10. At least one state (Montana) has enacted unisex rating legislation. Under this legislation, an insurance carrier cannot use sex as a parameter in its automobile insurance risk classification system. Make a case that this legislation could create an insurance availability problem for young males. (4 pts.) 11. Participation in a social insurance program such as Medicare or Social Security Disability is compulsory; purchase of private insurance generally is not compulsory. Given that private insurance generally is not compulsory, why is social insurance compulsory? (4 pts.)