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Focusing my attention on the long-term effort of piloting an automobile was work, and, hey, work was the last thing in the world I wanted to do

E-Cig Battery failure: Despite being marketed as safer for consumers than traditional cigarettes, e-cigarettes and vaporizer kits powered by batteries can fail and explode or catch fire

The industry's long-term structural headwinds declining per-capita gasoline consumption (down 4.5 percent from the 2018 peak despite 18 percent population growth), rising EV adoption (8 percent of new vehicle sales in 2024), and improving fleet fuel efficiency (28.1 MPG for the 2025 model year, a 43 percent improvement over 25 years) argue for conservative underwriting of fuel volumes over a typical holding period