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Message: <blockquote data-quote="Krieg" data-source="post: 1301702" data-attributes="member: 5282">Individuals in the 16-22 (especially males) are far more likely to participate in "reckless" or "dangerous" behavior. Unprotected sex, reckless driving & other acts that are considered dangerous or risky are far more prevelant within this age group (actually it should be pushed out to age 25 or so) than in older populations.Insurance rates for individuals in this range are much higher primarily due these tendencies. At 22 an individual has been driving for 6+ years and can hardly be considered inexperienced as a driver.A young adult is far more likely to downplay the consequences of personal behavior than someone in their 40's.As to the bearing of intelligence on this issue...In the early 70's when the US Military was struggling with the move to an all-volunteer force, the DoD commisioned a ground breaking study regarding human behavior & it's interaction with combat. They discovered that individuals who won personal awards for valor (Bronze/Silver Stars, Distinguished Service/Navy Cross, MoH etc) were far more likely to sigifinigatly more intelligent than the norm. Conversely individuals convicted of cowardice, dereliction of duty or dessertion tended to have lower than average IQs.</blockquote>