Tina Smith actually said...

I am encouraged that this Risk Rating 2.0 strategy I think is going to result in a more fair allocation of costs and a better correlation wi...

Right. And you are trying to balance premiums that do a better job of covering the overall cost, and also trying to balance encouraging more...

I will never forget Vicky, the woman who I talked to in Duluth, who said to me, Tina, I do not have a plan B.

I think that we need to understand from a scientific basis, also what happened.