"One of the key purposes of the grant was to make this research public, " says Rebecca Freeman, a 26-year-old doctoral student in the Department of Geography and Environmental Engineering.

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He was previously Head of the Department of Geography at Royal Holloway, University of London between 1999 and 2001, and has also served as Honorary Secretary of the Royal Geographical Society (with The Institute of British Geographers) (1995-1997).

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The maps were created by Ali Modarres, Chairman of the Geography Department at California State University, Los Angeles.

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And Gruber never explained that these were base rates and did not take into account the uplift for age, geography, occupation and whatever else the Department of Insurance would let Blue Cross and Tufts get away with.

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