But it's, it's still, I think all three of those. In fact, we did the legal reform that's helped. Now you see the insurance. USAA just announced a billion dollar reduction for Florida policy members. Progressive has issued rebates. People are like, oh my gosh, I got 400 or 600 bucks or whatever back. When has that ever happened? The reason why that's happening is because the market has changed, because we did the litigation reform. (07:52–07:55)
CLAIM
Asserts that Progressive has issued rebates to policyholders.
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