Progressive Direct - Is Geico Suddenly Losing to Progressive Direct?

Geico really got whooped by progressive direct over the last year 2015 progressive direct auto business group policy count by 9.1 percent Geico only 5.4 and in terms of profitability the combined ratio at progressive was a 95.1 and Geico's was a 98.0 is this evidence that that it progresses investments in technology like snapshot investments that Geico has spurned? We'll talk to an insurance man about it cliff gallon thank you.