The first is easy; I'm a terrible driver. I know this because I just finished a road trip with my 34-year old son who is also my insurance agent. His critiques aside, even I noticed it. I drive like an old man. (Well, I'm 62!) I run over curbs at the drive-through, miss exits, take my attention off the road while I fiddle with x (x can equal radio, CD, GPS, etc), get befuddled about which way I was going before I exited for gas, start the car even though it's already running, etc