Credit scoring debate continues In regard to Bart Anderson's March article, "Credit scoring: Tough to explain, hard to beat," if credit scores are such an accurate predictor of risk, why do most companies just use the rating of the first named insured? It seems that all insureds' scores should be used to evaluate the exposure to loss. Or perhaps credit scoring is just another tool to permit insurance companies to price as they desire. Mike Scott, CPCU, CIC Cincinnati, Ohio

Overture parallels life Chris Amrhein wrote a great article on Tchaikovsky and risk management ("Want fireworks? Make like Tchaikovsky," AA&B July 2010). My father was (and still is) an audiophile who had so many LPs (and now CDs) with the 1812 Overture performed by various symphonies. The one thing that always held true was that the volume was cranked up all the way and the house literally shook when the cannons went off. Every gent whom I dated was subject to at least one audience with my dad, his sound system and that piece of music. A fond memory, indeed.

My dad is not an insurance guy, but he's a smart guy, so I e-mailed him a copy of the article. I know he'll understand the parallels that you drew, and more than that, I am sure he will appreciate them. Thanks again. Wendy Gable, JD, CPCU Folsom, Calif.