1. Mr. Smith and Mr. Jones, both twenty-eight, have the same educational and income levels. Mr. Smith has one speeding ticket and a credit score of 600. Mr. Jones has a clean driving record and a credit score of 750 (the higher the credit score number, the better; 850 is perfect, 550 would have trouble getting a loan). Who should pay more for automobile insurance? 2. Upon investigation, you discover that Mr. Smith's credit score is low because his wife recently died after a long illness and he has fallen behind in paying her medical bills. Mr. Jones's driving record is clean because he hired a lawyer to have his many speeding tickets reduced to non- moving violations. Who should pay more for auto insurance? 3. Considering the clear correlation between credit scores and losses, is credit scoring discriminatory