Hot Topic

Remember when the term premium was a hot topic? Let me stop myself. The term premium's never a hot topic in any conventional sense of the phrase "hot topic." The vast, vast majority of humanity doesn't know what the term premium is and God willing they'll never be compelled to learn about it. Because it's mind-numbingly obscure. With that out of the way, the term premium was topical, and eminently so, late last year among the relative handful of tortured souls compelled to care about such thin