6. Dmutulazation is for economica

7. Growth
Less ROE and we can go with a 6% auto decline
If ROE we can reduce 3% - they will look at getting to 6% reduction – segment – looking at COR
Simplified filing for the 6% - ask for exception to get it in earlier – otherwise its October (6 month from
last)
Just Ontario auto
If ROE is going to be less will even look at 8%
Working on on-line quoting for coop to make it easier
Underwriting rules will be changed to help (won’t filter on postal code) – new Canadian