Well, I didn't seem to sound harsh, but I am sick of the skyrocketing insurance premiums I am forced to pay on my home and business -- and I've never even had a claim, except for wind damage 10 years ago.
Last year my homeowners' policy canceled me because of peeling paint (we are in the middle of refurbishing the house.) Dumbest thing I ever heard -- we'd been with the company for 19 years.
This year, all of my business insurance has been canceled, and my agent is out shopping for new policies. We've never even had a claim.
The insurance business has taken some major hits because of terrorism and 9/11; and we're all being forced to pay through the nose as a result. Negligent parents who turn their house over to a bunch of rowdies don't help. (And yes, I read that they were not home when this happened. They should have raised their son to be more responsible and to seek more civilized friends.)
Been awhile since you have been, or seen a teenager?