It's a lighthearted look at the issue, although we find very little humor in President Bush's violating the Fourth Amendment of the Bill of Rights with his domestic spy program.

The U.S. July renewals will be stunning as they consist mostly of renewing disaster risks, and (rate rises) will be mostly north of 30%, maybe 40%. Not all primary insurers have bought cover yet - they are waiting to get lower prices, but they risk paying more (as the hurricane season nears).

It's not just the progressives and the Democrats but also Libertarians and moderate Republicans who feel that private rights and civil liberties are being threatened by this administration.

When I took the bar I spent 7 1/2 weeks studying in the library every day before that.