A new law that lets banks, insurers, and brokerage houses merge and share your personal data has frightening implications for consumers. Your insurance company can now find out that you use your credit card to buy lots of big boxes of chocolate and bottles of wine. Never mind that these gifts were for business clients. Suddenly, your health and car insurance premiums rise because the company's actuarial computers think you're more likely to drive drunk or have a heart attack from eating all that chocolate.