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Ryan Priest

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It was imperative for us ... to be able to follow through on the commitments we make to our customers to have the capital.

We have stated from the beginning when we filed this that. .. it was a rate appropriate for our risk within the state of Florida.

The rate increase is necessary to protect our customers from losses arising from future storm seasons, similar to 2004 and 2005.

It wiped out every cent of capital the Allstate companies had realized since their inception in the state of Florida.

It's a matter in Florida that private companies and the state really can't do it alone when it comes to major catastrophic situations back to back to back. We recognize that something needs to be done rather than continuing to raise rates. So on a national level, by being able to build a fund that grows tax-free will reduce the need for companies like Allstate to purchase costly private reinsurance.

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