%% Exactly, it can get very complicated . Even as good as State Farm is as figuring risk; they simply left FLA property + casualty business years ago\too much storm risk. Insurance contracts are fun to read, even if i dont understand all the lawyer language. 10 or 20 year charts help with risk reward; but Citigroup reverse split it [x10,LOL] so its really $7.10 not $71.00........................................................................................