We're actually going to drop our rates for anybody who's got identification from any of those areas.

Since 9/11, as a nation, our preparedness has increased dramatically. We need to ensure that in major metropolitan areas, preparedness is an all-hazards preparedness. So we're going to have a look at these individual plans to ensure they reflect that.

In both of those areas in which residential customers have been allowed to participate, rates have declined 15 to 20 percent.

I always talk about not tightening up, but lightening up in all areas.

If I’d known Ashton wanted my attention at any point I would have pushed Nicole aside and
given her my undivided attention. But most of the time she was wrapped in Sawyer’s arms and I needed
the distraction Nicole provided.

There's a strong possibility that rates will harden in other areas as people move capital to the opportunities they see.