at any time since the rise of so-ca...

at any time since the rise of so-called "reality" television shows--particularly those that specialize in the shocking and the bizarre--millions of viewers around the world have been able to sit before their televisions each night for the vicarious thrills provided on daring or disturbing stunts performed by dint of the contestants, while passively wondering to themselves: "who in their right mind would do so a thing?"

For Jon Paulsen--assistant vice president and chief underwriting officer for St Paul Travelers' National Programs division--the abundant more uncomfortable question he sometimes must ask himself