 So instead of recording only accident and performance data, today's cars are equipped with something called EDRs. Yes, EDRs, event data recorders. And they keep track of just about everything. It knows when you're speeding, hard braking, rapidly accelerating. It automatically and wirelessly reports everything to data brokers like Lexus Nexus. And this data is turned into your driving risk score that is sold to your insurance company, which is then going to use this to what? You're so smart. Raise your rates.