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Regarding insurance rates rising, it's a business tactic employed across corporations.

Kim's company used to do it as well but got burned badly when the economy collapsed in 2008. The idea is that if you raise rates by X%, even if you lose Y% of customers, you still come out ahead in revenue gains, as long as X is greater than Y. Personally, I believe that keeping customers is the end all be all in business. So that tactic has always bugged the daylights out of me.

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