Now, can you give the lister an idea of how all these factors that we're talking about contribute to the cost of coverage and premiums for the average doctor, and then maybe a little bit about the geographic variability in that?

There are three things we focus on when we make rates.

We pretty much decide what a base rate needs to be for our insured, the average insured.

And we take that base rate and we modify it by your specialty.

We have factors.

What factor do we apply for the base rate for an OBGYN, for example? So they're going to pay a multiple of the base rate to account for their specialty.

Then we're going to look at your geographic location.

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