Robert Menendez actually said...

"If you do not track this information, I do not know how exactly you know there is a problem until it gets so big that you realize there is a problem."

"So, to me, in terms of incentives, this structure clearly seems to influence the Write-Your-Owns to be more conservative when adjusting for claims, which leads to policyholders being low-balled."

"I mean, I think that there is a high successful appeal rate is a red flag that initial claims adjusting is flawed."

"I hope that that ends up being the case, and I agree with you on what your perspective is as to what the advocate should be."