I forgot to mention something about driving in Canada. Wolf and Dave told me that Canada has "no fault" driving insurance. Basically, if there's an accident, nobody was at fault. The insurance companies work out who pays what, but, since it's never anybody's fault, insurance rates don't go up on a per-accident basis, and you can't sue anybody civilly. It's a terrible system. For one thing, it means people don't have to shoulder responsibility for their actions. (Denial of responsibility is a rampant social disease today as it is.) Insurance rates are set up so good drivers don't get lower rates and bad drivers don't get higher rates -- good drivers, instead, subsidize the accidents bad drivers have. I have to wonder if the lunatics I encountered on the road *wanted* to crash into me. In the U.S., if you run into somebody, your insurance rate goes up. In Canada, apparently you just get a new car.