Key Components of Indication Overall Change 0.0% Indemnity Loss -1.8% Medical Loss +45.5% LAE +10.8% Expenses +0.4% SB 1 -19.1% SB 238 -0.4% HB 175 -5.4% HB 373 -26.9% Adjudication -3.2% Source: DE Rate Filing 2016