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That's an interesting question. Of course, not everyone has a passport, but that's a nit: people applying for car insurance typically do have a driving licence with a photo. What would an AI make of a huge database of photos and insurance claims? I'd love it if someone would try the experiment! I doubt the AI would invent the concept of "race" (whatever that means), but it might decide that people with tattoos or piercings should pay more, for example.

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