the welly footprints drift off from the docksider ones. They lead to that picnic bench over there, the one with the cigarette butts scattered all over. It appears that in his darkest hour, instead of carrying him, you sat on a stump and had a couple of smokes. Real helpful, Turkish. Real helpful. Sure, the welly footprints came back when he got that big job promotion, but right at the point where his son Tommy died, they veer off again. Actually, now that we look again, it seems like there's an unusually large distance between each of the welly-wearer's footprints around the time of his son's death, as if the person were actually running away. I'm sorry, Turkish, but your whole story about carrying him during his worst moments just doesn't gibe with the facts. Besides, you'd certainly think a person would remember being carried by a member of a football forum he's never previously met, right? That's a pretty memorable thing, wouldn't you say? Well, either he's got amnesia, or you're a liar, because he doesn't recall ever being toted around by some mouthy stranger. The only thing he does remember about the worst moments on the path of life is the horrible feeling of plodding along the cold sand all alone while icy rain fell in sheets and chill winds assailed him. So, on behalf of Deppo and the rest of this forum, thanks Turkish. Thanks a bunch. You were really there for him when things got tough. Asshole.

3 clubs in 17 years, one of which for for 12. That's some journey!

You're so concerned about this info getting into the public domain that you restarted a thread about it, digging up "news" from September!

Do they still give an ice cream to the winning donkey?

Congratulations Deppo, not a duff post between them. I wasn't asked to nominate, for some reason, but would have given you my vote.

Presumably he'll be getting great stats on Football Manager then?

Or like all away fans do at St Marys these days.

I think Alex Oxlade-Chamberlain is the better player right now, but if Lallana keeps plugging away and speeds up a bit then he could overtake him one day.

Anyone remember this kid who used to play for us? He's 32 and playing for AEL Limassol F.C. in Cyprus, where he hasn't scored a single goal in 16 appearances. Wikipedia has this to say about it, wonder if he wrote it himself...

Were you drawn to this thread by the words Gay Bash?

That was Stig alright! Always a great leaper.

Phwoar! What a stunna!

Well I'm 6'4 and it fits me nicely!

I own Stig Johansen's shirt that he wore in the 1997-98 season. It's a large. I won it after being circled in the Echo after the last home game. They gave out the first team shirts to people randomly photgraphed across the stadium and then the 5 subs shirts to 5 faces circled in the Junior Saints section. I was one off getting Kevin Davies' - this being the year he was awesome for us - who was also sub that game. He was brought in off the back of Egil Østenstad having a great year for us the previous season and started one of the early games up at Old Trafford. He struggled to break into the first team thereafter but showed his class ending up the top scorer in the reserves that year!

Oh FFS, I am not posting from Winchester and its really frustrating to me that the rumors persist. I love New York and am over there right now, so give it a rest!