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Since 2012, we have successfully implemented sequential rate increases in the mid to high single digit ranges relatively greater than ISO and do expect to realize the benefit of this activity over time. As I noted earlier, we also expect incremental lift in terms of rate to risk relativity to come from the use of our predictive analytics initiatives.As shown on Slide 8, our total in force premium has grown to more than $268 million at the end of the fourth quarter. Seasonality will have an impact in terms of written premium and our unearned premium reserve in any given quarter.

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