We do have a very dramatic, unheard-of reduction in the cost of claims. It is unprecedented, ... The industry is continuing to pocket a large share of the cost savings.

But if Dell exploits the cost reduction,

The industry cannot make claims without a reasonable basis.

It's an extremely dramatic reduction, but it's of something that in the first place wasn't very common. So, these stockings reduce a fairly small risk, to something tiny.

There is a way to do it cheaper and better. Find it

The cost of doing that, to have a dramatic impact, will be between $100 and $200 for most small buildings.