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Reason Magazine: HOT Congestion Insurance

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"Today, you can forget it if you need to get somewhere quickly during rush hour. Which is why toll lanes provide a valuable service.

"Toll lanes offer "congestion insurance." They ensure you can get somewhere on time when it really matters.

"You won't need it every day, but you're glad it's there when you do. And you only pay when you use the lanes."

Robert Poole & Shirley Ybarra, A Transportation Project that Pays for Itself