QUOTE : They, the lawmakers, were hoodwinked by the insurance companies who are still funding the national tort reform movement, a political crusade that has been wildly successful. Virtually every state has fallen in line with caps on damages and other laws designed to keep folks away from the courthouse. So far, no one has seen a decline in insurance rates. An investigative report by my pal at the Chronicle revealed that 90 percent of our legislators took campaign money from the insurance industry. And this is considered a democracy.