Drunk with power...er beer.
Join Date: May 2010
Location: Vancouver, BC, Canada
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So uh...who gets to decide what risky behavior is?
No idea what I'm stepping into here, but to answer the actual question: the actuarial tables. There's more than enough statistical data to identify risky behaviours. In fact insurance companies use it all the time. That's why smokers get a lower rate (among many many other examples).
Coffee is your friend. Everyone else is an acquaintance.