people like garret holt who runs the compa and collected data from 14 million drivers. gary is a leading expert in the field. he got his start at the minnesota department of transportation. thanks for being with us this morning. >> thank you for having me. >> you said that you would like to score every driver by 2025. how are you getting my data and you are able to do that? i don't remember telling you that you can have it? >> there is a lot of ways to get the information, the company has been collecting data, starting out the bigger picture. if you think of big picture of ris risky driving. you know the driver in front of us that's a bit aggressive and we are concerned of unsafe but we don't know how unsafe it is. we start getting data from people opting in and they would opt into share data with the company. the way insurance used to be priced -- >> it could come from your phone and device that we give you on your>> so i get off of work at 0 and kocome to a no-way stop, yo know i am doing that. >> you are making a little grounding in that side. the important aspect is