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A financial advisor order tinidazole Because states generally require drivers to have auto insurance, CFA urges states to play a role in prohibiting discrimination in the industry. Brobeck says because education and occupation are correlated with income and race, using the factors can amount to racial discrimination. Another problem is that lower-income individuals are less able to afford the high cost of auto insurance, and as a result, some people go without, which puts them at risk for catastrophic costs in the event of an accident.