An Editorial/ Providence Journal, The Providence Journal

In most northern U.S. states, gas companies are not allowed to shut off their customers' service in the dead of winter. But if you are Ukraine, and your gas company is Russia, you have no such protection. (Georgians will testify to just how tough the Russians can be.)

One motorist drives 5,000 miles a year. Another car owner -- same age, gender, driving record, vehicle and neighborhood -- puts in 15,000 miles. Now, why should the first individual pay the same for car insurance as the second? After all, the more miles one drives, the greater the risk of accidents and the greater risk to the insurer who bears the cost.