April and May are going to be very critical around here. If we continue to see below-average rainfall, things could get ugly.

San Diego is ranked below average in every category.

Everybody thinks they're above average. Obviously not everybody can be above average. Somebody has to be below average.

That is about average for a recovery. It's above the recovery we saw in the early '90s, but significantly below the recovery we saw in the early '80s. So it's a very sort of plausible forecast.

Only the Supreme Being_Allah is Perfect!
For humans intention of being a perfectionist can cause sudden downfall and disgrace even below average.

That's true if the company, the plan, has a premium that's at or below the average. If it's above the average then they are obligated to pay the difference.