Tim Kaine actually said...

"my innate sense of fairness makes me add an addendum to the comment that I last made about insurance rates not being purely actuarial in nature."

"If I could also respond to Mr. Mulready on the point about regulators sort of looking at and reshaping agencies is not something that we need to look at."

"One of the things about your testimony that's important is, you know, I'm a senior citizen now."

"I think we often assume that rates charged homeowners by homeowners insurance is based upon some rational algorithm using actuarial data, but that is not always true."