In tоdаy's wоrld mоst drivers cаn go to аn insurance company's website and obtain an auto insurance quote in "15 minutes or less." We learned in class the reason that insurance companies have the confidence to do this is because auto insurance is an ideal example of one of the most critical requirements of both an insurable risk and risk pooling. Which requirement of an insurable risk is best illustrated by auto insurance companies being able to provide insurance quotes with such speed and confidence?