My auto insurance business prices people according to their driving (and other behaviour). One of the really key things in determining driver safety is what we call "magnitude of input": sa… (View Post)

Never attribute to malice that which might otherwise be explained by stupidity. UK universities were dying to take foreign students (which they could charge large fees). This meant that the UK govern… (View Post)

The fundamental problem is that governments don't work like successful private companies. My company runs on a principle of incrementalism: what in the next two weeks can we change that will mak… (View Post)

I will note one utterly ridiculous thing about the US system. When we did it, we needed to book individual interview for myself, my wife, and our two kids. But they also all needed to be at the same … (View Post)

Worth noting that Australia has about three entirely different immigration systems! They have specific work visas by type (i.e. we need to import 5,000 plumbers, so we will issue 5,000 visas to plumb… (View Post)