"We are trying to create awareness in high schools across the countries," said Westerman, an Allstate representative, "we focus on changing how teens think behind the wheel."

Maria Schneider and Roger Westerman have plenty of equity in their Brooklyn home, and a 17-year record of paying on time.

Westerman found my tweet1 using a keyword search, mere minutes after I had posted it one April afternoon, andfired off his mildly indignant reply.2