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you already see health insurance programs where they try and incentivise you towards behavior that promotes heath. there is one out there that covers gym fees if you attend a minimum number of times per month.
One of the potential next steps could be tailoring of your premium based on DNA profiling. In principle its no different to Aviva tailoring your car insurance premium based on recorded driving activity.
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Serious question... how big do you guys want us to go?
Ok so this is the way I am thinking about a possible investment. Its high risk and therefore needs to have the potential to deliver high rewards - to deliver those rewards you probably need to aim big.
If you stay conservative in your approach, the margins between delivering a viable business and failing are small,. Conversely if you go for the big vision "We are going to control 90% of the widget market" and the end result is you control 25% of the widget market, you haven't reached your goal but you have dleivered a viable business. So I think aiming big widens the range of non-failure outcomes for Microco.sm - beneficial for you and your investors.
The difficult bit is that if you aim big, the investment thesis has to be credible to grumpy due diligence professionals like me.
So if you can substantiate the big vision and show comparables / market research / whatever else that supports going big, I would do it.
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Would you be interested in some form of part exchange? I have an XL Allez Elite frame that I could throw in. Possibly some other geared parts