I would say to the gentleman that it was very interesting when you talked about the cost of the insurance, and while he said overall that he thought the rates were going to go down, my recollection was--and correct me if I'm wrong--that when you were asking him those questions, part of his position was, Well, we don't know for sure, but we think they'll be lower than what they would have been if we hadn't passed the law, but they're going to be higher than what they were when we passed the law. Wasn't that pretty much his reasoning?
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