Once you gain proficiency, you also lose perspective. You go on autopilot—I’ve got this covered; I can even check my phone while behind the wheel, I’m that good. You forget that what you’re doing is actually exceptionally difficult, and how much chance is involved. That, of course, is when you’re most susceptible to bad luck. Car crashes happen most frequently near your home for two reasons: the first is simple base rates—you drive more frequently in your home area—but the second is comfort—if you’re going on autopilot and texting anywhere, it’s in the places that are most familiar. The trick
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