In the course of their daily lives people are affected, directly and indirectly, obviously and subtly, by an extensive array of public policies. Take, for example, automobile owners. If an automobile was purchased on time, the Truth in Lending Act required provision of accurate information by the lender on the cost of credit. The vehicle features safety equipment, such as a padded dash and seat belts, required by the National Highway Traffic Safety Administration and a catalytic converter to reduce tailpipe emissions necessitated by Environmental Protection Agency rules. Out on the highway, financed jointly by the state and national governments, our driver needs to be aware of state and local traffic regulations, or risk direct contact with law enforcement officials. State policy requires that the automobile be insured and that both it and the driver be licensed. The price of the gasoline it consumes is indirectly affected by national energy policies and directly increased by national and state excise taxes. The vehicle's gas mileage must meet the national corporate average fuel economy (CAFE) standard.