Clev -
Same thing happened to me. I got a 74% when I based it on my driving since 1984 (I have a few sub-15 MPH accidents under the belt). I retook it where I reinterpreted the meaning of some of the questions in my favor and got 87%.
I would have an "advanced" questionnaire that goes into much more detail.
I agree that age mellows the driver *and* adds a lot of "subconscious skill". I think it's like the number of hours you've logged as a pilot.
CarloSW2
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