Had the consumer had a claim during the mix-up, they would be covered after we found out about the error immediately.

We believe there are property owners who come to Citizens because of price.

Those are some significant losses.

These figures confirm our fears that Hurricane Wilma losses could be tremendous.

We believe (the increases) are needed to allow Citizens to continue to pay for future hurricane claims. The last two years have been tremendous loss years.

We have to focus on paying the claims and looking at the sources we have to do that.