Travelers has also introduced pricing strategies to encourage environmentally responsible behavior. This includes providing discounts on car insurance for drivers of hybrid-electric automobiles and enhanced coverage for owners of “green” commercial buildings. These products are designed to respond to the evolving needs of customers and also recognize the potential “halo effect” in which adopters of climate-change mitigation technologies are viewed as low-risk customers. While there is not yet enough data for clear actuarial support, Travelers’ internal market data indicates that there is a correlation between risk-averse and environmentally responsible behaviors. Thus, those who purchase a hybrid-electric car are also likely to be safer drivers. Similarly, owners or builders of energy-efficient or “green” buildings may be more likely to detect and remedy risk-related issues, such as the overall integrity of the building or the safety and maintenance of equipment and systems. Green buildings are also typically newer and less prone to the risks presented by older buildings.