Small Risk versus Large Risks in Workmen's Compensation Insurance [Discussion]

The football coach had the chemistry professor on the spot. The university's football star had flunked his chemistry exam and would be lost for the big game of the season. Couldn't something be done? Partisan interest in the game triumphed over official duty. The star was given a special examination, his eligibility was established, he played brilliantly, and the game was won. Later, the coach inquired of his friend just how the football player, whose intellectual attainments were far from extraordinary, had happened to pass his examination. "Well", said the professor, "you know that 50% is a passing grade in cases of this character. I made up my mind to give an oral quiz and to make it simple. Two questions were asked. The first was 'What is the color of anthracite ?' and the reply was 'Red', which was wrong. The second question was 'What is the color of chlorine gas ?' and the answer was 'I don't know', which was obviously correct. So I gave him 50% and passed him". I hope that my attempt to discuss Mr. Kormes' paper will be judged in a similarly charitable manner.