ubrayj is a 2nd order classy guy.

0th order class - saying please and thank you and all that jazz
1st order class - 0th order class plus observing others needs and being considerate of those . . . hold the door for people who need it, but when the little kid wants to hold the door for his mom and the stroller, let the 50lber hold it.
2nd order class - 1st order class plus when you make mistakes in the application of 1st order class, addressing those mistakes openly, and adapting your future behavior to prevent similar mistakes

What is 3rd order class?

I share Fred's point of view about the use of words like "fag", "nigger", and "chink" - but I definitely see your point. I laid on the slurs a bit heavily there, and it didn't neccessarily help with the satire.

I'll check myself before I wreck myself next time.

That's fine for South Park, I am just very disappointed hearing it from someone on this blog...this isn't South park, it's about something much more adult than that.

So lets move on.

But keep in mind, I'm a South Park Conservative and a student of Penn & Teller's Bullshit.

here I will give you a new way of seeing it.

"When people are humiliated into riding their bikes, and totally niggering out, State Farm is there - to offer you a way out! Stop the niger-sanity! Buy their cheap policy so you can fill your gas tank for one week with the savings.

You home bike niggers are over reacting."

So ask yourself, is using the word nigger needed to convey a satirical point of view?

Especially if you aren't black?

When I say "people are so goddamn sensitive" I'm referring to people in general.

When people are humiliated into riding their bikes, and totally fagging out, State Farm is there - to offer you a way out! Stop the queer-sanity! Buy their cheap policy so you can fill your gas tank for one week with the savings.

You home bike queens are over reacting.

Chill. State Farm is there (to scare you away from rational decisions).

Screw 'em, they'll never see a dime of my money.

I live in LA and I don't own a car, but once every month or two I'll rent a car for a long weekend to go out to the desert, or the Sierras, or to visit family far afield, and the insurance costs are always greater than the actual rental costs (Enterprise has great weekend specials). I would LOVE to have a pay-by-the-mile or pay-by-the-day insurance plan that only covered me while I was actually in possession of the vehicle, or umbrella liability insurance for those of little means. I have a perfect driving record. Paying $23/day for insurance on a $15/day rental car seems insane.

It would also be great if I wasn't penalized by the insurance company for not having continuous coverage through the periods in which I don't have a car at all (if, for some reason, I were to be forced to own one in the future). I still have a driving record, and I'm insured when I drive, don't punish me for not driving all the time.

I've also fought with insurance companies (and the Colorado DMV) over whether it's possible to both own a car, and not drive it. I had a vehicle when I lived in Boulder, but I only used it once or twice a year for backcountry trips. I wanted to register it for non-operation for most of the year, and not be forced to pay for insurance on it, but somehow that was a legally inconceivable situation to the state and the insurance company. If you own a vehicle, you must be driving it all the time in their minds.

When I'm hit by a car, and I'm injured, I'd like to not have to fight with the insurance companies over who is supposed to pay my medical bills. I have health insurance, but if the medical costs are the result of a vehicle accident, they want the car insurance company to pay. In the meantime, I'm screwed.

Many people who have significant savings buy what's called "umbrella insurance", which protects them in the case of something happening that creates significant liability, like someone getting hurt while visiting their home, or hurting someone in an auto collision. But this insurance always requires the holder to already have auto insurance as well, which provides some liability coverage and the umbrella just adds more liability.

But what if you don't own a car and thus don't have auto insurance? Most insurers don't know what to do. A couple will write a special auto policy without there being an actual car to insure, but even then the person getting the insurance is paying for auto insurance even though they don't drive.

The insurers should create a special type of umbrella insurance for non-auto-owners. It could provide the same liability protection, including anything that might happen while borrowing or renting a car, but take into account the fact that the non-car-owner probably drives extremely rarely.