The key word to remember about insurance is statistics. The Quotes Chimp breathes, eats, and bleeds statistics. Minutiae that would cure the worst case of insomnia for us, such as the number of people who have had a home fire in a given town over the last 50 years due to smoking in bed, is the stuff of which dreams are made to the dedicated insurance executive in charge of fig?uring out what to charge for insurance.