Dmutulazation is for economica

GrowthLess ROE and we can go with a 6% auto declineIf ROE we can reduce 3% - they will look at getting to 6% reduction – segment – looking at CORSimplified 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