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Sean tries to guess the definition of moral hazard, and then he and Elias discuss types of German insurance, gaming the insurance system, and judgmental data. Links and Show Notes Moral hazard - Wikipedia You know you have been living in Germany too long when... - Expat Gone Foreign 15 German Insurances made easy-peasy P - Expat Gone Foreign Humans of New York (@humansofny) Shivani Siroya: A smart loan for people with no credit history (yet) | TED Talk TALA Joe Rogan Experience #1169 - Elon Musk - YouTube Breadcrumbs - @breadcrumbsfm Sean - @splunsford Elias - @muffinworks Jingles excerpted from "Halo-centric Hang/Halo improvisation" by Aaron Ximm. Licensed under a Creative Commons Attribution-Noncommercial-ShareAlike 3.0 United States License.