Overall auto insurance rates, for the complete coverage you probably have, have leveled off or actually gone down the last few years. Rates continue to increase for PIP, the insurance covering injuries to a driver and passengers in his or her car, required for all motorists by state law.

The auto insurance market is extremely competitive, and we're constantly reviewing our rates to remain a top player in the state. While Dimensions is already a huge success, we're thrilled to be offering it at even lower prices. This will certainly give our 117 personal lines agents in Indiana one more reason to quote The Hartford.

The state is probably on the verge of facing regular dilemmas like this.

It took hundreds of years for these woods to grow, and they leveled it in a week. It's gone. After they build new houses here, they'll have to widen the roads and put up gas stations, and pretty soon the whole area will just be a big strip. Eventually there won't be a nice spot left anywhere. I wonder if you can refuse to inherit the world.

I'm going to miss him when he's gone. Actually, I told him that in a sentimental moment. I probably shouldn't have done that. He'll think I'm getting soft on him.

If that siren hadn't gone off, I'd probably still be up there.