How to Underwrite a Property Casualty Claim

State farm has got a wonderful body of information I mean they they their actuarial judgments should be better than anybody else. Because they've got more experience with more cars and drivers but our experience with with close to five million policy holders enables us I think to underwrite quite intelligently. Every day you know we're looking for some variable that will tell us more people with a good credit history are better than drivers by a significant margin to be with a lousy credit history. Why we don't care too much why because it wouldn't help it.