For the last decade (if not more), the "dumb" person in commercials is always the white person, while the minority is the "didn't you know?" character. Even USAA is pulling this crap now. I left them a long time ago when they started letting every person remotely connected to the military join (used to be officers only -- then enlisted, now relatives). Their rates went through the roof and I moved on. Don't regret it for a second.
