Exactly right. As the father of a 21 year old son, I've noted published accounts of this subject. No kidding, twice in the last month I've seen articles from researchers who say this irrational risk-taking is physiological. Risk assessment is a complex logic function and comes from the portion of the brain that is the last to mature. It's not until the late 20's that the brain is able to make a rational choice when it comes to excitement vs. self preservation. Guess that's why most of us look back on our teens and early twenties and wonder how we survived.