This morning I caught part of a segment done on National Public Radio that included comments on the value of GPS tracking on auto's being driven by teenage drivers. Think of where FOLO fits into this picture: 17 yr old boy wants to use family car (with or without permission). Safety is a big issue...car's worth $30k...kids like to party...parents worry...GET THE PICTURE! Bet the insurance companies would be happy to adjust rates if FOLO was being used. BUT...it seems these plus factors are not being considered until the AF's and order confirmations, etc. are produced. I guess patience really is a virtue.