As for insurance: there's nothing to be done about it. The insurance cartel in this province is criminal. We almost got public auto insurance in ON a few years ago like they have in BC, and it would've saved us a whack of money, but nooooooo, because the insurance companies launched a massive, high-dollar, successful propaganda campaign against it, even as they were pretending to be cash-starved and poverty-stricken. :roll: