They have developed an insurance expertise through trade association groups and are utilizing safety and loss prevention techniques. They are very conscious of the things that cause losses. As a result, the loss experience has been good. Things are good right now.
Workers have safer and better equipment.
Law enforcement training has focused on ways to avoid potential liabilities with such things as hot pursuit training and so on. They had to become experts. Many turned to the alternative market where their loss experience had an immediate impact. Now the insurance industry wants some of that premium back. And they're having some success in that regard.