“What’s different here is the focus on the proxy when far more relevant data is available. I cannot imagine a more meaningful piece of data for auto insurers than a drunk driving record. It is evidence of risk in precisely the domain they’re attempting to predict. It’s far better than other proxies they consider, such as a high school student’s grade point average. Yet it can count far less in their formula than a score drawn from financial data thrown together on a credit report (which, as we’ve seen, is sometimes erroneous).”