Right, panic is pure emotion, fight or flight, hard be rational in that state. Covid19 is "sobering". 100 years since the 1918 flu and we still aren't ready. Even with the billions we spend on health care.
There was a comment on HN a few days ago basically saying, "what's wrong with panic, maybe we should be panicking" and I just found that comment frightening. We mock all the "idiots" buying up the toilet paper, but panic clouds the clear thinking of even the "intelligent". It can absolutely effect our leaders and medical professionals.
Quinine is amazing stuff and quite easy to make, but the poison is in the dosage. Controlling that when you're making your own with cinchona bark isn't something you want to do trial and error style, serious side effects.
Microsoft has turned Google's own weapon against them, crazy. Once they bundle it with W10, it's really going to take off. It's smart they changed the logo too.
Never had Allstate, but I had a similar experience with Amica. My auto premium increased every year despite no changes to my driving record. I called and the rep explained my policy was going up because of an accident from over 3 years ago.
I immediately dropped them, switched to another company and got a much lower rate. Added bonus, my premium drops every year or so.